Merchant Fund Express
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Equipment Repair Funding for Food Trucks

Fix the generator, the fryer, the refrigeration or the truck itself and get back to your booked events. Funding in as little as 24 hours for qualified businesses.

Fix My Truck

Food Truck Repairs

Get the kitchen and the wheels working again

A breakdown can cost you a weekend of sales and a spot on next year's event list. We help food truck operators pay for repairs based on their recent deposits.

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.

Repair funding that keeps you rolling

Fast, simple process

Five-minute application and about three months of statements. No tax returns required.

Credit flexibility

FICO 500+ considered. We start with a soft credit pull.

Clear costs

The full repayment amount is shown in your offer before you accept. No surprise costs after you sign.

Predictable repayment

Your schedule is laid out in the offer up front, so you can plan around your event bookings.

Need capital this week?

Fast decisions. Applying takes about 5 minutes.

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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 truck that does not run does not sell

Food truck owners carry two businesses on one chassis: a commercial kitchen and a vehicle. When either one breaks, sales stop. A dead generator, a walk-in reach-in that will not hold temperature, a flat-top with a failed burner or a transmission that quits on the way to a festival can each knock you out of booked events. Lost bookings hurt twice, because organizers remember who did not show.

Repairs operators commonly fund

Repair or replace?

If the repair bill is creeping toward the price of new gear, it may make more sense to replace it. Our equipment financing for food trucks page covers buying new or used equipment. For straightforward repairs, working capital gives you a lump sum to pay the mechanic or technician and get back on the road.

For illustration: one weekend, two breakdowns

For illustration only: an operator has three festival dates booked over two weekends. The generator fails, and the mechanic finds the truck also needs brake work before it can pass inspection. Instead of cancelling, the owner applies for repair funding, sends bank statements, reviews an offer showing the full repayment amount and schedule, and gets both jobs scheduled. Your own amount would depend on your deposits and existing obligations.

How to apply

The application takes about five minutes and starts with a soft credit pull. Send about three months of business bank statements; no tax returns required. FICO scores of 500 and up are considered, and sole proprietors can apply. Funding can arrive in as little as 24 hours for qualified businesses.

Prevent the next breakdown

Many food truck repairs start small. A generator that has not had an oil change in too many hours, a condenser coil caked with grease, or tires that were already worn before a long drive to an out-of-town event. When you fund a repair, it is worth adding the routine service you have been putting off, such as a generator tune-up or a refrigeration cleaning, so the same problem does not cost you another weekend. A simple maintenance log also helps you spot which equipment is close to the end of its life and should be replaced rather than fixed again.

Frequently Asked Questions

Can I use repair funding for the truck and the kitchen equipment?

Yes. Many owners fund vehicle repairs and kitchen equipment repairs together from one offer.

Do I need a repair estimate first?

An estimate helps you choose the right amount, but you can start the application while the mechanic or technician is still diagnosing.

Can I rent a backup generator with the funds?

Yes. Renting replacement equipment so you can keep working is a common use while repairs are underway.

How much repair funding is available?

Funding ranges from $25,000 to $5,000,000, based mainly on your deposits and existing obligations.

Does applying affect my credit?

We start with a soft credit pull, which does not affect your score.

Generator rebuild $25,000.00
Refrigeration fix $27,500.00
Engine repair $33,000.00
Hood and fire system $29,000.00

Example uses for illustration only.

How to improve your chances

These steps help repair funding come together quickly.

  • Get written estimates for each repair
  • Keep a maintenance log for the truck
  • Deposit event sales into a business account
  • Note any current advances on your application

Repair funding: us vs. a bank

Merchant Fund Express
Traditional bank loans
Application
About 5 minutes
Long forms and meetings
Documents
About 3 months of statements
Tax returns and financials
Credit
FICO 500+ considered
Strong credit expected
Speed
As little as 24 hours if qualified
Weeks
Small food businesses
Built for steady deposits
Often hard to qualify

Get your food truck back on the road

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

Apply for Funding
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