Finance directly with us — no bank in the middle
- No credit checks
- Decisions same day
- 12, 24 or 36 month plans
- Application takes about 5 minutes
- Down payment reserves your build slot
Financing
Five ways to finance your project
Finance directly with Food Trailer Pros or apply with one of our lending partners — pick the one that fits where your business is today.
How it works
1
Get your quote
Size and equipment → PDF with cash price and in-house plans.
2
Choose financing
In-house or a partner. Send us the approval letter if you go with a partner.
3
Reserve your build
Your down payment or deposit locks your slot in production.
4
Pick up or deliver
Final walkthrough in Ennis, TX, or delivery arranged to you.
Pick your option
Instant decision, up to $30,000
- Instant decision — answer in minutes
- Approvals up to $30,000
- Lease to own
- Easy online application
- Options for lower credit scores
- Good fit for new businesses
One application, shopped to several lenders
- Dedicated Food Trailer Pros application
- One form, multiple lending programs
- Good second option if another lender said no
Loan options for every stage of your business
- Equipment loans, term loans, lines of credit, SBA
- Working capital to open and operate
- Soft credit pull — no hit to your credit
- Lease to own options
- Minimum FICO 575 (established) · 640 (start-ups)
- Loan options from $5,000
Longer terms for established businesses
- Traditional equipment financing
- Application through our Food Trailer Pros form
- Lower monthly payment on longer terms
Food Trailer Financing — Frequently Asked Questions
Do you really finance food trailers in-house?
Yes. Food Trailer Pros is both the manufacturer and the lender. We carry the financing on the trailers we build — no outside bank is involved.
Do I need perfect credit to qualify?
No. We don't approve buyers the way a bank does. Approval is based primarily on your down payment and your ability to make weekly payments. We accept ITIN applicants.
How much is the down payment?
It depends on the size and equipment of your trailer. Your written quote shows the exact down payment for your specific build, along with weekly payment options for all three terms. The down payment is what secures your slot in our production schedule.
What financing terms do you offer?
12, 24, or 36 months, all with weekly payments. Shorter terms mean a higher weekly payment but a lower total cost; longer terms protect your weekly cash flow. Your quote shows all three side by side.
Why weekly payments instead of monthly?
Because food businesses earn weekly. A smaller payment every week is far easier to manage from daily sales than one large payment every month.
Can I pay off my trailer early?
Yes, at any time — and we offer a discount for paying off early. When your balance is paid, the title transfers to you.
Who holds the title while I'm making payments?
Food Trailer Pros remains the lienholder during the financing term — standard for any financed vehicle. You operate the trailer freely from day one, and the title transfers to your name with your final payment.
Do you finance trailers you didn't build?
No. We finance the trailers we manufacture. That's exactly why we can say yes when banks say no — we know precisely what the asset is worth, because we built it.
Can I get financing if I live outside of Texas?
We work with buyers across the United States and deliver nationwide. Contact us with your state and we'll walk you through financing and delivery for your location.
How long does the whole process take?
The application takes about 5 minutes and we respond quickly with your quote. Once you're approved and your down payment is in, your trailer enters the production schedule — your sales rep will give you the current build timeline for your spec.
Ready to Get Rolling?
The application takes about 5 minutes and doesn't obligate you to anything. You'll get a real quote, with real numbers, from the people who will actually build your trailer.