Food Truck Financing Canada (2025)

Launch or expand without draining cash

Building a food truck means paying for the chassis/trailer, hood and fire suppression, electrical/plumbing, generators, refrigeration, POS, and a wrap—before day one of sales. Mehmi sells equipment directly and structures food truck financing so you can build out, staff, and market while preserving working capital. Start with equipment financing and price scenarios in minutes with the calculator.

What we finance

Truck chassis or trailer, hood & make-up air, fire suppression, fryers/griddles/ovens, refrigeration and prep, sinks and plumbing, generators, POS/IT, small-wares bundles, commissary add-ons, signage/wraps, and initial inventory. See Eligible Equipment. If you’re shopping vehicles, browse our inventory.

Financing options (pick what matches your cash flow)

Private sale? We can secure title/lien with Conditional Sales Contracts. Unique file or startup? Ask about In-House Financing.

Include soft costs so cash stays on the truck

Most approvals can roll installation, electrical/plumbing, hood and fire suppression, permits/engineering, freight/rigging, POS software, staff training, and the exterior wrap into loans or leases—reducing launch friction.

What moves approvals in 2025

• Time in business & credit depth: Established operators earn longer terms and sharper pricing; startups can qualify with a sensible contribution and route/event plan via In-House Financing.
  
  
• Build sheet & phasing: Clear quotes and a staged schedule pair well with an E-LOC.
  
  
• Revenue plan: Service window, daily stops, event bookings, delivery platforms, and expected AOV help de-risk.
  
  
• Liquidity buffer: Add Working Capital to cover initial inventory, fuel, and staffing.
  
  

5-minute modeling workflow

1. Open the calculator with your full project cost (roll soft costs in).
   
   
2. Compare a 60 vs 72-month loan to balance total interest vs monthly comfort.
   
   
3. Run a lease with a modest buyout (~10%) for POS/IT or refrigeration.
   
   
4. If delivery is phased, price an E-LOC so you only draw as components arrive.
   
   
5. Already own a trailer or truck? Compare a sale-leaseback to fund the build-out.
   
   

Documentation for a 24–48h decision

Government ID, void cheque, incorporation/HST; last 3–6 months bank statements (personal if startup); equipment/build-out quotes and schedule; insurance broker contact and target bind date; short route/event plan. Send via Contact Us.

Case study: build-out funded, launch on schedule

A GTA operator converted a step-van with hood/suppression, fryers, refrigeration, POS, generator, and a full wrap. We blended a loan for the chassis and hood package with a lease for POS/refrigeration (10% buyouts), rolled soft costs into both, and held an E-LOC for final wrap and signage. Funding cleared in 7 business days; cash preserved for staffing and opening inventory.

FAQs

Can you finance both the truck and kitchen build-out?
Yes—truck/trailer plus kitchen and soft costs can be combined, subject to credit and asset review.

Do you finance used units and private sales?
Often yes; we secure title with Conditional Sales Contracts.

Is leasing cheaper than a loan?
Leasing usually lowers the monthly via a residual; loans may minimize total interest if you’ll hold long term. Test both in the calculator.

I’m a startup—can I qualify?
Frequently—with a realistic contribution, clean banking, and a route/event plan. See In-House Financing.

Can I add working cash for inventory and marketing?
Yes—pair with Working Capital or ABL.

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Mehmi sells equipment directly and can finance it on terms aligned to your seasonality and launch plan. Feel free to contact our credit analysts.