Cover commissary rent, insurance, staff and maintenance through the off-season so your truck is ready when events return.
Plan for WinterFood Truck Slow Season
Fixed costs do not take the winter off. We help food truck operators with steady deposits cover the slow stretch and roll into spring prepared.
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.
About five minutes online and three months of statements. No tax returns required.
FICO 500+ considered with a soft credit pull to start.
Your offer lists the full repayment amount before you accept. No surprise costs after you sign.
Repayment terms are laid out in the offer up front so you can plan them against spring sales.
Fast decisions. Applying takes about 5 minutes.
A short application. A soft credit pull to start.
We review revenue, time in business and bank activity, not just a credit score.
You see the amount, the schedule and the full repayment amount before you sign.
Funding in as little as 24 hours for qualified businesses.
In many parts of the country, food truck sales follow the weather and the event calendar. Spring and summer bring festivals, farmers markets, concerts and brewery nights. Then the season winds down, and sales drop while the fixed costs keep coming: commissary rent, insurance, permits, truck payments and the staff you want to keep for next year.
Slow-season funding helps established trucks get through the quiet months without shutting down or losing their best people.
The off-season is also the best time to fix what slowed you down last year. Owners often line up equipment upgrades in winter so the truck is ready for opening weekend. If you are planning a bigger repair, see equipment repair funding for food trucks. For a full look at managing seasonal swings, our food truck cash flow guide walks through planning month by month.
Revenue-based financing ties repayment to sales, which some operators prefer when revenue is uneven. A business line of credit lets you draw month by month through winter. A lump sum of working capital fits a defined list of off-season costs. We lay out each option clearly so you can compare.
Start with the 5-minute application. We begin with a soft credit pull and review about three months of business bank statements. No tax returns required, and FICO scores of 500 and up are considered. If your most recent months are slow, that is expected for a seasonal business; we look at your deposit history and existing obligations to size an offer. Funding can arrive in as little as 24 hours for qualified businesses.
Funders weigh recent deposits, so slow months are part of the picture. Applying before sales fully drop off can give a stronger view of your business.
Many owners apply as the busy season winds down, while deposits still reflect peak activity and before bills start stacking up.
Yes. Permits, insurance, commissary rent and similar fixed costs are common off-season uses.
Funding ranges from $25,000 to $5,000,000, based mainly on deposits and existing obligations.
About three months of business bank statements and the short application. No tax returns required.
Example uses for illustration only.
Getting ahead of the slow season makes funding easier to arrange.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding