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Food Truck & Mobile Bar Finance

Looking for flexible, low-rate food truck finance? Let us save you time, money and hassle!

FLOW Financial Services

Australia's mobile food scene is booming and we've got the finance to match

Street food is well and truly part of the Australian way of life. Weekend markets, festivals, corporate catering, wedding receptions: bookings for food trucks and mobile bars keep climbing, and operators with a good concept are finding plenty of work. What most people underestimate is what it costs to get on the road in the first place.

A purpose-built food truck or mobile bar is a serious outlay. Add a commercial-grade fit-out, refrigeration, a generator and branding to the build itself and the total can climb well past six figures before you’ve poured a single drink. Very few operators pay for that in cash. Finance is how most mobile businesses get started, and how established ones grow.

FLOW Financial Services specialises in commercial asset finance for mobile food and beverage businesses. It might be a brand-new custom build, a fitted second-hand van, or a premium bar trailer for the events circuit. Our job is to find the loan and the terms that suit your setup, then handle the paperwork so you can concentrate on the build, the menu and the bookings.

Years Experienced
0 +
  • Premium personal service
  • 300+ 5-star google reviews
  • Loan protection packages
  • Easy Online Process
  • Market leading Interest Rates
  • Fast turnaround times
  • High Approval rates
  • Protect your credit score
  • Expert Loan Brokers
  • 40+ Trusted Lenders
  • Tailored Loan Products
  • Flexible Repayment options

Why Choose Us

Launching your first food truck or adding to a fleet, food truck and mobile bar finance is one of our specialties.

Arranging finance for a mobile food business can get complicated quickly, particularly when custom builds, fit-outs or a brand-new ABN are involved.

You might be comparing a chattel mortgage with hire purchase or equipment finance. Or you might have more practical questions: can the fit-out go on the same loan as the vehicle, does buying second-hand change things, and how much does your credit history matter?

We answer these questions every day. FLOW works with a panel of more than 40 lenders, including specialists in commercial vehicle and equipment finance, and we know which lenders suit each scenario. The result is a deal that fits your cash flow, your stage of business and where you want to take it.

SAVE MONEY

Our network of over 40 lenders gives us access to rates and loan structures you won’t always find going direct. Over the life of a food truck or mobile bar loan, that difference can add up to thousands of dollars.

SAVE TIME

We manage the finance process from first conversation to settlement. Rather than juggling multiple lenders and their paperwork yourself, you hand it to us. The applications, the documentation and the follow-up are ours to deal with while you get the business ready to trade.

EXPERT ADVICE

We take the time to understand your situation before recommending anything. Start-up, second-hand purchase, full custom build: each calls for a different lender and a different structure, and we’ll walk you through the reasoning so the decision is an informed one.

STRESS LESS

We speak with lenders before any formal application goes in, so we only proceed with options that are genuinely likely to get approved. That protects your credit file from unnecessary enquiries and makes the whole approval process a lot calmer.
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FAQs

Our Frequently Asked Questions. If you have any further questions, please contact us.

It covers the loan and lease products used to buy a mobile food or beverage vehicle for business purposes. That includes new custom builds, converted vans and trailers, second-hand food trucks and purpose-built mobile bar rigs. Depending on the product, the finance can cover the vehicle, the fit-out, or both together.
Anyone running or planning to run a mobile food or beverage business: sole traders, partnerships, companies and trusts. We work with first-time operators, established businesses upgrading their setup, and multi-vehicle operators growing a fleet.

Get in touch with details of the vehicle you’re looking at and a rough figure for the total cost, including the fit-out if there is one. We’ll ask for some basic documentation, talk through your situation and tell you what’s realistic before anything formal is submitted. From there, we guide you through each step.

Typically identification, recent bank statements, tax returns or BAS lodgements, and details of the asset you’re buying. New operators are sometimes asked for a basic business plan or evidence of bookings and contracts. We’ll tell you exactly what your application needs before you start gathering anything.

Yes. Some lenders prefer an established trading history, but there are specialist products designed for start-up operators. A solid business plan, a reasonable deposit and a clean personal credit profile all help a new business application along. Our brokers know which lenders are open to start-ups and will point your application to them.
Yes, though criteria vary from lender to lender. Most are comfortable with a second-hand vehicle in good condition, subject to age limits, which usually sit around 10 to 12 years at the end of the loan term. Custom builds and heavily modified vehicles sometimes need extra documentation or a valuation. We know which lenders on our panel have experience with non-standard assets and place your application accordingly.
Often, yes. Depending on the lender and the structure, fit-out costs can be bundled into the same facility as the vehicle purchase. Where that isn’t available or doesn’t suit, a separate equipment loan or business loan can cover the fit-out and equipment on its own. We’ll work out which approach makes the most sense for your total budget.
The most common options are chattel mortgage, commercial hire purchase, equipment finance and business loans. Each treats ownership, GST, tax deductibility and repayment flexibility differently. Our brokers will explain what those differences mean in practice and recommend the structure that fits your business and your accounting setup.
Generally one to seven years, depending on the product, the lender and the age of the asset. A shorter term means higher monthly repayments but less interest overall. A longer term eases monthly cash flow but costs more across the life of the loan. We’ll help you model both so you can pick the balance that suits where the business is right now.
Potentially. Depending on the structure, eligible businesses may be able to claim deductions for depreciation, interest charges and vehicle running costs. Under a chattel mortgage, a GST-registered business can generally claim the GST on the purchase price in its next BAS. Tax treatment varies with the structure and your circumstances, so confirm the specifics with your accountant.

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What Our Happy Clients Say About Us

FLOW FS

FLOW is the finance broker that food truck and mobile bar operators trust to get them on the road.

You've got the concept sorted. The finance shouldn't be the thing that holds it up. Talk to our specialists about a loan built around your setup and your cash flow, with competitive rates from a panel of more than 40 lenders. We do the running around, you get back to the build.

Get your Food Truck Finance Today

Let’s protect your credit score and access low rates now!

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Let’s protect your credit score and access low rates now!

Fill out the form below, and we will be in touch shortly.