Food Truck & Food Van Finance

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Food Truck, Coffee Van & Catering Trailer Finance

Buying a food truck, coffee van or catering trailer? LoanBrix helps business owners explore finance for eligible mobile hospitality vehicles and equipment, with a Melbourne-based team and enquiries welcome across Australia.

Whether you are starting your first mobile food business or adding another vehicle, we can review the purchase, your business circumstances and potential lender options before you apply.

A food truck purchase can involve more than the vehicle itself. The kitchen fit-out, refrigeration, coffee equipment and conversion work may need to be assessed separately. Tell us what is included in the price so we can investigate an appropriate finance structure.

Already found a vehicle? Have its price, year, seller details and any fit-out quote handy. Finance availability depends on the asset, lender criteria and your ability to meet repayments.

Discuss food truck finance

Finance for Your Mobile Food Business

A fitted-out food truck is a different purchase from a standard delivery vehicle. We consider the vehicle, equipment and business together when exploring potential finance options.

Compare Options for Your Purchase

Instead of approaching lenders without knowing whether they accept the asset, speak with us about what you plan to buy. We can review relevant options from our lender panel and explain the information an application may need.

Separate the Vehicle and Kitchen Costs

Ask the seller or builder for an itemised quote showing the vehicle, installed kitchen, refrigeration and other equipment. A lender may accept some items together, require separate funding or exclude particular costs. Confirm the proposed arrangement before paying a non-refundable deposit.

Plan for a New or Growing Business

A new ABN alone does not establish eligibility. Available options can depend on trading history, relevant experience, income evidence, credit profile and the purchase. Established operators can also discuss replacing a van or adding another food truck.

Understand the Complete Offer

We can explain the proposed repayments, fees, deposit and any larger final payment. Keep a separate budget for stock, staffing, insurance and other running costs; these are not automatically included in vehicle finance.

What Are You Buying?

Food trucks: purpose-built or converted vehicles with a mobile kitchen.
Coffee vans: vehicles with installed coffee and service equipment.
Catering trailers: towable food and beverage setups.
Used vehicles: assess age, condition, fit-out and seller information before committing.
Equipment: ask whether eligible kitchen items can be included or need separate finance.

These are purchases we can discuss, not a guarantee that every vehicle or fit-out can be financed. For separate machinery and appliances, explore our equipment finance service.

Discuss food truck finance

Book a Time

How Food Truck Finance Works

1. Tell Us About Your Purchase

Share the vehicle or trailer details, price, seller and any separate kitchen fit-out quote. Tell us about your business and proposed start date.

2. Explore Potential Lender Options

We review your circumstances and the assets involved to identify which lenders and finance structures may be worth considering.

3. Prepare the Application

We explain the required business, financial and purchase documents, then help prepare the application when you decide to proceed.

4. Review the Offer and Conditions

If approved, review the amount financed, fees, loan term, repayments and any final payment. Check conditions relating to the vehicle and fit-out.

5. Arrange Settlement

Once the lender requirements are met and documents signed, settlement can be arranged. Confirm any separate builder or equipment payments before committing to them.

Compare Food Truck Finance Options

The right arrangement depends on the asset, your business and the lender. We can explain potential structures, compare their costs and help you understand the proposed terms before you decide.

Business Vehicle Finance

An eligible food truck or van may be financed through a business vehicle loan. A chattel mortgage is one structure in which your business buys the asset and the lender takes security over it. Ask about repayments, any guarantees and what happens if you cannot meet the agreement.

Equipment Finance

Kitchen appliances and other eligible equipment may need a separate facility, particularly where they are supplied independently of the vehicle. Provide the equipment specifications, supplier quote and installation details so the proposed funding can be assessed.

Alternative Documentation

Some applications may be considered using alternative financial evidence. The lender still assesses your circumstances, ability to repay and the asset. The documents required can differ between businesses and lenders.

Lease or Buy?

If leasing is being considered, check who owns the asset, whether modifications are permitted and your end-of-term obligations. Compare the complete agreement with a purchase funded by a loan. See business.gov.au’s guide to leasing or buying.

Not every structure is available for every vehicle or fit-out. Ask your accountant or registered tax adviser about GST and tax treatment for your particular arrangement.

Food Truck Finance Costs and Documents

There is no single rate or repayment for every food truck purchase. Ask for a quote based on your business, the asset and the amount you need, then compare offers using the same purchase price, deposit and term.

