Food Truck Loans in San Jose
Capital sized for mobile food businesses, including first time operators.
- 24-hour funding on working capital files.
- 75+ lenders — banks, SBA, fintech.
- No upfront broker fees — paid by the lender at funding.
How San Jose food truck operators get funded
Food trucks finance the same things every food business finances, including equipment, build out, and working capital, but in a smaller envelope and with a more mobile collateral story. We finance new and used food trucks across San Jose, plus the equipment and working capital that make them operate.
San Jose's food truck scene runs Downtown lunch service, festival circuits along the Silicon Valley, and ski resort rotations in winter, creating year round demand for mobile operators.
Common capital uses
$60K-$150K new and used trucks, 100% financing possible.
Generators, fryers, refrigeration, POS.
Ingredient inventory, fuel, event fees.
Scaling from one truck to a small fleet.
Qualification requirements
- Owner FICO 600+ for equipment financing
- 3+ months in business for working capital
- Active food service license and health permits
Real San Jose examples
A Downtown San Jose operator finances an $85K custom built taco truck over 60 months.
A growing operator finances a second $90K truck over 60 months.
A West Valley truck owner finances a $12K commercial generator over 36 months.
