Buy, repair, or wrap a truck. Cover a commissary, equipment, event fees, or a second rig. Approved on your bank deposits — not your credit score. Soft pull to check, FICO 500+ OK, no collateral for working capital.
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.
We read your last 3–6 months of business bank statements. Consistent revenue matters more than your credit score. FICO 500+ is fine.
Seeing if you qualify does not touch your credit score. No hard inquiry unless you move forward and accept an offer.
You're not putting your truck or your house on the line for working capital. Approval is based on cash flow.
When the timing lines up, money can hit your account the same day you sign — fast enough to save a booking.
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.
Real amounts, real reasons. Growth funding runs $25K–$5M; emergency working capital runs $10K–$500K.
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.
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.
Not for working capital. Approval is based on cash flow, so your truck and personal assets aren't pledged.
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.
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.
No. Checking whether you qualify is a soft pull. A hard inquiry only happens if you accept an offer and move forward.
$10K–$500K for emergency working capital, and $25K–$5M for growth — the exact amount depends on what your deposits support.
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.
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Operating restaurants doing $20K+/month qualify for $25K – $1,000,000. Apply in 5 minutes.
Start Your ApplicationApproved on your revenue, not just your credit. Start your 1-minute application.
Apply NowWe 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.
Before you go
$25K–$5M · funded in 24 hours · 500+ credit OK. A soft credit pull that will not affect your score.
START MY 1-MINUTE APPLICATIONNo obligation · takes about a minute