Merchant Fund Express
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Payroll Funding for Food Trucks

Pay your crew on time through rainouts, cancelled events and late catering checks. Funding in as little as 24 hours for qualified businesses.

Cover Payroll

Food Truck Payroll Funding

Keep your crew paid when the calendar goes sideways

Food truck sales rise and fall with weather and events. We help operators with steady deposits keep payroll on schedule through the slow stretches.

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.

Why food truck owners use us

Fast with little paperwork

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

Credit flexibility

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

No surprises

Your offer shows the full repayment amount before you accept. No surprise costs after you sign.

Payments you can plan

The repayment schedule is laid out in the offer up front so you can plan around your event calendar.

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.

Payday shows up whether the weather cooperated or not

Food truck revenue swings with weather, event calendars and foot traffic. A rained-out festival weekend, a brewery that cancels your slot, or a corporate catering client who pays thirty days late can all land right before payday. Your line cook and window staff still need to be paid, and good help is hard to replace if checks run late.

Payroll funding gives established food truck operators a cushion so a short week does not turn into a staffing problem.

When owners reach for payroll funding

Products that fit payroll gaps

For a one-time shortfall, working capital covers a specific number of pay periods. If gaps happen several times a year, a business line of credit lets you draw only when needed. Trucks with heavy card sales sometimes look at a merchant cash advance. Our line of credit vs. merchant cash advance guide compares the two.

What we need to review

Fill out the 5-minute application, which starts with a soft credit pull, and 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. We look at how steady your deposits are and what obligations you already carry. Funding can arrive in as little as 24 hours for qualified businesses.

Keep the bridge short

Payroll funding works best as a bridge across a known gap, not a permanent way to cover wages. Before you apply, look at when your next big events or catering payments land and size the request to get you there. Every offer shows the full repayment amount and schedule up front, so check that the payments fit the weeks after the gap, not just the weeks during it.

Frequently Asked Questions

Can a single-truck operator apply?

Yes. Single-truck operators and sole proprietors can apply as long as the business has steady deposits in a business bank account.

Do I need payroll reports to apply?

No payroll reports are required to start. We review about three months of bank statements and your application.

My sales are mostly cash. Does that matter?

Deposits are what we review, so depositing cash sales regularly into your business account gives a clearer picture of your revenue.

How much can I get for payroll?

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

Will checking my options affect my credit score?

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

Two pay periods $28,000.00
Festival staffing $35,000.00
Second truck crew $48,000.00
Late catering $25,000.00

Example uses for illustration only.

How to improve your chances

A few habits make payroll funding easier to qualify for and manage.

  • Deposit cash sales into the business account
  • Track event and catering receivables
  • Keep payroll on a regular schedule
  • Request only the gap you need to cover

Payroll funding: us vs. a bank

Merchant Fund Express
Traditional bank loans
Application
About 5 minutes
Long forms
Documents
About 3 months of statements
Tax returns and financials
Credit
FICO 500+ considered
Higher scores usually needed
Timing
As little as 24 hours if qualified
Often weeks
Sole proprietors
Can apply
Often harder

Make payday on time, every time

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

Apply for Funding
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