Food Truck Funding, Built for the Way Trucks Actually Make Money

You don't run a normal restaurant, so stop applying like one

A food truck's money doesn't come in steady. It comes in bursts — a sold-out festival Saturday, a slow Tuesday parked outside an office park, three private caterings in one week and then nothing for ten days. Banks look at that and see "inconsistent." We look at the same statements and see a truck that's putting real money through the account.

Most food truck operators get turned down not because the business is weak, but because a bank underwriter wants two years of clean tax returns, a 680 credit score, and collateral you don't have. Meanwhile your generator just died, the commissary raised rent, or a $1,200 vending fee for the biggest event of the season is due Friday and you can't afford to miss it.

We're a restaurant-only funder. Food trucks, brick-and-mortar, ghost kitchens, caterers — that's all we do. We already understand seasonality, cash sales, and the fact that your "location" has four wheels.

How it works — three steps

• 1. Apply online. A few minutes. Tell us about the truck, how long you've been running, and roughly what you deposit each month. This is a soft pull — your credit score is untouched.
• 2. Send statements. Your last 3–6 months of business bank statements. That's what we actually underwrite. No tax returns required for most working-capital amounts.
• 3. Review the offer and get funded. We show you the amount, the cost, and the payment schedule in plain numbers. Sign, and funding can arrive in as little as 24 hours.

Our honest speed rule: if you get your signed agreement and statements back to us before early afternoon Eastern on a weekday, same-day funding is realistic. Finish on a Friday afternoon and you're most likely looking at Monday. We'd rather tell you that up front than promise a miracle.

What food truck operators actually use it for

Real amounts, real reasons. Growth funding runs $25K–$5M; emergency working capital runs $10K–$500K.

• Buy a truck or trailer. A $42,000 used truck with the kitchen already built out, so you skip six months of custom fabrication.
• Repairs that can't wait. $6,800 for a blown transmission — because a truck that can't move earns $0, and that repair pays for itself in one busy weekend.
• Wrap and rebrand. $9,500 for a full vinyl wrap that turns the truck into a rolling billboard at every event.
• Equipment. A $14,000 replacement flat-top, fryer, and refrigeration package before health inspection.
• Commissary and permits. Deposit, monthly kitchen rent, and city vending permits so you can legally park where the crowds are.
• Event and festival fees. $3,500 in vendor fees for a weekend festival that historically brings you $12,000 in sales.
• A second truck. Doubling capacity so you can staff two events on the same Saturday.

Who qualifies

• Food trucks, trailers, and mobile kitchens operating in the U.S.
• Roughly 4+ months in business with revenue moving through a business bank account.
• FICO 500+ — we weight your deposits far more heavily than your score.
• Consistent monthly deposits (seasonal swings are normal and expected — we get it).

Straight answers

Can I get a food truck loan with bad credit?

Often yes. We approve on your bank deposits, not your credit score, and FICO 500+ is acceptable. Checking your offer is a soft pull that doesn't affect your credit.

Can I use this to buy my first truck?

Funding is easiest once you have a business bank account showing revenue — even a few months. If you're pre-revenue with no deposits yet, we'll have less to work with, but if you've been operating and are upgrading or adding a second truck, that's squarely what we fund.

Do I need collateral?

Not for working capital. Approval is based on cash flow, so your truck and personal assets aren't pledged.

How fast can I actually get the money?

As little as 24 hours. Get your statements in and your agreement signed before early afternoon Eastern on a weekday and same-day funding is realistic. Friday afternoon usually means Monday.

What documents do I need?

The application and your last 3–6 months of business bank statements. That's the core of it — no tax returns for most working-capital amounts.

Will checking hurt my credit score?

No. Checking whether you qualify is a soft pull. A hard inquiry only happens if you accept an offer and move forward.

How much can I get?

$10K–$500K for emergency working capital, and $25K–$5M for growth — the exact amount depends on what your deposits support.

Ready when the next event is

Whether it's a transmission that died mid-season or the festival that could double your year, waiting on a bank isn't an option when the truck needs to roll. Check your offer with a soft pull — it won't touch your credit, and you'll know where you stand in minutes.