Funding Built for Food Trucks & Mobile Vendors

Anything the business needs. Mobile vendors use Monera funding to repair or replace a broken-down truck, build out or add a second truck, cover permits and commissary rent, carry the slow-weather months, gear up before festival season, and expand to new markets. You don't have to choose a product up front, you apply once and we match you to the funding you qualify for.

Funding generally ranges from $10,000 to $500,000. The amount you qualify for depends mostly on your monthly revenue and how long you've been in business, not on a single credit score.

Yes, and they're two different tools. Equipment financing covers the truck and its upfit (the cooking line, refrigeration, hood and fire suppression, point-of-sale), often with the equipment itself as collateral. Working capital is the flexible cash for everything that isn't the truck, fuel, food cost, commissary rent, permits, and payroll through a slow stretch. Many operators use both. You apply once and we match you to what fits.

For equipment financing, the truck and its upfit usually serve as the collateral, which often makes approval easier than an unsecured request. The titled, owned truck is the single cleanest equipment-financing fit in the restaurant space, your kitchen is an asset on wheels rather than a build-out on someone else's leased shell. We'll match you based on what you're funding and your revenue.

Yes. Point-of-sale at the service window is exactly how most food trucks earn, and it's no obstacle. Your day-to-day card and app sales are the revenue history we look at. Because there are almost no invoices to collect on, the right tool for most trucks is working capital that smooths the timing and seasonality of sales, not receivables financing.

Approval typically comes within 4 to 8 hours, with funds following shortly after. A breakdown of the engine, generator, or refrigeration can halt all of your revenue at once, so getting rolling again quickly beats a small rate difference. Working capital is built to get the repair done and the truck back on the road before you miss the next event.

Yes, this is one of the most common reasons mobile vendors come to us. Most revenue lands in the warm-weather months and around outdoor festivals, markets, and events, while cold, rain, and snow cut directly into walk-up sales, and northern markets see a deeper winter trough. Spring brings a gear-up spike, permit renewals, commissary deposits, inventory, and maintenance, that lands before the season's revenue arrives. Working capital or a line of credit can carry the slow stretch and pre-fund the ramp.

Yes. Working capital is flexible, so it covers the recurring fixed costs a brick-and-mortar restaurant doesn't split the way you do. In most jurisdictions a mobile unit must report to a commissary or servicing area for water, waste disposal, food storage, and equipment cleaning unless the unit is fully self-contained, and mobile vending is permitted at the state, county, and city level at the same time. Funding can cover that commissary rent and those multi-jurisdiction permit and license fees alongside fuel, food, and payroll.

No. We fund the food-truck business, and we are not a card-processing or point-of-sale company. Mobile vendors get pitched processor-bundled advances tied to card volume constantly. Monera is a separate working-capital partner: our funding goes to your business for its own truck, commissary, permits, payroll, and inventory, independent of whoever processes your payments. When the revenue-based option is used, repayment flexes with your sales, but it is still business funding, not a buyout of your future card receipts arranged through your processor.

Yes. Many trucks run a catering or private-event channel alongside street vending, and that side usually collects a deposit up front and may bill a balance on terms. Working capital can front the food, staff, and inventory a large private booking needs before the event, and a line of credit can buy ahead of a busy run of events. We'll match you based on your actual mix of window sales and bookings.

Yes. Growth is a common use. Equipment financing can cover a second or replacement truck, and working capital can pay for the permits, commissary agreement, and inventory it takes to work a new city or a multi-state festival circuit, then you repay as the new routes start producing. For a larger, planned expansion, an SBA or business term loan may fit when you have time for a more involved process.

Most mobile vendors we fund have been operating for at least 6 months and generate $10,000 or more in monthly revenue, with all credit profiles considered, so a newer but established truck can qualify. To be clear on what we are: we fund your business, not your customers. We do not offer consumer financing for diners and we are not a swap for your payment processor. Checking what you qualify for uses a soft credit pull that won't affect your score, with no obligation.