Financing Options

Bad Credit Loans

A low credit score doesn't automatically rule you out of financing a food truck. Some of our lender partners look past your FICO score and focus on how your business is actually performing the cash flow, revenue, and potential instead of treating credit as the deciding factor.

Bad Credit Loans

How Lenders Work Around Bad Credit

Revenue-Based Financing

Some lenders base approval more on your monthly revenue than your credit history, which helps if your score doesn't reflect how your business is really doing.

Collateral-Backed Options

The truck itself can sometimes secure the loan, which lowers the risk for the lender and can open up options that wouldn't be available otherwise.

Guidance Through the Process

Figuring out which lenders fit your situation isn't always obvious. We walk you through the matching process so you're not guessing which option makes sense.

How It Works

1

Share your credit and business situation.

No hard credit check involved at this stage.

2

Get matched with lenders who work with your credit profile.

Not every lender we work with treats bad credit the same way, so matching matters.

3

Review what's offered and decide.

Nothing is final until you choose to move forward with a lender.

Frequently Asked Questions

It varies by lender. Some of our partners work with scores well below what a traditional bank would accept, especially if your revenue is strong.
No. Getting matched with lenders doesn't involve a hard credit pull. That would only happen later, directly with a lender you choose to move forward with.
It means the truck you're financing (or already own) can secure the loan. This reduces the lender's risk and can make approval more likely for borrowers with lower credit.
Possibly. Some lenders weigh business revenue and cash flow more than a traditional credit history, especially for newer owners.
No. Getting matched with lender options is free, whether or not you move forward.

Not Sure Where You Stand?

Talk it through with someone who understands how bad credit financing actually works in this industry.

Speak With an Advisor