Food truck financing — built for established operators expanding the fleet.
22 years funding mobile food. Most of our food-truck calls are from established operators adding truck two, three, or replacing an aging unit. Used trucks, concession trailers, full custom builds. Strong-credit operators come to us for the speed. Used-equipment buyers come to us because most banks and dealer finance companies won't touch those deals. Either way — one application, programs across every credit tier, real person on the phone.
What we finance
- Food trucks — custom step-vans, box-truck conversions, Sprinter-based rigs, Mercedes platforms, Ford F-Series and Chevy-based builds
- Concession trailers — pull-behind food trailers from 12' to 32', single-axle to gooseneck, fully built or shells
- Mobile kitchens — full kitchen equipment build-outs, kitchen-on-wheels, catering rigs
- Ice cream trucks and dessert rigs — soft-serve, hard-pack, specialty dessert
- Hot dog carts and food carts — push-cart, trike, motorized cart, $5K to $30K range
Who we fund
- Established food-truck operators expanding the fleet. Truck two, three, your tenth — recurring revenue and operating history make these the cleanest deals on our desk.
- Operators replacing an aging unit. Trade-in the old truck, finance the new one. We've structured dozens of these.
- Strong-credit operators who want the convenience of an experienced equipment-finance specialist instead of the bank paperwork shuffle. App-only, mostly phone and email.
- Concession and event operators expanding from a single trailer to a multi-rig operation.
What a typical expansion deal looks like
The cleanest food-truck deals on our desk follow a pattern: established operator, two-plus years running the first truck, bank statements showing recurring catering or festival revenue, credit that's grown alongside the business, and a specific second unit they've already identified. Often a used step-van conversion or a custom build coming off another operator's lot. Sometimes sometimes dealer.
That profile would get bounced at most banks for one of three reasons: under 5 years in business, used equipment, or wrong asset class for the bank's standard collateral. The dealer's finance company often is brand-locked. We look at the same file and see a credit-worthy operator with real revenue and a clear use for the next unit.
When the deal closes, it's the program-network model doing the work: one application, the right program identified in 24 hours, soft credit pull only, title work and lien filing coordinated by us, wire to the seller (or dealer) the same week. The operator gets the new truck on the road for the next season.
If your operation looks like that — established, expanding, and you've found the unit — call us. We have programs built for exactly that profile.
Why TAC vs. one bank
Most food-truck financing requests get bounced around four or five banks before someone takes a serious look. Each rejection is another hard credit pull, another week lost, and another seller losing patience. TAC fixes that: one application, programs across every credit tier, soft credit pull, and the right fit identified in 24 hours. If your file fits multiple of our programs, we'll tell you which ones — and structure the deal that best fits your operation.
Trust Alliance Capital is a Kaysville, Utah-based, BBB A+ rated commercial equipment finance company, family-owned since 2004 — same family, same office, same phone number for 22 years. The person who picks up the phone at (801) 332-9756 is the same person who'll work your file through to funding.
Ready to talk about the unit you're buying?
Tell us about the food truck or trailer you're financing.
Three minutes on the phone and you'll know what your deal looks like.