Food trucks · coffee vans · couriers · stalls · pop-ups
Money that keeps your business rolling
Finance for Aussie businesses on wheels: the truck or van, the fit-out, the gear and the cash to get through event season. One 60-second enquiry, no credit check to ask, and a real person who knows how mobile traders earn.
- $5k – $5m
- No credit check to enquire
- No spray-and-pray
The fine print, in big print
No credit check to enquire
Asking what's possible leaves your credit file alone. A credit check only comes up once you choose to go ahead.
No spray-and-pray
Your details don't get flung at a crowd of lenders. We match your situation properly, so your phone won't melt.
A real person on your file
Someone who gets how mobile businesses earn reads your enquiry and calls you. Honest answers on the form mean the right fit first time.
Truck-stop calculator
How much rig are you really funding?
Most people price the truck and forget the rest. Add the fit-out, take off what you're putting in, and you'll see the number a lender actually looks at.
- Your stake (cash, trade-in or equity) changes the options open to you.
- Fit-outs, generators and opening stock count as part of the project.
- The full calculator adds a weekly cash-flow check and an event-season planner.
Pick your rig
What does your business roll in on?
Tap your type of business for the pages written for you.
Food trucks and kitchen trailers
The truck, the kitchen inside it and the stock to open the hatch. Lenders look at what the rig costs, what you're putting in and how the business earns (or will earn) across the year.
Mobile coffee vans and carts
A coffee van lives or dies on its machine, grinder, water and power set-up. Fund the van and the gear together, and plan for the mornings that get rained out.
Couriers and owner-drivers
Your van is your income. Whether it's a first van, an upgrade or a second vehicle for a driver, the question is how the repayments sit against the contract work you've got.
Tradies' utes and vans
Canopies, drawers, racking and the tools that live in them. A proper fit-out saves hours every week, and funding it doesn't have to drain the job account.
Market stalls
Gazebo, stock, card reader and a van to haul it all. Stall businesses often earn in cash-heavy bursts, so clean records make a big difference when you ask for money.
Pop-up shops and short leases
A pop-up is a fast test with real costs: fit-out you'll pull out again, stock, a short lease and marketing. Funding needs to match the short runway.
Festival and event traders
Site fees due months ahead, stock bought before the gates open and takings that land all at once. Event season is a cash-timing puzzle more than a profit problem.
Mobile mechanics and service vans
Diagnostic gear, a fitted-out service vehicle and parts on hand. Growing from one van to two is where most mobile service businesses need a hand with funding.
How it works
Order at the window. We'll handle the kitchen.
- 1
Tell us about your rig
About 60 seconds online: what you need, what it's for, your state and how the business trades. No credit check to enquire.
- 2
A real person calls
A specialist reads your enquiry and rings to fill in the gaps — your season, your security, what you've got in the bank.
- 3
Options that fit
Secured or unsecured, how the repayments sit against your takings and what paperwork each option needs. No pressure.
- 4
Keys and cash
Once you decide to go ahead and it's approved, funds go to you or straight to the seller, builder or supplier.
Heard at the markets
Things traders get told, and what's actually true
Myth“No shopfront, no loan.”
ActuallyLenders care about how a business earns, not whether it has a front door. A mobile business with steady deposits and tidy records can be assessed on its turnover and bank statements like any other trader.
Myth“Just asking will hurt my credit score.”
ActuallyEnquiring with us involves no credit check. It only comes up later, if you decide you want to go ahead with an option.
Myth“One quiet winter makes me unfundable.”
ActuallySeasonal takings are normal for outdoor traders. A good assessment looks across the whole year, and it helps to explain your season upfront so it reads as a pattern, not a problem.
Myth“The bank said no, so that's the end of it.”
ActuallyBanks are only one door. Non-bank options exist, and bad credit or ATO debt is looked at case by case rather than as an automatic no.
The trader's year
Busy months pay for quiet ones — if the timing works
For plenty of outdoor traders, the money arrives in summer but the bills arrive in spring: site fees, stock, staff and repairs before the first big weekend. Then winter asks you to cover the van, the insurance and the loan with half the bookings.
That's a timing problem, not a failing business. Our cash-flow pages and the event-season planner help you see the dip coming and fund it on your terms.
Illustrative pattern for an outdoor trader in the southern states. Your season will differ — tropical north, winter festivals and indoor markets all shift the curve.
Guides
Straight answers for mobile traders
Permits, food safety, tax on a new van, casual staff and the maths on whether a festival is worth the fee. New guides land every week.
Food Truck Permits in Australia: NSW, VIC and QLD
How food truck permits work in NSW, Victoria and Queensland: home councils, FoodTrader, statewide licences and what to sort out before you build.
Food Safety Supervisor Rules for Food Trucks and Stalls
Does your food truck or stall need a food safety supervisor? Standard 3.2.2A categories, training and record rules for mobile food businesses, explained.
Is a Festival Worth It? Stall Fee Break-Even Maths
Before paying a festival site fee, run the break-even maths: realistic serves, margin, fees, staff and travel. A step-by-step method with an example.
Buying a Work Van: GST, Car Limit and $20k Write-Off
Buying a work van, ute or food truck? How GST credits, the 2026–27 car limit, the permanent $20,000 instant asset write-off and fuel tax credits apply.
Hiring Casuals for Event Season: Pay, Super and Rosters
Hiring casuals for festival and market season? What makes someone casual, how Payday Super changes cash flow from July 2026, and how to budget a roster.
Market Stall Tax: ABN, GST and Records That Count
Running a market stall? When you need an ABN, when GST registration kicks in, what records the ATO expects, and why clean records make funding easier.
Questions
What mobile traders ask us first
Can I get finance for a food truck if the business is brand new?
Sometimes. With no trading history, lenders lean on other comfort — usually a bigger contribution from you or property you own. Once a mobile business has been trading for a while with regular deposits, unsecured options sized on turnover and bank statements can open up. We look at each situation individually.
Does enquiring affect my credit score?
No. There's no credit check when you first enquire. A credit check is only discussed once you've chosen an option and decided to go ahead.
How much can a mobile business borrow?
Unsecured, cash-flow and line-of-credit options for trading businesses typically run from $5,000 to $500,000, sized on turnover and bank statements. If you own residential or commercial property, property-secured business loans run from $20,000 to $5,000,000.
Can the fit-out and gear be funded along with the vehicle?
Often, yes. The vehicle, the kitchen or shelving fit-out, machines, generators and some opening stock can be looked at as one project, depending on the option that suits you. The truck-stop calculator helps you add it all up first.
Why don't you publish interest rates?
Because every loan is priced on the business's own circumstances — the amount, the security, the trading history and the term. A published rate would be wrong for most people. We'd rather look at your situation and give you real numbers.
What if I have bad credit or owe the ATO?
Tell us upfront. Bad credit and ATO debt are considered case by case, and being honest on the form means we can point you to the right option instead of wasting your time.
Will my details be sent to a stack of lenders?
No. We don't spray enquiries around. A real person reviews your situation and matches it carefully, so you won't be flooded with calls.
Can I use the money for personal things?
No — it's business finance only. Vehicles, fit-outs, equipment, stock, site fees, tax bills and working capital for the business all qualify as business purposes.
Ready to see what your rig could qualify for?
One short enquiry, no credit check to ask, and a real person who calls you back. Fill it in accurately and we'll match you properly the first time.
No credit check to enquire
No spray-and-pray
A real person on your file