Is Toast Capital actually cheaper than Accord for the same restaurant?

For A-paper Toast-native restaurants, yes — Toast at 1.20 on $50K costs $10K; Accord at typical 1.35 on $50K costs $17.5K. The 1.13 – 1.36 Toast range vs 1.30 – 1.49+ Accord range is the gap. But for restaurants Toast declines or doesn't approach (no Toast POS, B/C-paper, sub-6-month Toast history), Accord's product is structurally available where Toast isn't — so the comparison is 'Accord vs no funding' for those restaurants.

Can a Toast-using restaurant also take an Accord MCA on top?

Technically yes but cash-flow-painful. Toast Capital auto-deducts a fixed % of Toast deposits daily; adding Accord MCA means a second daily/weekly debit on the same revenue base. Most restaurants on Toast Capital can't safely add a second-position MCA on top — the combined daily debit breaks cash flow. Wait until Toast Capital is paid off, or refinance both into one larger Accord deal.

What's Accord's typical factor for a $30K/mo restaurant?

Accord underwrites paper-by-paper rather than publishing tiers. A clean A-paper $30K/mo restaurant on Accord typically sees 1.30 – 1.38 factor; B/C-paper (recent NSFs, second position, short TIB) lands 1.40 – 1.49+. The 100% renewal commission and 3+ month TIB floor are Accord's structural differentiators — pricing reflects the willingness to fund deals other funders decline.

Toast Capital vs Accord Business Funding — honest comparison 2026

Both fund small businesses. They solve different problems. Here's the honest side-by-side, then five use-case verdicts so you don't have to guess.

The specs

Toast CapitalAccord Business Funding

Product typeMCAMCA

Amount range$5K – $300K$5K – $150K

Cost (factor / APR)Factor 1.13 – 1.36 (single fixed fee, no compounding)Factor varies by paper grade

Speed to fund1 – 3 business days after approvalNext-day for approved files

Min time in business6 months3 months

Min monthly revenueToast POS volume drives offers — typically $10,000+/mo processedFlexible — no published floor

Min credit scoreNo FICO floor — underwrites against Toast POS historyFlexible — accepts B/C-paper

Products

Embedded restaurant working capital (Toast POS only)

MCA (1st / 2nd / 3rd position)

Verdicts by use case

Restaurant on Toast POS with A-paper credit — Winner: Toast Capital. Toast Capital's embedded pre-qualified offer with 1.13 – 1.36 factor and no application beats Accord's broker-distributed MCA on simplicity and headline cost for A-paper restaurants. The Toast dashboard surfaces the offer with no broker and no commission markup.
Restaurant with B/C-paper credit declined by Toast — Winner: Accord Business Funding. Toast's internal underwriting still declines restaurants with NSFs, irregular deposits, or short Toast processing history. Accord specializes in B/C-paper MCA with flexible underwriting down to 3 months TIB — fills the gap for restaurants Toast Capital won't fund.
Restaurant not on Toast POS — Winner: Accord Business Funding. Toast Capital is Toast-customers-only. Restaurants on Square, Clover, Aloha, paper-based ordering, or non-POS reservation-based systems cannot use Toast Capital. Accord underwrites against bank statements regardless of POS.
Newer restaurant (3 – 6 months operating) — Winner: Accord Business Funding. Toast Capital requires 6+ months of Toast processing history. Accord's 3+ months TIB floor is among the lowest in MCA — accessible to restaurants that are still proving the business model and don't yet have Toast history.
Most generous renewal economics for ISO-distributed deals — Winner: Accord Business Funding. Accord pays 100% commission on renewals — unusual in MCA. For ISO-distributed restaurant deals where the ISO is shopping renewal economics, Accord's renewal pay is decisively better than any embedded POS-capital product (which doesn't pay broker commission at all).

The honest takeaway

Toast Capital and Accord Business Funding solve overlapping but distinct problems. The right choice depends on three things you already know about your business: how fast you need the money, how long you've been operating, and whether the capital need is one-time or recurring.

Frequently asked questions

Is Toast Capital actually cheaper than Accord for the same restaurant?: For A-paper Toast-native restaurants, yes — Toast at 1.20 on $50K costs $10K; Accord at typical 1.35 on $50K costs $17.5K. The 1.13 – 1.36 Toast range vs 1.30 – 1.49+ Accord range is the gap. But for restaurants Toast declines or doesn't approach (no Toast POS, B/C-paper, sub-6-month Toast history), Accord's product is structurally available where Toast isn't — so the comparison is 'Accord vs no funding' for those restaurants.
Can a Toast-using restaurant also take an Accord MCA on top?: Technically yes but cash-flow-painful. Toast Capital auto-deducts a fixed % of Toast deposits daily; adding Accord MCA means a second daily/weekly debit on the same revenue base. Most restaurants on Toast Capital can't safely add a second-position MCA on top — the combined daily debit breaks cash flow. Wait until Toast Capital is paid off, or refinance both into one larger Accord deal.
What's Accord's typical factor for a $30K/mo restaurant?: Accord underwrites paper-by-paper rather than publishing tiers. A clean A-paper $30K/mo restaurant on Accord typically sees 1.30 – 1.38 factor; B/C-paper (recent NSFs, second position, short TIB) lands 1.40 – 1.49+. The 100% renewal commission and 3+ month TIB floor are Accord's structural differentiators — pricing reflects the willingness to fund deals other funders decline.