We're here for the businesses that pull up, set up and sell

The Money Truck exists for Australians who earn a living on wheels: food trucks and coffee vans, couriers and owner-drivers, mobile mechanics and tradies, market stallholders, pop-up shops, and the festival and event traders who follow the season around the country.

Why a finance site just for mobile businesses?

Because the usual lending conversation doesn't always fit. A mobile business might have no shopfront, takings that arrive in big lumps after a weekend festival, a quiet winter, and a kitchen bolted into a vehicle. On paper, that can look unusual. In real life, it's a normal, hard-working business with a clear rhythm.

We think the people assessing your enquiry should understand that rhythm: why site fees are due months before the event, why a coffee round dips in the school holidays, why a fit-out gets paid in stages and why a courier's van being off the road is an emergency. Our guides, calculator and pages are written with that in mind.

What we help fund

• The rig — food trucks, coffee vans, courier vans, trailers, fit-outs, generators and gear.
• The business — from market stalls and pop-ups to mobile mechanics, caterers, groomers and ice cream vans.
• The timing — event-season cash flow, site fees, Christmas stock, the quiet months, breakdowns and BAS bills.

Unsecured, cash-flow and line-of-credit options for trading businesses, typically $5,000 to $500,000, sized on turnover and bank statements. Property-secured business loans from $20,000 to $5,000,000 — first mortgages, second mortgages and caveat loans over residential or commercial property. Bad credit and ATO debt considered case by case. Business purposes only. We never publish interest rates, because every facility is priced on the business's own situation.

The promises we make

In plain words: asking us what's possible won't touch your credit file. Your details won't be fired off to a crowd of lenders who all ring you at once. And a real person reads what you've told us and calls you back to talk it through. The one thing we ask in return is that you fill in the enquiry form accurately — the amount, what it's for, your state and whether you own property — so we can match you properly the first time.

How we work

You tell us what you need in a short online enquiry. A specialist reviews it, rings you to understand the full picture — your season, your security, your plans — and explains the options that realistically fit. There's no obligation to go ahead. If you do, we'll tell you exactly what documents are needed, and only then does a credit check come into it. You can read the step-by-step version on our how it works page.

Tools and guides, free to use

The truck-stop calculator adds up a vehicle, fit-out and gear, shows your funding need and stake, tests the repayment against a normal and a quiet week, and maps event season month by month. Our guides cover the practical side of running a mobile business — permits, food safety, tax on a new van, casual staff and whether a festival is worth the fee — with official sources linked.

Who runs The Money Truck

The Money Truck is run by the operators of The Money Truck. The information on this site is general in nature; every application is assessed on its own facts.

Prefer to talk? Call 03 8538 1446, or start your 60-second enquiry.