Merchant Fund Express
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Inventory Funding for Food Trucks

Stock up on food, drinks and packaging for festivals, stadium lots and catering orders without draining your operating account.

Stock Up Now

Food Truck Inventory

Order for the big weekend before the big weekend pays

Peak events mean bigger supplier orders paid up front. We help food truck operators with steady deposits buy what they need ahead of the rush.

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.

Inventory funding for trucks on the move

Quick and light

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

Credit flexibility

FICO 500+ considered, starting with a soft credit pull.

Full cost shown first

Your offer shows the total repayment amount before you accept, with no surprise costs after you sign.

Repayment you can plan

The payment schedule is laid out in the offer up front so you can map it against event payouts.

Cash flow tight this month?

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.

Big event weekends start with big orders

A three-day festival, a stadium lot, or a run of corporate lunches can triple your usual volume. That means ordering proteins, produce, buns, dry goods, drinks and to-go packaging days ahead, often more than you normally keep at the commissary. If your supplier wants payment on delivery and the event pays out after the weekend, you are fronting the cost.

Inventory funding helps food truck operators stock up for peak demand without draining the account that covers payroll and fuel.

What owners stock with inventory funding

Keep the order tied to the sales

Perishables do not wait. The best use of inventory funding is stock you are confident will sell, backed by booked events or a steady location. Over-ordering for a festival that gets rained out leaves you with product and payments. Look at last year's numbers for the same event, and stagger perishable orders where you can. Our food truck cash flow guide has more on planning around the event calendar.

Which product fits

A one-time stock-up for a specific event fits working capital. Trucks that restock heavily every few weeks during peak season often prefer a business line of credit they can draw on as needed. Trucks with consistent card sales sometimes look at revenue-based financing, where repayment follows sales.

Applying is quick

Start with the 5-minute application, which uses a soft credit pull. Send about three months of business bank statements. No tax returns required, and FICO scores of 500 and up are considered. Every offer shows the full repayment amount and payment schedule before you accept, and funding can arrive in as little as 24 hours for qualified businesses.

Frequently Asked Questions

Can I use the funds at a restaurant supply store and a farm stand?

Yes. Funds go to your business account, and you buy from whichever suppliers you use.

Do I need booked events to apply?

No, but booked events help you decide how much inventory to buy. The offer is based mainly on your deposits and existing obligations.

Is $25,000 too much for one truck's inventory?

Our minimum is $25,000. Many owners combine an inventory buy with packaging, staffing or repairs to make the most of it.

Can sole proprietors apply?

Yes. Sole proprietors with steady business deposits can apply.

How quickly can I get funds before an event?

Funding can arrive in as little as 24 hours for qualified businesses, so apply well before your supplier order deadline.

Festival food cost $26,000.00
Packaging bulk buy $25,500.00
Catering order $28,000.00
Beverage stock $25,000.00

Example uses for illustration only.

How to improve your chances

Smart inventory habits make funding work harder for you.

  • Base orders on last year's event sales
  • Stagger perishable deliveries when you can
  • Track food cost per event
  • Keep supplier receipts in one place

Inventory funding: us vs. traditional lenders

Merchant Fund Express
Traditional bank loans
Speed
As little as 24 hours if qualified
Often weeks
Documents
About 3 months of statements
Tax returns and more
Credit
FICO 500+ considered
Higher scores expected
Application
About 5 minutes
Long package
First credit check
Soft pull
Hard pull common

Stock the truck for your next big event

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

Apply for Funding
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