← State of Embedded Finance 2026

Beach Hut Deli

Can a regional sandwich franchise chain sustain multi-state growth through franchising while keeping technology and embedded finance costs low via a single POS platform dependency on Toast?

Founded1981
HQRoseville, California, United States
FoundersTroy Feist
IndustryVertical SaaS / Restaurants
The story

Founded in 1981 as a single deli near Folsom Lake, Beach Hut Deli franchised in 2002 and has grown to over 40 locations across California, Nevada, Oregon, and Texas. The brand operates as a franchise system under Beach Hut, LLC (Roseville, CA), relying on Toast as its core POS and mobile ordering infrastructure. The embedded finance footprint is minimal and entirely vendor-dependent, with no proprietary financial products.

Last 12 months
Product timeline
1981
Troy Feist opened the first Beach Hut Deli near Folsom Lake in Granite Bay, CA, featuring the signature Surfin' Bird sandwich.· pivot
2002
Beach Hut Deli began franchising, expanding the brand beyond the original location.· pivot
2019
Launched a mobile app powered by Toast for mobile ordering.· banking
The stack
Payments / PSP
Toast
Accounting gap: significant