Merchant Fund Express
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Expansion Funding for Food Trucks

Add a second truck, build a commissary kitchen or open a storefront. Funding from $25,000 to $5,000,000 based on the sales you already have.

Grow My Business

Food Truck Expansion

Turn one busy truck into something bigger

If you are turning down bookings, it may be time to grow. We help food truck operators fund expansion from current deposits, not projections.

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.

Expansion funding built for operators

Fast, minimal paperwork

Apply in about five minutes with three months of bank statements. No tax returns required.

Credit flexibility

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

Clear total cost

The full repayment amount is in your offer before you accept, with no surprise costs after you sign.

Predictable schedule

Your repayment schedule is laid out in the offer up front so you can plan your ramp-up.

Cash flow tight this month?

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.

When one truck is not enough

Successful food trucks hit a ceiling. You can only be in one place at a time, the window line has a limit, and you are turning down catering requests because the truck is already booked. That is usually when operators start thinking about a second truck, a trailer for catering, their own commissary kitchen, or a permanent storefront.

Each of those moves costs real money before it pays back. Expansion funding gives established operators the capital to grow based on the sales they already have.

Growth moves we help fund

For the vehicle and kitchen gear itself, see equipment financing for food trucks.

Planning the cash, not just the concept

A second truck needs a second crew, a second set of permits and insurance, and time to build its own following. A storefront brings a lease and a longer ramp. Before expanding, map out the months before the new piece breaks even and make sure your current truck's deposits can carry the payment schedule in your offer through that ramp. If cash swings are already tight, our slow-season funding page explains how operators bridge seasonal dips.

What we review

We size offers from your current business. That means about three months of business bank statements and a look at any existing obligations. No tax returns required, FICO scores of 500 and up are considered, and sole proprietors can apply. The 5-minute application starts with a soft credit pull. Funding ranges from $25,000 to $5,000,000, and can arrive in as little as 24 hours for qualified businesses.

Picking a structure

A defined project with a known price, like buying and building out a second truck, fits working capital or equipment financing. A phased plan, like opening a commissary and then adding catering, may fit a business line of credit you draw on as each step begins. Every offer shows the full repayment amount and schedule before you accept.

Frequently Asked Questions

Can I use expansion funding to buy a second food truck?

Yes. A second truck or trailer, plus its build-out, is one of the most common expansion uses.

Do you fund food trucks opening a restaurant?

Established trucks with steady deposits can use expansion funding toward a storefront or food hall location.

Do I need a business plan or projections?

No formal plan is required. We look mainly at your recent deposits and current obligations.

Can I fund buying my partner's share?

Yes. Funding to buy a business partner's share is an allowed use.

How much can I get to expand?

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

Second truck $95,000.00
Commissary kitchen $80,000.00
Catering trailer $45,000.00
Food hall stall $60,000.00

Example uses for illustration only.

How to improve your chances

These steps put an expansion request on solid footing.

  • Track bookings you had to turn down
  • Price the full build-out before applying
  • Test the payment against your slowest month
  • Keep each truck's sales clearly recorded

Expansion funding: us vs. a bank

Merchant Fund Express
Traditional bank loans
Approval basis
Current deposits
Collateral and projections
Documents
About 3 months of statements
Tax returns and business plan
Credit
FICO 500+ considered
Strong credit expected
Speed
As little as 24 hours if qualified
Weeks to months
Sole proprietors
Can apply
Often harder

Build the next stage of your food business

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

Apply for Funding
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