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Food Truck Financing · 2026

Food Truck Financing

Capital for a new truck, a second unit, kitchen equipment, or a commissary — approved on your sales, not perfect credit, so mobile operators qualify.

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$500KMax amount
500+Min FICO
1-3 daysFunding
New/usedBoth qualify
$25K–$5Mfunding range
24 hrstypical funding
500+credit scores OK
Restaurantsany POS
No collateralfor working capital

See how much your restaurant qualifies for

$25K to $5M on any POS — approved on your revenue, funded in as little as 24 hours. Higher limits than processor-tied lenders.

  • ✓ 500+ credit
  • ✓ 6+ months open
  • ✓ $10K+/mo revenue
1-Minute Application

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Start your application in about a minute. A real decision fast — soft credit pull, no obligation.

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🔒 Soft credit pull · will not affect your credit score

Reviewed by the Toast Funding team · Updated July 2026

What is food truck financing?

Food truck financing funds the truck, equipment, or working capital your mobile operation needs — approved on your sales and revenue rather than perfect credit (FICO 500+). Toast Funding funds $10,000 to $500,000 in 1-3 business days, whether you're buying your first truck or scaling to a fleet.

How it works

1

Apply in 5 minutes

Short application with a soft credit pull that does not affect your score.

2

Send your quote & statements

A truck/equipment quote plus 3 months of bank statements.

3

Get your offer

Terms priced on the asset and your revenue, shown up front.

4

Get funded

Funds go to you or the seller, typically in 1-3 business days.

Food truck financing terms

Typical 2026 ranges for mobile food businesses through Toast Funding.

DetailTypical rangeNotes
Amount$10K – $500KNew, used, or auction units
Term12 – 60 monthsMatched to useful life
Down payment0 – 20%Depends on age & revenue
CreditFICO 500+Asset-secured options

Payment Calculator

Estimate your monthly payment. Adjust the amount and term below.

$2,458Est. monthly payment
$118,000Est. total of payments
48 moTerm

Estimates only, for illustration, using a sample rate. Real rates and terms are set at underwriting.

What you need to apply

  • US-based food truck or mobile food business
  • 6+ months in business
  • A quote for the truck or equipment (if buying)
  • Last 3 months of business bank statements
  • Valid EIN and business bank account
  • FICO 500+ (asset-secured options)

Amounts, terms & speed

Financing runs from $10,000 to $500,000 over 12 to 60 months, priced on the truck/equipment and your revenue. For working capital, payments can flex with your sales.

Most deals fund in 1-3 business days.

Use the calculator above to estimate your monthly payment.

Mobile food businesses we fund

Food Trucks & Trailers

Buy a first or second unit, or upgrade an aging truck.

Commissaries & Ghost Kitchens

Capital for prep space, equipment, and delivery growth.

Catering Operations

Fund vans, equipment, and staffing for big events.

Concession & Festival Vendors

Cover inventory and gear for peak event season.

When it makes sense

Frequently asked questions

Can I finance a used truck?
Yes — new, used, and auction trucks qualify, though age affects the term and any down payment.
Can I qualify with bad credit?
Yes — FICO 500+ can qualify, especially when the truck or equipment secures the financing.
Do I need a down payment?
Often not for newer units; older trucks may need some down payment based on your revenue.
Will checking my options affect my credit score?
No. Prequalifying uses a soft credit pull that does not affect your score. A hard pull only happens if you accept an offer.
What can I use the funds for?
A truck, equipment, a commissary, marketing, staffing, or general working capital — your call.
Are there any upfront or application fees?
No. Applying and getting a decision is free. Any fees are disclosed in your offer before you accept.

Sources & further reading

Fund your food truck

Apply in 5 minutes with a soft credit pull. Buy the truck and keep cash in the business.

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Figures and calculator estimates are typical 2026 industry examples for general information and vary by underwriting; your actual terms are set at application. Funding is subject to approval. Product and company names referenced are the property of their respective owners.

Get funded in 24 hours

Approved on your revenue, not just your credit. Start your 1-minute application.

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Why restaurants choose Toast Funding

Independent and POS-agnostic — a faster, higher-limit alternative to processor-tied offers. We are not Toast, Inc.

🍽️

Any POS, no lock-in

Toast, Square, Clover, Aloha, TouchBistro — keep or switch processors without losing your funding.

⚡

Funded in 24 hours

Decision in as little as 4 hours, money wired in 24–48. Same-day for clean files.

📊

Higher limits, approved on revenue

Up to $5M vs a processor cap. 500+ FICO accepted, underwritten on your deposits and sales.

Ready to get funded?

Approved on your deposits, not just your score. Funded in as little as 24 hours.

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Before you go

See how much your restaurant qualifies for

$25K–$5M · funded in 24 hours · 500+ credit OK. A soft credit pull that will not affect your score.

START MY 1-MINUTE APPLICATION →

No obligation · takes about a minute