Merchant Fund Express
(305) 384-8391Apply

Emergency Funding for Food Trucks

Breakdowns do not wait for a slow week. Get the repair moving with funding from $25,000, a 5-minute application and a soft credit pull.

Get Back Rolling

Food Truck Emergency Funding

Fix the problem and get back to your regular spots

Every day off the road is lost sales. We help food truck owners cover urgent repairs, replacements and restocking so service can resume.

As fast as
24 hours

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.

Help that moves at breakdown speed

Short application, fast decision

About 5 minutes to apply and three months of statements. Funding in as little as 24 hours for qualified businesses.

Rough credit considered

FICO 500+ is considered. A recent bad stretch does not have to keep the truck parked.

Total cost shown before you accept

Your offer lists the full repayment amount up front, with no surprise costs after you sign.

A schedule you can see

Repayment is laid out in the offer before you commit, so you can plan around your service calendar.

Ready to see your numbers?

Fast decisions. Applying takes about 5 minutes.

Apply Now

How it works

Apply in minutes

A short application. A soft credit pull to start.

Fast decision

We review revenue, time in business and bank activity, not just a credit score.

Review your offer

You see the amount, the schedule and the full repayment amount before you sign.

Get funded

Funding in as little as 24 hours for qualified businesses.

A parked truck earns nothing

Most food trucks run on a single kitchen and a single engine. When the transmission goes, the generator quits, or the walk-in at the commissary fails overnight, you are not just paying for a repair. You are losing every service day the truck sits. We offer emergency funding for food trucks so you can get the fix scheduled and get back to your regular spots, instead of waiting for the next good weekend to cover the bill.

Common emergencies we see

Each of these has the same shape: an unplanned cost, a lost stream of sales, and a clock running.

How the review works when time is short

Speed starts with a short application, about 5 minutes, and a soft credit pull. You send about three months of business bank statements. There are no tax returns required, and FICO 500+ is considered, so a rough patch on your credit report does not end the conversation. Sole proprietors can apply. For qualified businesses, funding can land in as little as 24 hours.

Funders look most at your deposit history and what you already owe. A truck with consistent daily card and cash deposits shows that sales will come back once the problem is fixed.

Pick the tool that matches the problem

A single large repair or replacement is a natural fit for working capital. If you are replacing a whole cooking line or a generator, look at equipment financing for food trucks. If your credit took a hit, our page on bad credit options for food trucks explains how funders weigh that.

After the emergency

Once the truck is rolling, it pays to set aside a small repair reserve from each strong week. Our food truck cash flow guide has practical ideas for building that cushion so the next breakdown hurts less.

Frequently Asked Questions

Can I apply while my truck is still in the shop?

Yes. The review looks at your recent bank deposits, so a few days off the road while you apply is expected.

What if my insurance claim is pending?

You can still apply. Some owners use funding to start repairs and keep selling while the claim works its way through.

Do you need repair quotes?

They are not required to apply, but having a quote helps you request the right amount.

Is there a credit score cutoff?

FICO 500+ is considered. Your deposits and existing obligations matter a great deal in the decision.

Can I keep working events while I repay?

Yes. The point is to get you back to work. Your repayment schedule is in the offer, so you can plan it around your event calendar.

What is the smallest amount available?

Funding starts at $25,000. Many owners include lost service days and restocking, not only the repair bill.

Engine repair $14,000.00
New generator $9,500.00
Lost inventory $4,800.00
Fridge swap $7,200.00

Example uses for illustration only.

How to improve your chances

These steps can make an urgent request smoother.

  • Get a written repair quote from your mechanic
  • Keep all truck sales in one business account
  • List the service days you expect to miss
  • Note any other financing you are currently paying

Emergency funding: us vs. a typical bank

Merchant Fund Express
Traditional bank loans
Speed
As little as 24 hours if qualified
Weeks of underwriting
Paperwork
About 3 months of statements
Tax returns and financials
Credit check to start
Soft pull
Hard inquiry is common
Credit range
FICO 500+ considered
Often strong credit only
Sole proprietors
Can apply
Often limited options

Get your truck back on the street

One secure application. A soft credit pull to start. No obligation to accept an offer.

Apply for Funding
Apply NowCall