Spread the cost of food truck from £15,000 to £90,000+ with flexible finance options. HP, lease, or refinance;
Yes, food trucks are financed as a standard asset purchase, usually on hire purchase or a lease, with the machine itself acting as the security. UK prices typically run £15,000 to £90,000, and most deals are written over 24–72 months with a deposit of around 10–20%. Decisions typically take 24–48 hours. Used machines are financeable too, usually with a shorter term.
Typical Cost
£15k – £90k
Approval Speed
24–48 hours
Same-day for < £50k
Rates From
7.3% APR
Your estimate
Indicative only. Not a quote and not an offer of finance.
Pre-filled with a typical food truck price. Indicative only, not a quote.
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For UK limited companies with 3+ months’ trading and monthly revenue.
On a purchase price of £45,000: a 10% deposit of £4,500, then 48 monthly payments of £949 at 5.9% APR representative (fixed). Total amount payable £50,052, including the deposit. The rate you are offered depends on your business and the asset.
Guide prices for sizing a finance agreement, not quotes. Manufacturers in this market mostly price on application, so where a current UK list price could not be confirmed the row describes a specification class rather than naming a model. Your supplier quote is what the agreement is written against.
| Machine or specification | Guide price | Type |
|---|---|---|
| Converted catering van, compact | £15,000 – £30,000 | Compact Food Truck |
| Custom-built food truck, Sprinter-based | £35,000 – £60,000 | Custom-Built Food Truck |
| Premium fully-equipped food truck | £60,000 – £90,000 | Premium Food Truck |
Explore business funding options through Fundably
For UK limited companies with 3+ months’ trading and monthly revenue.
Food truck equipment qualifies for Annual Investment Allowance (AIA), letting you deduct the full cost from taxable profits in year one, up to £1,000,000. HP allows capital allowances. Lease payments are fully deductible against profit.
Food truck buyers range from a first-time operator converting a single van to established caterers commissioning a bespoke build with full commercial kitchen equipment inside. Because a food truck is a registered vehicle as well as a kitchen, it depreciates like a vehicle even though it is also fitted out like a kitchen, which is a combination lenders assess carefully. Most operators finance a food truck rather than buy outright, since the build cost of a well-equipped truck is a large share of a new street-food or events business's total start-up capital, and cash is usually needed elsewhere for stock, permits, and pitch fees.
Some specialist lenders consider businesses with imperfect credit histories. You may need a larger deposit or personal guarantee, but options may be available. Fundably may use a soft credit check for matching, which does not affect your credit score. A hard check may happen if you choose to proceed with a lender.
Explore business funding options through Fundably.
For UK limited companies with 3+ months’ trading and monthly revenue.
Explore business funding options through Fundably.
Check Eligibility →For UK limited companies with at least 3 months’ trading and monthly revenue.