FOOD TRUCK SBA 7(a) LOANS

Fuel Your Food Truck Dreams with Customized Financing

Navigating the road to success as a food truck owner can be daunting, but with the right financing, dreams become achievable. The SBA 7(a) loan is the premier option, offering exceptional flexibility and terms tailored to your specific needs.Whether launching a new venture, upgrading to a state - of - the - art vehicle, or expanding your customer base, this program is designed to ignite growth and keep your wheels turning year - round.

Food Truck Business Loans


Key Benefits of SBA 7(a) Loans for Food Truck Businesses

SBA 7(a) loans provide food truck businesses with adaptable financing options, allowing for equipment purchases, inventory acquisition, and operational expansion alongside favorable repayment terms. These loans also feature lower interest rates, helping entrepreneurs effectively manage costs while promoting business growth.

Generous Repayment Terms

SBA 7(a) loans offer repayment terms up to 10 years for general needs and up to 25 years for real estate. Loans under 15 years have no prepayment penalties, while loans over 15 years incur penalties only in the first three years: 5% in year one, 3% in year two, and 1% in year three. Afterward, loans can be repaid without penalties, providing greater financial flexibility.

Affordable Interest Rates

Government-backed guarantees enable SBA 7(a) loans to offer competitive interest rates, often lower than traditional business financing options.

Low Initial Investment

The SBA’s backing allows small business owners to secure funding with lower down payments, ranging up to 20% of the total project cost but as low as 0% in certain cases.

Versatile Use of Funds

Use the funds to purchase a new truck, improve branding and social media presence, or manage seasonal fluctuations effectively.



What Can SBA 7(a) Do for Your Food Truck Business?

SBA 7(a) loans empower food truck owners to invest strategically in the areas that drive growth, customer loyalty, and operational efficiency.


Vehicle Purchase & Customization

Acquire a reliable truck and customize it with modern kitchen equipment and branding elements that stand out in any location.

Equipment & Supplies

Upgrade to energy-efficient appliances or stock up on seasonal supplies to meet customer demand and lower operational costs.

Real Estate for Commissary Space

Secure a commissary kitchen to streamline ingredient prep, improve inventory management, and maintain health compliance.

Working Capital

Handle recurring expenses like permits, payroll, and fuel while investing in advertising to draw in more customers during peak seasons.

Debt Refinancing

Refinance existing loans to consolidate payments at lower rates, freeing up cash flow for promotional events and seasonal campaigns.

Solutions for Every Stage of Your Food Truck Business

Our SBA 7(a) loans are designed to support food truck owners throughout their careers, whether you're starting a new venture, growing your operations, or preparing for retirement.