Food Truck Financing

Food truck financing covering the vehicle, kitchen buildout, or both — $50K to $250K with seasonal payment flexibility. Representative example: a $120,000 food truck runs about $2,2xx/month.*

Get a Quote Talk to an Expert

The Food truck Reality

A food truck is a restaurant with wheels and a fraction of the buildout cost — but lenders treat them as exotic. We finance the truck, the kitchen buildout, or both, with payments that flex around festival seasons and winter slowdowns.

Built for This Asset

Structures priced by people who know what a food truck earns and how it holds value — not a generic credit box.

Food & Beverage Expertise

Part of our Food & Beverage vertical: payment structures matched to how this industry's revenue actually arrives.

Backed by $1B

A $1B forward flow agreement with TPG gives Elevex institutional capital strength with entrepreneurial speed.

What We Finance

New custom food truck builds
Used and refurbished food trucks
Concession trailers and mobile kitchens
Kitchen equipment and generator packages
Wrap, POS, and technology add-ons
Fleet expansion for multi-truck operators

Payment Structures

The differentiation: four ways to own the same equipment, engineered to your cash flow. Compare them side by side on our structures page.

Operating Lease

Off-balance-sheet treatment with end-of-term flexibility — return, renew, or purchase. Often the right answer when technology cycles or accounting outcomes drive the decision.

$1 Buyout Lease

Own the equipment for one dollar at term end. Fixed payments, full Section 179 eligibility, and a clean path to ownership.

Seasonal & Step Payments

Payments that follow your revenue curve — lighter in slow months, heavier in peak season, or stepping up as new equipment ramps to full production.

Usage-Based & As-a-Service

Payments tied to hours, output, or consumption. The category Elevex is defining: pay for what equipment achieves, not what it costs.

How It Works

Three steps from quote to funded.

1 · Apply in Minutes

Application-only to $1,000,000 — no tax returns or financials below that threshold. Have your equipment quote, auction listing, or build spec ready.

2 · Structure Together

A finance professional (not a portal) walks the structure options — term, seasonality, end-of-term — and prices the deal to your cash flow.

3 · Fund in 24–48 Hours

Most transactions fund within 24–48 hours of signed documents. Your vendor gets paid; you get to work.

Common Questions

How much does food truck financing cost?

Typical builds run $80K–$200K; financed over 72 months a $120,000 truck lands near $2,200/month for strong credits, with seasonal structures shifting payments toward your busy months. Apply with your build quote for exact numbers.

Can I finance a used food truck from another operator?

Yes — used trucks and private-party sales are financeable, valued on the chassis, the kitchen buildout's condition, and code compliance rather than a book value that doesn't exist for custom builds.

Can I finance a used food truck?

Yes — used food truck financing is standard business, whether the unit comes from a dealer, an auction, or a private seller. We value working assets on condition and remaining service life, not a blanket age cutoff, and set terms the equipment can actually support.

Does a food truck qualify for Section 179?

Most business-use equipment placed in service this tax year qualifies for Section 179 expensing, financed or purchased outright — often meaning the first-year deduction outruns your first-year payments. Run your numbers on our Section 179 calculator and confirm specifics with your tax advisor.

How fast can food truck financing close?

Application-only decisions to $1,000,000 come back in minutes for qualified credits, and most deals fund within 24–48 hours of signed documents. Apply online with your quote to start.

EDITOR NOTE (remove before launch): *Representative example for illustration only — not an offer of credit. Actual payment depends on credit profile, term, structure, and equipment; all financing subject to approval. Explore <a href="/equipment-financing">equipment financing</a>, <a href="/equipment-leasing">equipment leasing</a>, or estimate tax savings with the <a href="/section-179-calculator">Section 179 calculator</a>.

Ready to finance your food truck?

Payments built on outcomes, from the team that knows your industry. Equipment sellers: offer financing at the point of sale with CapVex.

Apply Now Sellers: Register