Weather, events and breakdowns swing your deposits. Plan for the slow days and fund the gaps when the numbers make sense.
Check My TruckFood Truck Cash Flow
From $25,000 for established food trucks with steady deposits. Soft credit pull to start, FICO 500+ considered, no tax returns required.
Amount to request
$85,000.00
Funding range$25K to $5M
*Sample amounts shown. Your actual offer depends on your business and is reviewed before approval.
About 5 minutes to apply and about three months of bank statements. Qualified trucks can be funded in as little as 24 hours.
FICO 500+ is considered. A soft credit pull starts the process, and your deposits do much of the talking.
Your offer shows the full repayment amount up front, with no surprise costs after you sign.
Repayment terms are laid out in the offer before you commit, so you can plan around events.
Fast decisions. Applying takes about 5 minutes.
A short application. A soft credit pull to start.
We review revenue, time in business and bank activity, not just a credit score.
You see the amount, the schedule and the full repayment amount before you sign.
Funding in as little as 24 hours for qualified businesses.
Food truck revenue swings with things you cannot control: rain, a cancelled festival, a city permit delay, a slow week at the office park. Costs keep coming anyway. Commissary rent, insurance, propane, ingredients and the truck payment do not care that Saturday got washed out.
The result is a deposit history that looks like a heart monitor. Good weeks are very good. Bad weeks can wipe out the buffer. Managing food trucks cash flow is mostly about smoothing those peaks and valleys.
Pull your last few months of bank statements and mark three things: event days, regular route days and days the truck was down. Most owners discover that a handful of catering gigs or festivals carry the month. That tells you where to protect your time and where a breakdown hurts most.
If your area has a real off-season, our food truck slow season funding page walks through how owners plan for it.
For illustration: a truck works a weekday lunch route Monday through Thursday, a brewery Friday night and a festival Saturday. If the festival is cancelled, the week can lose its best day while commissary rent, the truck payment and ingredient orders stay the same. Owners who plan for one lost event per month are rarely caught short. Owners who assume every booking happens are often the ones scrambling for cash.
Merchant Fund Express works with established trucks that show steady deposits. A merchant cash advance for food trucks ties repayment to card sales, which some owners like when revenue moves with the weather. Equipment financing can cover a new generator, fryer or a second truck. Funding runs from $25,000 to $5,000,000.
We consider FICO 500+, start with a soft credit pull, and ask for about three months of business bank statements. No tax returns. Apply in about 5 minutes.
Yes. We look at your deposits over about three months and try to understand the seasonal pattern. Seasonality is normal for trucks. What matters is that the business shows steady activity over time.
It can, because repayment is tied to card sales. Whether it fits depends on your margins and how much of your revenue runs through cards. Compare it with working capital before choosing.
Equipment financing can help with a second truck or major equipment. The amount depends mainly on your deposits and what you already owe.
The full repayment amount and the repayment schedule, both up front before you accept. Nothing is added after you sign.
No. Sole proprietors can apply.
Example uses for illustration only.
These steps make a food truck steadier and easier to evaluate.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding