Food truck loans and leases — new and used, from a dealer, builder, or private seller. Application-only for qualifying businesses, with terms up to 72 months. Financing available nationwide.
Whether you're comparing a food truck loan, a lease, or builder financing, the structure is what matters. Rates vary by credit profile, time in business, and the truck's age. Representative program structure:
| Program | Typical structure |
|---|---|
| Application-only | Up to $100K for qualifying businesses — no financial package |
| Terms | 24–72 months |
| Down payment | No money down on approved credit |
| Equipment | New & used — dealer, builder, or private seller |
| Financing | Up to $500K |
| Structures | Loans (you own it) and leases (lower payment, flexible end-of-term) |
Four things move an equipment financing rate more than anything else: your credit profile, time in business, the truck or trailer's age, and the term length you pick. Newer units and shorter terms price better. Application-only deals trade a slightly higher rate for speed and zero paperwork.
The honest answer to “what’s the rate?” is that a real quote takes about two minutes of information — that’s the form above. No obligation, no credit pull to see options.
Rates, terms, and approval vary by applicant and are not guaranteed. All programs subject to credit approval.
Yes — late-model used trucks are financeable, titled and road-ready, including trucks bought from another operator. Older trucks are case-by-case.
Yes — dealer, custom builder, or private seller. Private-party deals are a normal part of the program.
Usually, yes — the truck or trailer plus its kitchen package can be financed together as one deal, which is how most new builds are structured.
Payment depends on the price, the term you pick (24–72 months), your credit profile, and the unit’s age — which is why an online calculator only gets you a ballpark. The two-minute form returns real options with real numbers: no obligation, no credit pull to see them.
Yes — concession and food trailers are faster, smaller-ticket deals, most well inside application-only territory. Same two-minute form; pick food trailer as the equipment type.
Yes — apply online and fund a truck or trailer from any builder, dealer, or seller near you.
Fill out a short form — your business, the truck or trailer, and roughly how much. About two minutes, no obligation.
A financing specialist will contact you during business hours to confirm details and go over your financing options.
Documents are collected through a secure portal — never by email — and your approval moves to funding.