Financing Your Food Truck or Trailer

Building a custom food truck or trailer is a significant investment — and for most operators, financing is part of the plan. At LA Custom Food Trucks, we work with a variety of lenders and financing sources to help connect our customers with options that fit their situation. We’ve been through this process with dozens of clients and understand what lenders are looking for.

What to Expect from Lenders Today

Since 2020, commercial lenders have become significantly more selective in how they evaluate food truck and equipment loans. This isn’t a reason to be discouraged — it’s simply something to be prepared for. Here’s what most lenders want to see:

Proof of restaurant or food service industry experience — most lenders look for a minimum of 2 to 3 years working in the industry before approving a food truck loan.
A down payment of 30 to 50 percent of the total project cost. The stronger your application, the more flexibility you may have on this number.
A solid business plan that outlines your concept, target locations, and projected revenue.
Personal financial documentation including credit history, tax returns, and bank statements.

Loan Terms and Structure

Financing terms vary depending on the lender, the loan amount, and your financial profile. Most food truck equipment loans offer a range of repayment terms, giving you flexibility in how you structure your monthly payments. Every situation is different — which is why LA Custom Food Trucks takes the time to understand your specific circumstances before making any recommendations.

How We Help

We work with a variety of lenders and financing sources and can help point you in the right direction based on your situation. We are not a bank or a financial advisor — but we’ve worked alongside enough buyers to know what a strong application looks like and what common pitfalls to avoid.

Ready to talk through your options?

Call us at (747) 225-0117 or request a free consultation and we'll walk you through what to expect.

Note: All financing is subject to lender approval. Terms, rates, and qualification requirements vary by lender and individual financial profile. LA Custom Food Trucks does not guarantee financing approval.