Ready To Move Your Business Forward?
Types of Food Truck Business Loans
Small Business Loans
Get the cash you need for everyday food truck costs, materials, payroll and more.
$5,000 to $500,000
Equipment Financing
and Leasing
Purchase or lease vehicles for your food truck business.
Up to $150,000
How Food Truck Business Financing Can Help You
It’s easy to see why food trucks are a popular business. Compared to other methods, food trucks offer a relatively low-cost option to break into the restaurant industry. When your business is on wheels, however, you encounter many issues that other food service companies do not. Food truck business loans can help you pay for sudden costs or expansion opportunities as they arise.
Maintain Your Restaurant
- Keep the truck aspect of your business in top shape so you don’t experience a breakdown
- Invest in equipment to maintain a safe and sanitary food service area, even on the go
Cover Unexpected Expenses
- Pay for unexpected repair bills for your truck or the kitchen equipment inside
- Food truck business financing gives you access to capital for increased costs of ingredients so you can continue to offer a high-quality menu
Expand Your Food Truck Business
- Purchase a second truck to cover a larger service area
- Use loan funds to reserve space at major events or popular locations so your food truck is in front of a large audience
Administrative Duties
- Working capital loans can help you set up an office space to run the administrative part of your food truck business
- Invest in payroll or ordering software to streamline business procedures
How to Apply
How do small business loans for food trucks work? Applying for food truck financing has never been easer.
"Not only was the service fast and efficient, I was able to receive my funds within the same day
of my application. National Funding is definitely the way to go. I look forward to doing more business with this company! They also have easy pay off options, if you are reading this... these are the guys you want on your team”
– Cook’s Kitch’n
Why National Funding?
Owning a restaurant on wheels makes serving a large number of customers easier than ever. However, the uncertainties of running a food truck can cause traditional lenders to reject loan applications. The loan specialists at National Funding understand how frustrating a loan rejection can be to a business owner. We’ll work with you to create food truck business financing options tailored to your needs.
We Know Food Truck Businesses
Experience supporting food truck business ownersTrusted by Businesses Like Yours
Over $3 billion in funding to more than 50,000 businesses nationwidePersonalized Experience
Lending solutions and payment options tailored to your specific needsFast & Easy Application Process
No-cost, no-obligation application with funding in as few as 24 hours1Loan Specialists Who Care
Experienced Loan Specialists help you make the right decisionWorry-Free Lending
No collateral requirements, plus simple, automatic paymentsFood Truck Business Resources
When you’re on the go making delicious meals and serving customers from your food truck business it can be difficult to learn more about the financial side of running your business. Whether you want to expand, are looking for food truck business loans or need tax tips, we have resources that can help you make sound financial decisions for your food truck.

Statistics Every Restaurant Owner Needs to Know
Even though your restaurant is mobile, food truck businesses are an important part of the large American restaurant industry. Check out these insightful statistics about restaurant finances and learn how you can avoid the stress of unexpected expenses.

Keep Customers Coming Back with Expansion
Using equipment financing to expand your food truck business can help you reach new customers while also retaining existing customers. Use these tips to see how upgrading parts of your business can lead to more growth from repeat customers.

Upgrade Food Truck Equipment to Stay Competitive
Food trucks are becoming a more popular business option for entrepreneurs. As more and more competitors enter the industry, you have to create ways to stand out from the crowd. This post offers ideas to upgrade your food truck equipment to set yourself apart from other food trucks in your area.
Ratings & Reviews
We are very proud of what our customers are saying on TrustPilot.
Disclosures
Legal Disclosures
True to our mission, we encourage you to read the following policies and learn how they affect you as a client.
(1) 24 hours:
Fast approvals and 24 hour funding subject to receipt of required documentation, underwriting guidelines, and processing time by your bank. Funds are deposited into your business checking account as soon as the next business day after approval and acceptance of terms.
(2) Early payoff discounts:
National Funding offers special opportunities for its customers to terminate contracts early and receive a discount in the process. Equipment Finance customers who pay off the total remaining balance early, at any point during the contract, will automatically receive a 6% discount off the total remaining balance. Working Capital customers who pay off the total remaining balance in full within the first 100 days of the contract will automatically receive a 7% discount off the total remaining balance. We do not currently offer a discount on our lease contracts. Customers must pay off the balance in full, be current, and in good standing to take advantage of the discount within the time parameters.
(3) Automatic payments:
Loan payments are withdrawn via Automatic Clearing House (ACH) Monday through Friday excluding bank holidays.
(4) Wide variety of payment options:
- Equipment Financing: payments are remitted monthly with terms of 2-5 years
- Working Capital Loan: payments can be remitted daily or weekly with terms of 4 months up to 24 months
(5) Potential Tax Savings:
The Section 179 Tax Deduction allows businesses to deduct the full purchase price of qualifying equipment and/or software purchased or financed during the tax year. Meaning, if you buy (or lease) a piece of qualifying equipment, you can deduct 100% of the purchase price from your gross income. You can secure the equipment, tools, and technology you need, while also taking advantage of significant tax deductions - up to $1,000,000. Consult your tax professional for more details.
(6) Guaranteed lowest payment:
Pursuant to the terms and conditions specified in these Rules and Restrictions of the Guaranteed Lowest Payment, National Funding guarantees to provide the lowest payment on equipment leased through National Funding, for lease terms from 24 to 60 months, or to pay $1000 towards qualifying executed leases. Lease payment comparisons must be based on a lease in excess of $10,000, for approved equipment, and with the same terms and conditions as those offered by National Funding within seven days that the National Funding terms are issued. To be eligible, customers must provide a competitive lease quote without contingencies, and vendor invoice, and in the name of the lessee within seven calendar days of the date National Funding issues its terms. Guarantee only valid on competitive equipment leases. Equipment finance agreements do not qualify.
In the event that the monthly lease payment amount from the competing lease company or bank is lower than the monthly payment that is being offered by National Funding for the same equipment and pursuant to the same terms, National Funding will verify the validity and accuracy of the competing leasing company’s or bank’s payment options, terms and the vendor quote. National Funding has the option, in its sole discretion, to either beat the competing leasing company’s or bank’s monthly payment rate, or pay $1000 to the lessee. The lessee must provide National Funding with the competing company’s or bank’s signed lease agreement with payment terms/options, and take delivery of the equipment. Payments will be made within 30 days, and lessee is responsible for any taxes.
The Guaranteed Lowest Payment is available to both new and established customers of National Funding. This offer is valid for new lease applications only. The Guaranteed Lowest Payment is not retroactive — a previously funded equipment lease with National Funding is not eligible for the Guaranteed Lowest Payment. Only non-contingent offers of lease terms and payment are eligible. Offers made to lessee that include subsidization by manufacturers and/or vendors will not be considered in comparing competing offers.
The Guaranteed Lowest Payment may be discontinued at any time without notice.
To participate in the Guaranteed Lowest Payment program, if you have a lease agreement and vendor quote which you believe will qualify for the program, contact your National Funding Lease Manager.
(7) Terms and Conditions apply:
This is not a guaranteed offer of credit. Loans subject to lender approval. Approval amount is based on eligibility determined by information obtained from Dun & Bradstreet. Actual eligibility may vary. Restrictions may apply. Application is subject to approval by the lender and is based on factors such as business type, time in business, annual sales, average bank balances, personal credit and other variables deemed relevant by the lender.