A food truck is a restaurant on wheels — with a big up-front cost before you serve your first customer. Food truck financing covers the truck, the build-out and the working capital to launch and grow, so you can get rolling without emptying your savings.
What food truck owners fund
- The truck — buy or build your mobile kitchen.
- Kitchen equipment — grills, fryers, refrigeration and generators.
- Inventory & supplies — food, packaging and consumables.
- Permits & commissary — licensing and prep-kitchen costs.
- Marketing & events — build a following and book gigs.
The truck is often the collateral. That means equipment financing is more flexible on credit, with low or no down payment — one of the most accessible ways to get on the road.
Funding options
Equipment financing for the truck and kitchen build-out. Working capital for inventory, permits and marketing — no minimum credit score on many programs.
Typical guidelines
| Requirement | Typical minimum |
|---|---|
| Time in business | Startup-friendly (equipment: no minimum) |
| Monthly revenue | $10,000+ (for revenue-based options) |
| Credit score | No minimum on many programs |
| Documents | Application + equipment quote / bank statements |
Frequently asked questions
How do I finance a food truck?
Equipment financing for the truck and kitchen (often low/no down, secured by the truck), plus working capital for inventory and permits.
Can I finance one with bad credit?
Often yes — the truck secures the loan, so equipment financing is more flexible on credit.
Can a startup food truck qualify?
Yes — equipment financing is startup-friendly; revenue-based options open up once you're selling.