Can I get funding to buy my first food truck?
A brand-new food truck purchase before you have any revenue is difficult to finance through conventional programs. Equipment financing is the best path for truck acquisition — the truck itself serves as collateral. With 10–20% down and a good personal credit score (620+), equipment financing for a food truck is accessible even for first-time operators with no business history.
Can an established food truck get working capital for event season?
Yes. Food trucks with 6+ months of consistent deposits and $10,000+ monthly average revenue qualify for MCA and working capital loans to fund event fees, inventory, staffing, and marketing ahead of peak season. Same-day funding is available for qualified operators.
Do commissary kitchen fees qualify as a fundable expense?
Yes. Commissary kitchen rental is a legitimate operating expense for food truck businesses. Working capital can cover commissary deposits, monthly rental fees, and build-up of supplies stored at the commissary.
What about food trucks with very seasonal revenue?
Seasonal revenue is not a disqualifier — it's an expected feature of the food truck model. We evaluate your average monthly deposits across 3–6 months. Strong seasonal revenue in peak months, even with slower winter months, can qualify you for substantial working capital to prepare for your next peak season.
Can I finance a second food truck?
Yes. Equipment financing allows you to acquire a second truck or trailer using the new vehicle as collateral. Most equipment financing programs require 10–20% down and can close in 2–7 business days with a vehicle quote from the dealer or seller.
What if my truck is parked during slow months and revenue drops?
Variable revenue is expected in the food truck industry. For MCA programs, your daily repayment automatically scales down when your deposits are lower — providing natural flexibility without requiring manual renegotiation.
How does the application process work for a food truck?
Submit your application online in 3 minutes. Provide 3 months of business bank statements. For equipment financing, include a vehicle or equipment quote. A funding specialist contacts you within 1 business hour with available options.
Can I get funding if my food truck operates at multiple locations or events?
Yes. Multi-location and event-based food truck operations qualify based on total deposited revenue across all revenue sources. There is no restriction on your business model — traveling events, fixed spots, private catering, or a combination all qualify.
What's the minimum revenue to qualify for food truck funding?
Most working capital programs require $10,000+ in average monthly deposits. Equipment financing requirements are based on the purchase price, down payment, and credit profile rather than revenue minimums.
Can I use funding to franchise a food truck concept?
Yes. Franchise fees, build-out for a licensed food truck franchise, and initial working capital for franchised operations are all eligible uses of funding.