Food Trucks
Take your kitchen anywhere.
Fast funding for food trucks businesses in Florida. Apply in 60 seconds.
Why Food Trucks Businesses Need Funding
The real challenges food trucks owners face
Truck Purchase and Customization
A quality food truck costs $75K–$175K new. Custom builds, wraps, and commercial kitchen buildouts inside the truck add $20K–$50K more.
Permits, Licenses, and Health Inspections
Food truck operations require city permits, health department approval, fire inspections, and commissary agreements — each with upfront fees and compliance costs.
Commercial Kitchen Equipment
Generators, fryers, flat tops, refrigeration, and prep equipment inside the truck must meet commercial standards and are not cheap.
Commissary Kitchen Rental
Most cities require food trucks to operate from a licensed commissary kitchen. Monthly commissary fees of $500–$2,000 are a fixed operating cost.
Luma Funding Options for Food Trucks
The right product for the right moment
Equipment Financing
Up to $500K
Finance the truck itself plus commercial kitchen equipment inside.
Learn More →Cash Advance
$5K–$500K
Bridge permits, commissary costs, and pre-launch expenses before revenue begins.
Learn More →I had the concept, the recipes, and the catering contracts lined up. Luma financed the truck so I didn't have to wait 3 more years to save the full purchase price.
Alejandro M.
Latin Fusion Food Truck
Miami, FL
$85K equipment financingaverage cost of a fully equipped food truck
of food truck owners cite startup capital as top barrier
average Luma funding time
FAQ
Questions about funding your food trucks business
Yes. Used food trucks in good operating condition qualify for equipment financing. We may request an inspection for trucks over 5 years old.
Startups with strong pre-launch catering contracts, an established commissary agreement, and solid personal credit may qualify for a smaller advance. Discuss your situation with an advisor.
No, but having one demonstrates that your operation is compliant and ready to operate, which strengthens your application.
Yes. Custom food truck builds from licensed manufacturers qualify for equipment financing. We pay the manufacturer directly upon completion.
Multi-location and event-based food truck operations are fully eligible. We evaluate your total monthly revenue regardless of how many event sites generate it.
Get funded for your food trucks business
Florida's fastest funding for food trucks owners. Apply in 60 seconds.