Food truck financing
Get $5,000 to $10 million to buy your truck, cover permits and commissary costs or fund your next location, funded in as little as 24 hours.
- No collateral required
- Same-day decisions
- No hard credit pull
Simple, fast and clear.
- $5K–$10M
- Funding amounts
- 500+
- Minimum credit score
- Same day
- Decisions
- 24hours
- Fastest funding
Food truck financing options at a glance.
The right option depends on what the money is for: the truck itself, the kitchen inside it, or the weeks between big events. Here’s what each kind of financing is best for.
Small Business Term Loans
- Best for
- A kitchen fit-out, a commissary move or the launch costs of a second truck
- Repayment term
- 6 to 48 months
- Min. credit score
- 500+
Business Line of Credit
- Best for
- Food stock, commissary rent and event supplies, drawn only when you need them
- Repayment term
- Revolving: repay and draw again
- Min. credit score
- 500+
Equipment Financing
- Best for
- The truck itself, plus fryers, flat-tops, refrigeration and a quieter generator
- Repayment term
- 2 to 5 years
- Min. credit score
- 500+
Working Capital
- Best for
- One lump sum to cover the off-season or book the summer’s biggest events
- Repayment term
- 3 to 24 months
- Min. credit score
- 500+
Invoice Financing
- Best for
- Cash from catering and corporate event invoices before the client pays them
- Repayment term
- Per invoice, when your client pays
- Min. credit score
- 500+
How food truck financing works.
A food truck earns money one order at a time and pays large costs up front: the truck, the kitchen, the permits and a season of event fees paid in advance. Financing spreads those costs into payments you make from your sales.
You apply online in minutes. Our team reviews your application and brings you the options that fit: equipment financing for the truck, a line of credit for running costs or working capital for the season ahead. We look at your revenue, deposits and time in business, not just your credit score.
Read more
The truck as collateral. With equipment financing, the truck and its kitchen secure what you borrow, up to 90% of their value. You’ll need the seller’s quote or bill of sale.
Seasonal sales. We read your bank statements, so your busy season shows alongside the quiet one.
What it costs. Compare offers by what you’ll receive, each payment and how often it’s taken, and the total you’ll repay, in dollars.
See how we stack up.
| Traditional Bank | Typical Online Lender | ||
|---|---|---|---|
| Decision speed | Same-day | 2-8 weeks | 1-3 days |
| Credit check | Soft pull only | Hard inquiry | Often a hard pull |
| Min. credit score | 500+ | 680+ | Varies |
| How they decide | Revenue + 50 factors, human review | Tax returns, financials | Algorithm only |
| Who you work with | One dedicated advisor | Loan committee | Call center or portal |
| Collateral | None required | Often required | Sometimes |
| Funding range | $5K-$10M | $50K+ minimum | Varies |
| Apply NowApplying won’t affect your credit score. |
Food truck financing for every situation.
Food truck owners use different kinds of financing, from the first build to a second truck.
Building out the truck
A new truck, a rebuilt used truck or a new kitchen for a bigger menu costs a lot up front. Equipment financing spreads the cost over the years you use the truck.
Booking the big events
The best festivals and fairs take their booth fees months ahead. Working capital pays those fees, and you repay it from the sales at those events.
The off-season. A line of credit keeps your crew paid and your commissary spot held through the quiet months, so you’re ready to open in the spring.
What food truck owners use financing for.
The truck itself
A new truck, a used one with a fresh kitchen, or a full rebuild of the one you run now.
Kitchen equipment and power
Fryers, flat-tops, refrigeration, a fire-suppression system and a quieter generator.
Permits and commissary
Health permits, inspections, city licenses and the commissary kitchen you prep in.
Event and festival fees
Booth fees for the season’s best events, due months before the first sale.
Food stock and supplies
Bulk buys at a better price ahead of a big weekend or a busy season.
Your next location
A second truck, a catering arm or a brick-and-mortar kitchen of your own.
All you need to qualify.
We look at more than your credit score, including your revenue history, deposit consistency and time in business. A food truck with strong cash flow may qualify even with imperfect credit.
- No collateral
- No hard credit pull
- No upfront fees
- 500+
- Minimum credit score
- 6+months
- In business
- $150K+
- Yearly revenue
- 4months
- Of bank statements
Three steps to your funding.
- 1
Apply online
Fill in our short application in a few minutes. A few basics about your business and what you need, with no stack of paperwork to get started.
- 2
Get your options
Our team reviews your application and brings you the options that fit your business. We look at revenue, deposits and time in business, not only your credit score.
- 3
Receive your funds
Once you’re approved and the documents are signed, the funds can be in your business bank account in as little as 24 hours.
Frequently asked questions.
Is Noya Funding a lender?
Noya Funding is a business funding broker. We work with a wide network of lenders: our team reviews your application, matches you with the options that fit your business and stays with you through funding.
Does applying affect my credit score?
No. There’s no hard credit pull to apply, so applying won’t affect your credit score.
Can I finance the truck itself?
Yes. With equipment financing, the truck and its kitchen are the collateral, and you pay it off over the years the truck works. You’ll need the seller’s quote or bill of sale.
Does a seasonal truck qualify?
Seasonal sales are normal for food trucks. We read your recent deposits, so we see the busy season along with the quiet one.
Can I get paid sooner on catering invoices?
Yes. If you cater for companies or events and bill them afterward, invoice financing advances up to 90% of each invoice once it’s sent. The rest, less a fee, comes when your client pays.
I’m just starting out. Can I apply?
We look for 6+ months in business and $150K+ in yearly revenue. Before that, equipment financing for the truck may be the better fit, since the truck itself is the collateral.
Which states do you work in?
Every state except Texas, Virginia, Connecticut and Missouri, where we can’t take requests yet.
Ready to get funded?
Apply online in minutes. No collateral, no hard credit pull and no obligation.