1.Local Bank or Credit Union

This is a great place to start. If your bank is willing to finance your trailer, you’ll likely get the most favorable rates and terms. That said, not every bank is comfortable with food trailer financing—if yours isn’t, don’t worry. We’re happy to recommend lenders that specialize in this space.

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2.Business Loan

Have a registered business? Many lenders offer business loans based on both your business and personal financials. The longer your business has been operating, the more options you may have—but there are still great solutions for startups too. Talking to a business loan specialist can help you zero in on what works best.

 

3.Lease-to-Own (Up to $30K)

Need a smaller amount of financing? Lease-to-own is a solid option for those looking to borrow $30,000 or less. These programs usually have higher approval rates—even for lower credit scores—and can be a quicker path to ownership.

 

4.Personal Loan

If a business loan isn’t a fit, a personal loan might be. Some lenders offer 100% financing for food trailers, but this option typically requires a credit score of 700 or higher. Still, it’s worth exploring if you’ve got solid credit.