Get your food truck funded and on the road
Food trucks combine the challenge of restaurant operations with vehicle ownership, creating a unique set of financing needs that most traditional lenders struggle to underwrite. Whether you're buying your first truck, outfitting a kitchen, or expanding to a second unit, the upfront costs can be substantial and the revenue patterns are event-driven and seasonal. Bay Street Lending connects food truck operators with flexible financing options from lenders who understand mobile food service. From vehicle and kitchen buildout loans to working capital for permits, inventory, and marketing, we help you get rolling without depleting your reserves.
A fully equipped food truck costs $50K–$200K. Financing lets you get on the road without draining your savings.
Health permits, parking permits, and business licenses vary by city and add up. Working capital covers these regulatory costs.
Weather and event schedules create revenue swings. A credit line provides stability during slow periods.
Yes. Equipment financing can cover the vehicle purchase and kitchen buildout as a single loan, since the completed truck serves as collateral.
New food trucks may qualify for equipment financing with good personal credit. Working capital typically requires 6+ months of operating history.
Equipment financing covers commercial kitchen equipment whether it's installed in your truck or at a commissary location.
One application, no credit impact, and a dedicated specialist to walk you through your options. See what you qualify for in minutes.