FOOD TRUCK & TRAILER FINANCING

Your mobile kitchen.
Built around your next step.

Starting your first mobile kitchen or growing an established business? Explore financing options for your food truck, trailer and equipment.

Explore your options ↓Get your project quote

Financing is subject to provider approval and terms.

New & established businessesProject quotes tailored to your buildSupport in English & Español

EXPLORE YOUR FINANCING OPTIONS

Reliant Capital

Clicklease

Truist

Regions / Ascentium Capital

Pinpoint Payments

E-Funding Experts

Options discussed with our office. Availability and provider relationships must be confirmed for your project; approval is determined by each provider.

FIND YOUR PATH

Find the right starting point for your build.

Options for new businesses

Start with the option that matches your business stage. Our team can help you review the next steps before you apply.

MOST USED BY OUR NEW ENTREPRENEURS

01 / NEW & ESTABLISHED BUSINESSES

Equipment leasing with Clicklease

Our most frequently used option for new entrepreneurs, thanks to Clicklease’s quick application and approval process. A practical starting point for those launching their first business.

Why explore Clicklease?

New businesses can apply, the initial application does not require a hard credit pull, and approved applicants can review available payment plans and a purchase option before choosing their lease.

Application requirements & what to expect

No minimum time in business: new businesses may apply.
All credit scores welcome: Clicklease does not advertise a minimum score on our partner page. Approval is not guaranteed.
No hard credit pull for the application.
Complete the online application through our dedicated Clicklease page. It advertises no documents needed to apply; some applicants may need additional bank verification.
Review and sign the lease if approved. Check payments, total cost and purchase-option terms.
A documentation fee applies at signing. Clicklease lists a typical fee of $79–$499, depending on lease size. Confirm your actual fee in the agreement.

Clicklease states it does not require a down payment. Any difference between your project price and approved amount remains your responsibility, separately from lease fees.

Sources: Clicklease partner page · Clicklease FAQ. Reviewed November 2, 2026.

Explore Clicklease ↗

Approval, available amount and terms are determined by Clicklease.

NEW BUSINESS OPTIONS

Financing with Reliant Capital

Why explore Reliant?

Reliant has confirmed that it considers startups and A–D credit profiles. New business owners can ask our office about an equipment-financing option suited to their project, subject to Reliant’s evaluation.

Startups considered: approval is not guaranteed.
Individual requirements: minimum credit score, down payment, income and required documents are pending clarification.
Reliant determines approval, amounts, payments and terms. Its requirements are separate from Clicklease’s.

Ask about Reliant Capital

Options for established businesses

02 / ESTABLISHED BUSINESSES

Bank & other financing options

Ask our office about Truist and Regions / Ascentium Capital as you plan your next build. Available programs and application routes must be confirmed for your project.

Why explore a bank option?

Explore bank financing of up to $200,000, depending on the program and your qualifications. An approved amount may cover the full purchase price of your truck or trailer. Full financing is not guaranteed; a down payment may still be required, and taxes, fees or other costs may be excluded. Use your Smart Food Truck estimate to confirm the amount you need and compare any available offer with your budget. Our office can help identify the appropriate application route; each bank determines its own products and terms.

Truist: requirements depend on the selected program and applicant. Ask our office about the appropriate route.
Regions / Ascentium Capital: the published equipment-financing program typically requires two years in business and a credit score of 650 or higher, subject to evaluation. These are not universal requirements for all bank products.
For programs requiring two years in business, obtain an estimate from Smart Food Truck before proceeding with financing.
Eligibility and documentation depend on the lender and program.
Complete our contact form with your information and mention your Smart Food Truck estimate so our office can guide you.

Request financing guidance

Two years in business is not a universal requirement for every product offered by these banks.

Financing and leasing are provided by third parties. Availability, rates, amounts and terms vary. Approval is not guaranteed.

OTHER ROUTES TO EXPLORE

Different needs. Different financing products.

Ask our office which options may fit your situation. Provider availability and application requirements must be confirmed; inclusion here does not imply an active partnership with every provider.

BUSINESS FUNDING

Pinpoint

A business-funding option to discuss with our office.

Why explore Pinpoint?

Pinpoint describes funding based on business sales history that may be used for equipment and other business needs. Ask our office to confirm the available product and costs for your situation.

