What is the best business funding for food trucks?

The most common options for food trucks are equipment financing, merchant cash advance, startup business loans, working capital loans. The best fit depends on your time in business, revenue, credit and what the funds are for.

Can food trucks get funding with bad credit?

Often yes. Revenue-based products such as merchant cash advances and collateral-backed products like equipment financing weigh revenue and assets more than credit.

How much funding can food trucks get?

Revenue-based providers commonly approve about 50%–150% of average monthly revenue. Term and SBA loans may go higher for established businesses.

What documents do food trucks need?

Usually 3–4 months of business bank statements, ID and a voided check; larger loans add tax returns and financial statements.

Industry funding

Business Funding for Food Trucks

The most common business funding options for food trucks are equipment financing, merchant cash advance, startup business loans and working capital loans. Food trucks commonly finance the truck itself and use small advances for operations.

Last updated October 23, 2026

Typical funding needs for food trucks

Truck purchase
Kitchen equipment
Permits

Funding options compared

Comparison of business funding options (industry estimates)
Option	Amount	Term	Typical cost	Speed	Credit
Equipment Financing	$5k – $5M	2 – 7 years	6% – 30% APR	1 – 10 days	600+
Merchant Cash Advance	$5k – $500k+	3 – 18 months	1.10 – 1.50 factor	24 – 72 hours	500+ often accepted
Startup Business Loans	$5k – $250k	6 months – 7 years	Varies widely	1 day – 8 weeks	650+ preferred
Working Capital Loans	$5k – $1M	3 – 24 months	Varies by product	1 – 5 days	550 – 680+

Typical requirements

6–24 months in business depending on product
$10k+ in monthly revenue for revenue-based options
3–4 months of business bank statements
580–680+ credit depending on product

Frequently asked questions

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Written by

BusinessFundingQuote Editorial Team

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Reviewed by

Funding Review Desk

Reviewed for accuracy against current market practices

Rates and ranges on this page are typical market estimates for educational purposes, not offers. How we make money.