What to compare	What to check
Amount financed	Confirm which vehicle, fit-out and equipment costs are included, and what you must pay separately.
Interest and fees	Check the quoted rate, establishment or broker fees, ongoing charges and early repayment conditions.
Term and repayments	Check affordability alongside your operating expenses. A smaller repayment alone does not show the full cost.
Balloon or residual	A larger final payment may reduce regular payments but leaves an amount to pay at the end.
Total cost and security	Include scheduled payments, fees and any final payment. Understand the lender’s security and guarantee requirements.

For general comparison guidance, see business.gov.au’s business loan guide.

What to Prepare

Vehicle or trailer make, model, year, purchase price and seller details.
An itemised quote separating the vehicle, kitchen fit-out and equipment.
Your ABN, business structure and trading history.
Available income and business records, such as financial statements, BAS or bank statements.
Existing debts, proposed deposit and relevant operating expenses.
For a new venture, information about experience, expected revenue and the business plan where requested.

Your broker will confirm the exact documents for the proposed application. Finance approval does not replace any separate registration, food-business or trading requirements; check these with the relevant authorities before operating.

Helpful Business Vehicle Finance Guides

Explore related information while planning your purchase. These guides explain broader vehicle and equipment finance; ask us how their principles apply to your specific food truck or coffee van.

Buying With a New ABN?

Our new-business truck guide explains how trading history, industry experience and supporting evidence can affect an application.

Read the new-business truck finance guide

Need a Different Business Vehicle?

Buying a delivery truck or another commercial vehicle instead of a mobile kitchen? Explore our broader truck finance service.

Explore commercial truck finance

Financing Kitchen Equipment Separately?

Find out how equipment finance can work for business machinery and appliances, including when assets need a separate assessment.

Read our equipment finance guide

Discuss Your Food Truck Purchase

Tell us what you want to buy, its approximate price, whether it is new or used, and whether the fit-out is included. Include your business stage and preferred timing so our team can discuss the next steps.

Please do not send identity documents or bank statements through this initial enquiry form.

General information only. Finance availability, rates, fees and terms depend on the lender, asset and applicant. Applications are subject to lender assessment and approval. Tax matters should be discussed with a qualified adviser.

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Can I finance the kitchen fit-out as well as the food truck?

Potentially. Whether the kitchen fit-out and vehicle can be included in one facility depends on the lender, asset and invoices. Ask for an itemised quote separating the vehicle, installed equipment and conversion work. Tell us whether the fit-out is complete or still being built so we can investigate the options.

Can I get food truck finance with a new ABN?

A new business may have options, but approval is not automatic. Lenders may consider relevant experience, available income evidence, your financial position, the vehicle and how the business expects to generate revenue. A deposit or other support may be required. Discuss the proposal before committing to a purchase.

Is low-doc food truck finance available?

Possibly, depending on your circumstances and lender requirements. Low-doc finance means a lender may accept alternative supporting information rather than a full set of financial statements. It does not mean no assessment or guaranteed approval. Bank statements, BAS and other business records may still be required.

Can I finance a used food truck or private sale?

Finance may be available for an eligible used food truck, coffee van or trailer bought privately. Lenders can require vehicle details, evidence of ownership and information about the seller and fit-out. Confirm the finance conditions and arrange appropriate independent inspections before paying for the vehicle.

Do I need a deposit or a balloon payment?

Deposit requirements vary by lender, business circumstances and asset. A deposit reduces the amount borrowed but does not guarantee approval. If you are considering a balloon payment, compare the complete cost and plan how you would meet that final amount rather than assuming you can refinance it.

Can I finance a coffee van or catering trailer?

These are purchases we can investigate. The vehicle or trailer, installed equipment, seller and your business position all affect the available options. Send the quote and asset details so we can discuss the assessment required.

How long does food truck finance take?

Timing depends on the lender, documents, seller and complexity of the fit-out. A ready-built vehicle may involve different steps from a custom conversion. Ask about expected timing and outstanding approval conditions before agreeing to a delivery or trading date.

Does vehicle finance cover stock and running costs?

Do not assume it does. Vehicle or equipment finance is tied to the eligible purchase. Stock, wages, permits, insurance and other operating expenses need their own budget. If you also need working capital, discuss that requirement separately with us.

Food Truck Finance FAQs

Access to a Broad Lender Panel

We compare relevant options from our lender panel based on your business and the purchase. Available lenders vary by asset and application.

Support From Enquiry to Settlement

Discuss your purchase with our Melbourne-based team. We can explain the next steps and guide you through the application process.

MFAA Member Since 2009

LoanBrix has been a member of the Mortgage & Finance Association of Australia since 2009. Meet our team.

Food Truck Finance in Melbourne.