Capital for mobile food operations. New truck builds, equipment upgrades, expansion to brick-and-mortar. Built for the food truck business model.
Food trucks have lower startup costs than brick-and-mortar restaurants but their own distinct capital needs. A built-out food truck runs $80K-$200K depending on equipment package. Annual permits, commissary fees, festival/event entry fees, and seasonal slow periods all create capital flow challenges. Plus the goal for many successful food truck operators is graduation to a brick-and-mortar location — and that requires expansion capital.
Prime Restaurant Capital funds food truck operators across the US. Funding structures include equipment financing for new truck builds, working capital for permit and commissary costs, and expansion capital for trucks moving to brick-and-mortar. Operating food trucks generating $20K+/month qualify.
A purpose-built food truck typically costs $80K-$200K. This includes the truck itself, kitchen build-out (range, fryer, refrigeration, prep area), generator/power systems, plumbing/water systems, and ventilation. Custom builds for specialty concepts run higher. Equipment financing structures these costs over 36-60 months.
Existing trucks expand revenue capacity by adding equipment: additional fryers for higher throughput, espresso/coffee setup for adding breakfast service, larger refrigeration for catering capabilities, exterior signage and wraps for brand visibility.
Successful food truck operators expand by adding trucks. Each new truck adds capacity to cover more events simultaneously, reach more locations, and double catering capacity. Second-truck financing often combines equipment loan + working capital for operations.
The end-game for many successful food truck operators: convert proven concept into a sit-down restaurant. Capital requirements jump significantly — $250K-$500K for a small brick-and-mortar build versus $100K for a truck. Expansion capital funds this transition.
Frequently Asked
Yes. Adding a second or third truck is one of the most common food truck funding requests. We finance the truck, the build-out, and provide working capital for ramp-up.
We typically don't fund pure startups. You need at least 6 months of operating history. Most first-truck operators self-fund or use specialized startup lenders.
Yes. We average over 12 months when possible to capture full seasonality, and we understand revenue patterns for outdoor/event-driven operations.
Yes — these are operational expenses fundable through working capital.
Multi-truck operators with $50K+/month combined revenue often qualify for $100K-$250K in funding.
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Operating restaurants doing $20K+/month qualify for $25K – $1,000,000. Apply in 5 minutes.
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We are not a generic small-business lender. Prime underwrites restaurants only — and we fund the way you actually operate.
Every concept — full-service, fast-casual, bars, cafés, food trucks, catering, multi-unit. We read restaurant P&Ls, not generic templates.
Decision in as little as 4 hours, money wired in 24–48. Cover payroll, a broken walk-in, or a second-location window — now.
500+ FICO accepted. We underwrite on your bank deposits and sales, so steady revenue qualifies even after a bank says no.
Built only for restaurants. Approved on your deposits, not just your score. Funded in as little as 24 hours.