Food truck financing, with the full cost in writing before you sign
A single conversation and a clear number, followed by options from our partner network, usually within a business day. Every request is looked at by a funding specialist rather than software.
- 24–48 hfrom statements to a decision
- $10K–$2Mplaced through our partner network
- No hard pullto see your options
Advice first. The product second.
One point of contact, not a queue
A single specialist reviews your file, responds to you, and sees it all the way to funding.
Costs in writing before you sign
Total payback, the factor rate shown in dollars, the remittance schedule, and prepayment terms. A deal goes nowhere with us unless the partner commits to it in writing.
The right product, or no product
In some cases the honest recommendation is a line of credit, equipment financing, or holding off for a quarter. We say so.
Published minimums
A business bank account, at least 6 months in business, and roughly $15,000 in monthly deposits. If you're near the line, reach out, since the numbers only tell part of the story.
Merchant cash advance
The sale of a set amount of future receivables, paid back through daily or weekly remittances. Quick and flexible, and something to understand completely before you accept it.
Funding in 1–3 daysRevenue-based financing
Funding you repay as a share of monthly revenue, so the payments rise and fall with sales. Suits seasonal or fast-growing businesses.
Up to 12–18 monthsEquipment financing
Because the equipment serves as collateral, the cost is usually lower and the terms longer than with unsecured capital.
Terms of 2–7 yearsBusiness line of credit
Take funds as and when you need them, and pay for the amount you draw. Best suited to gaps that keep coming back, not one-off projects.
Revolving
The steps a request goes through, and the time each one takes.
- About 3 minutes
Tell us the number and the why
How much you need, by when, and approximately what the business takes in. No credit pull at this step.
- Same day
Send three months of statements
Bank statements are enough to start. We review them as a funder would and let you know your position before anything goes out.
- 24–48 hours
Options in writing, in plain numbers
Your specialist goes over every option with you, covering amount, total payback, remittance and early-payoff terms. You decide.
- Next business day
Sign and fund
What you sign is exactly what we reviewed with you. Money arrives by wire, frequently on the same day.
Five things you will not find here.
- Make you pay to apply, to view options, or to be turned down
- Pull your credit with a hard inquiry to show what you qualify for
- Send a request to any partner unwilling to commit the cost to writing
- Refer to an advance as a loan, or give a rate without the dollar amount
- Sell your information for unrelated purposes
What a partner needs to see
- Time in business
- 6+ months
- Monthly deposits
- $15,000+
- Credit
- 500+ FICO considered; statements weigh more
- Location
- A business based in the U.S. with a business bank account
- Industries
- Most industries; ask about restricted ones
Close but not quite? Ask. Your overall deposits and their direction count for more than any one line item.
Check your fitPlain answers before you talk to anyone.
Is a merchant cash advance a loan?
No. With an MCA, a funder buys a set amount of your future receivables for less than face value. You get a lump sum up front, then pay a fixed daily or weekly amount (or a share of card sales) until the purchased amount has been delivered. There is no interest rate, since this is not a loan; instead the cost is the gap between the amount you receive and the amount you remit, typically shown as a factor rate.
How fast can funding arrive?
Most requests receive an answer within 24–48 hours after we have your statements. Money usually arrives within one business day after you sign the agreement, and sometimes that same day.
What does it cost?
The answer comes down to which product it is, along with your deposits, how long you've been operating, and what you already owe. Every option we present is quoted as total dollars to be paid back, with the remittance schedule and prepayment terms, before you sign anything. The sample figures shown on this site serve as illustrations, not as offers.
Will requesting funding affect my credit?
The initial request does not pull credit. The funding partner may run a soft or hard inquiry if you proceed with a specific offer, and we let you know which one before it happens.
Can I qualify with existing advances?
In many cases, yes, though it depends on how many positions you have and how they're performing. Careless stacking is what gets businesses in trouble, which is why we review your existing remittance load before recommending anything.
What if the answer is no?
We explain the reason in plain language and what could change the outcome, which is usually time, deposits or paying down a position. No fee for a no.
Read this before you sign anything.
Plain answers to the questions we hear most from owners: what an advance costs in dollars, what happens when something goes wrong, and which alternatives are worth knowing.
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Get a person who will actually read your statements.
Start with the number you need. No obligation, no credit pull to begin.