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Workable, Customised Food Truck Finance Solutions
Serving and selling meals, snacks and takeaway foods from a mobile vehicle is extremely popular both with customers at venues and with many operators. This style of enterprise offers flexibility to change location and operating hours. But it can be a competitive market and outgoings need to be kept withing budget. We assist operators keep the costs of acquiring mobile food vehicles within budget with customised vehicle funding solutions. Solutions sourced from across our vast lender base with lower rates, negotiated terms and workable repayment schedules.
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Compare Business Finance Food Truck Loan Rates
Vehicle funding rates can vary with lender, credit product, vehicle and with individual aspects of each application. With our vast lender market coverage, we achieve lower rates across our portfolio. For comparison, budgeting and planning purposes, use our latest rates as a guide and call us for a confirmed quote.
| Loan Product | Interest Rate | Monthly Repayment |
| {{Loan Product}} | {{From - Advertised Rate}} {{Rate Type}} |
${{Payment Amount}} Monthly |
Disclaimer: This calculator comparison chart is provided for general reference purposes only. It is not in any way intended as a loan application, it is not a quote for finance or any indication that an application has been received or approved. The repayments quoted may not include all the fees and charges that may be applicable. The interest rates and the repayments displayed do not account for any conditions pertaining to your individual loan application. Therefore the interest rate and repayment you may be offered may vary from the amount shown.
Today's best rate
Finance Equipment From
4.99 % Fixed
* The interest rate is calculated on a secured loan for commercial use, effective 23/04/2025 and subject to change. Warning: the interest rate is only true for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts may result in a different interest rate.
Today's best rate
Finance Equipment From
4.99 % Fixed
* The interest rate is calculated on a secured loan for commercial use, effective 23/04/2025 and subject to change. Warning: the interest rate is only true for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts may result in a different interest rate.
Get Workable Food Truck Finance from Expert Brokers
With the variations across the lending market in regard to rates, approval criteria and lending guidelines, operators can face challenges sourcing the most suitable options and lowest rates. Using our expert commercial vehicle lending services provides buyers with an efficient and effective way to secure workable credit.
We work with our clients to understand their specific requirements and with our lenders to secure the funding solution to meet those requirements. CMAll types of enterprises, even those just setting up a mobile meal service operation, can access our expert broker services directly – no referral is required.
- 20+ years commercial lending experience.
- Superior expertise, capabilities and experience.
- Australian based finance brokers.
- Specialists in food truck financing.
- Solutions customised to suit the food truck operation.
- Member FBAA, Licensed Credit Provider
Access Specialist Food Truck Finance Lenders
While popular with customers, a mobile takeaway meal service may not be seen by all as a mainstream vehicle usage. To secure workable funding to acquire a vehicle, operators may need to connect with the right lender. We provide that access via our accreditations with more than 80 lenders.
We know the matrix used by our lenders to prepare rate and credit offers and to approve applications. Using our smart technology resources and key industry-level connections, we efficiently identify which of our lenders is best suited to making the most workable offers for mobile vehicle funding.
Our access to this specialist lenders includes options for new and used mobile vehicles, fully operational and ready to serve and for those requiring fitting-out with kitchen, cooking, refrigeration and storage facilities.
- 80+ lenders including specialist food truck finance lenders.
- Intel, insights and expertise to source the right lender for vehicle and operation.
- Achieve lower food truck loan rates from the right lenders.
Types of Food Truck Loans
Operators are presented with a selection of commercial funding products for vehicle purchases. These options have variations in regard to accounting method compatibility; taxation treatment; balance sheet approach; GST treatment; and interest rates. It is advisable for operators to have a discussion with their accountant as to which is best for their operation.
When securing funding with any of these options, we ensure rates are fixed over the full term, terms negotiated up to 84 months, a balloon or residual is included as an option and the repayment schedule is structure to work with cash flow.
- Food Truck Chattel Mortgage
- Food Truck Leasing
- Rent-to-Own Food Truck Loan
- Commercial Hire Purchase Food Truck Finance
- New and Used Food Truck Finance
- Sole trader, self-employed, start Food Truck Loans
How to Get Food Truck Loan Solutions for Extras & Options
As specialists in commercial vehicle lending, we appreciate that a mobile takeaway operation can require more than simply funding for the acquisition of the vehicle itself. These operations can include cooking, preparation, ice cream sales, deep-fried snacks, selling fresh and packaged fare and serving meals across a range of cuisines. The specific goods to be sold can determine how the vehicle needs to be configured.
We provide a range of funding options to cover not only the cost of the vehicle, but also the extras and options to configure the vehicle for the intended use. Expenses such as internal fit-out, costs of cooking facilities and signwriting the vehicle to promote the operation.
- Secured and Unsecured Food Truck Extras Loans
- Overdraft for Food Truck Signage and Options
- Food Truck fit out finance
Get Fast Approval for Food Truck Finance
Getting the operation started can be a priority. We understand the enthusiasm our clients have when they are starting a new venture or expanding with additional vehicles. Our fast finance approval service ensures our brokers can expedite the credit to facilitate quick vehicle acquisitions.
Prior to applying, operators can use our funding calculator to work up estimates for planning how they may like us to structure their credit. Applications may be approved in 24 hours. Call us to discuss your requirements and the options we can offer.
FAQs
Food Truck Financing
Vehicles can be funded with the choice of Leasing, CHP, Chattel Mortgage and Rent-to-Own.
Rates offered by lenders will be based on the lender assessment of the individual application. Advertised rates can be used as a guide.
New operators may not have all the financials or meet all the criteria as required by some banks and lenders. They may seek brokers and lenders that offer low doc and no doc credit.
Vehicles can be funded with asset acquisition credit products. The fit out costs may be funded with an unsecured or secured credit product.
Rent-to-Own and lease payments are fully deductible. CHP and Chattel Mortgage payments are not fully deductible, only the interest portion is treated as a deduction. These types of credit realise deductible amounts through depreciation of the vehicle.
Most asset acquisition funding is secured with a fixed interest rate which remains fixed over the full credit term.
No. GST registration is not an essential requirement for commercial credit.
A balloon payment is due to be paid in full after the final monthly repayment is made.
When purchasing a second hand vehicle already fitted-out, buyers can select from Chattel Mortgage, Lease, CHP and Rent-to-Own. Used vehicle interest rates and other funding conditions may apply. Other acquisition of an ongoing operation such as goodwill, may be funded with secured and unsecured credit products.
Most lenders will accept the vehicle as the security against the funding. For some applicants, additional collateral may be requested.