Previously communicated requirements: six months in business, four months of business bank statements and an EIN.
Current requirements are pending reconfirmation. Ask us to confirm the available product, eligibility, repayment schedule and total cost before applying.

Ask about Pinpoint

PERSONAL LOAN FOR BUSINESS OWNERS

E-Funding

A personal-loan route for new and existing business owners. This is a personal borrowing obligation, not equipment leasing.

Why explore E-Funding?

Owners starting a new business may explore this route using their personal income history. You do not need two years of business operations for the program described here; personal income, credit and the other requirements below still apply.

Credit score of 680 or higher, subject to evaluation.
Verifiable personal income and two years of personal income history — not two years in business.
Three months of bank statements.
SSN or ITIN with valid identification.
Disbursement fee: 15%. An alternative fee of 12.5% applies if Smart Food Truck waives its 2.5% commission. Confirm the applicable arrangement in writing before proceeding.

The fee is a cost in addition to applicable loan interest and other charges. Confirm the amount received, all costs and repayment obligations in the final agreement. Rates and maximum loan amounts are not listed here pending clarification.

Ask about E-Funding

Bank financing for established businesses

Banks typically evaluate business age (often two years or more, depending on the program), credit history, verifiable income and ability to repay. They may request tax returns, bank and financial statements, business and truck or trailer documents, a personal guarantee, insurance or a down payment. Approval, amounts and terms depend on the bank and applicant; some programs accept newer businesses.

For programs requiring two years in business, obtain a Smart Food Truck estimate first. Then complete our contact form and mention your estimate.

PLAN YOUR PROJECT AND CUSTOMER CONTRIBUTION

See how the
application works.

Our financing partner, Clicklease, offers equipment leasing subject to approval and its terms. Apply online or complete our contact form for help exploring your options.

When your project costs more, you pay the difference. You pay Smart Food Truck the difference between the total purchase price and the amount approved by Clicklease. Your approved amount does not limit your overall project budget.

Approval, the approved amount, payments and terms are determined by Clicklease. Approval is not guaranteed.

Apply with Clicklease ↗

En español: Si el proyecto cuesta más que el monto aprobado, el cliente paga a Smart Food Truck la diferencia. Solicita primero tu cotización para conocer el precio total y tu aportación.

Clicklease application demonstration. Illustrative video; current application screens, amounts and terms may differ.

HOW IT WORKS

Your build starts with a clear plan.

01 / DEFINE

Quote your project

Choose your truck or trailer, equipment and build requirements.

02 / EXPLORE

Review your options

Consider the programs that fit your business stage and project.

03 / APPLY

Apply with the provider

Complete the provider’s application and supply the information it requests.

04 / PLAN

Review your offer

Confirm terms, your contribution and the project’s next steps before proceeding.

PLAN YOUR CONTRIBUTION

Your project budget.
Your approved amount.

If the approved financing does not cover your purchase price, you pay the remaining difference. Start with a custom quote so you know the full scope.

Request your custom quote →

ILLUSTRATIVE EXAMPLE

Total purchase price$43,000

Approved financing− $30,000

Your contribution$13,000

Example only—not a financing offer or maximum approval amount. Financing costs and any expenses outside the quoted purchase price are separate.

BEFORE YOU APPLY

Clear answers.
Confident next steps.

Not sure which option to choose? Contact our office and tell us about your business.

Can I apply if my business is new?

Clicklease states that no time in business is required. Other programs have different eligibility requirements. Approval remains subject to the provider’s review.

Do I need two years in business?

Some bank and other financing programs require at least two years of business history. For these programs, you must first obtain an estimate from Smart Food Truck. Then complete our contact form and mention your estimate. This is not a blanket rule for every Truist or Regions product.

How much can I qualify for?

The provider determines your approved amount. Review the current offer directly with the provider rather than relying on a fixed amount advertised here.

Is leasing the same as a bank loan?

They have different structures and terms. Review payment obligations, ownership and any end-of-term purchase conditions in the provider’s agreement.

What if my approval is lower than my project price?

You can discuss adjusting your project or contributing the remaining difference. Our team can help you review the build scope.

LET’S PLAN YOUR NEXT STEP

Bring us your idea.
We’ll help you review your options.

Complete our existing contact form with your name, email, phone, state, city and message. Tell us whether you are starting or expanding, and mention your estimate if you already have one.

Complete our contact form Get your project estimate