Food Truck and Trailer Financing in North Carolina
Mobile foodservice is one of the fastest-growing segments in North Carolina, and it’s also one of the hardest to finance through a traditional bank. We make it straightforward. Whether you’re buying a custom-wrapped truck for the Wilmington brewery district, a concession trailer for the Asheville festival circuit, or a ghost-kitchen build for delivery in Raleigh, we structure the funding so you can move at the speed of the food scene.
We finance the full range of mobile units: food trucks, concession trailers, mobile or ghost kitchens, and the soft costs that always come with them. Generators, fire suppression, delivery, registration, and even the wrap can roll into a single finance agreement. One payment instead of five. It’s part of how we deliver fast restaurant financing across North Carolina for every kind of operator, from a first truck to a growing fleet.
Custom Builds, Used Units, and Auction Buys
Custom builds are where most financing falls apart. The manufacturer wants a deposit. They want progress payments along the way. The truck takes four months. We line up the deposit upfront and structure the progress draws so you’re not chasing capital at every milestone.
Used trucks, older units, and private-seller buys are equally welcome. Standard dealer financing often caps you at five-year-old equipment from approved sellers. We’re vendor-agnostic. Get approved once, then buy from any restaurant-equipment dealer, an auction in Charlotte, or a private operator selling their trailer outside Greenville.
All Credit Tiers — Including Startups and Prior Bankruptcy
Approval access is the headline. We work with prime credit, mid-tier, startups, and operators with a prior Chapter 7 or 13 bankruptcy. Lower credit profiles typically require a larger down payment in exchange for approval. We tell you that upfront, so you can plan around it instead of finding out at the closing table.
How Fast Will I Be Funded?
Pre-qualification is about 60 seconds — a phone call or a short form. From there, equipment deals close on direct DocuSign and are often funded in under a week. Custom builds follow the manufacturer’s schedule, but the financing piece won’t be your bottleneck.
What You Can Finance
- Food trucks — new builds, used trucks, private-seller buys, auction units
- Concession and food trailers — single- or double-axle, any size
- Ghost and mobile kitchens — commissary builds, dark kitchens, virtual brands
- Soft costs — vinyl wraps, Cummins Onan generators, fire suppression, delivery, registration
- Custom-build deposits — manufacturer-deposit funding and milestone draws
If it goes on, in, or under your truck, it can probably be funded.