Merchant Fund Express
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Fast Funding for Food Trucks, Not Empty Promises

Searching for same-day funding? Decisions move fast, and funding can arrive in as little as 24 hours for qualified businesses.

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Fast Funding

Get back to service before the next booked event

When gear fails or a permit comes due, waiting weeks isn't an option. A short application and quick review keep you moving.

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.

Speed without cutting corners

Fast decisions, light paperwork

Five-minute application and about three months of statements. Funding in as little as 24 hours if qualified.

Credit flexibility

FICO 500+ considered, and the first check is a soft pull.

Full cost shown first

Your offer shows the total repayment amount before you accept. No surprise costs after signing.

Know the schedule upfront

Your repayment schedule is in the offer, so a rushed decision is still an informed one.

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.

When the problem won't wait

The compressor dies on a Thursday and you have a wedding Saturday. The city moves your spot and you need a new permit this week. Owners searching for same-day funding for food trucks are usually in exactly this spot.

Here is the honest version: we don't promise same-day money. What we can say is that decisions move fast, and funding can arrive in as little as 24 hours for qualified businesses after an offer is accepted.

What speeds things up

What slows things down

Missing statements, deposits that don't match the business name, or a request far beyond what deposits can support. None of these are automatic deal breakers, but each one adds back-and-forth. Our guide on business funding in 24 hours goes deeper on timing.

Fast does not mean careless

When you are in a hurry it is easy to skim the offer. Don't. Your offer shows the full repayment amount and the repayment schedule before you accept. Check both against a slow week, not just this weekend's booked events. If you're not sure the payments fit, request less.

For illustration, a truck owner facing a broken fridge might only need enough for the repair and a restock of spoiled product, not a large cushion on top. Smaller and sooner beats larger and stressful.

A quick triage checklist

Before you apply, take ten minutes to sort the problem. Is the truck unable to serve at all, or is it running at reduced capacity? Can a short-term workaround, like renting a generator for the weekend, buy you time to compare options? Is there a booked event with a deposit already paid that you'd lose? Answering these questions tells you how much speed you really need and how much money. Owners who apply with a clear, specific amount and the statements ready tend to get through the review faster than those who apply with a rough guess and a scramble for paperwork.

Requirements at a glance

FICO 500+ considered. Soft credit pull to start. No tax returns required. Sole proprietors can apply. Funding from $25,000 to $5,000,000, depending mainly on deposits and existing obligations. For emergencies specific to trucks, see our food truck emergency funding page, or go straight to the five-minute application.

Frequently Asked Questions

Can I get funded the same day I apply?

We don't promise same-day funding. Decisions move fast, and funding can arrive in as little as 24 hours for qualified businesses.

What's the fastest way to get through the process?

Have about three months of business statements ready, know the amount you need, and respond quickly to any questions.

Does a fast decision mean a hard credit pull?

No. We start with a soft credit pull.

Do I need tax returns?

No tax returns are required.

Is there a minimum amount?

Funding starts at $25,000.

Compressor fix $6,800.00
Permit and fees $4,500.00
Spoiled stock $5,200.00
Wedding catering $25,000.00

Example uses for illustration only.

How to improve your chances

These steps help a fast request move even faster.

  • Download three months of business statements in advance
  • Get a repair or purchase quote before applying
  • Keep the business name consistent on all accounts
  • Request only what the immediate need requires

Fast funding with us vs. a bank

Merchant Fund Express
Traditional bank loans
Typical speed
As little as 24 hours if qualified
Weeks
Application
About five minutes
Lengthy forms
Credit
FICO 500+ considered
High score usually needed
Tax returns
Not required
Usually required
Cost view
Full repayment in the offer
Varies

Move fast, with the full picture in front of you

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

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