FOOD TRUCK SBA BUSINESS PLAN
A food truck-specific SBA business plan with mobile revenue modeling, commissary kitchen costs, permit documentation, and seasonal cash flow projections.
Food truck-specific financials including mobile revenue, commissary costs, and permit documentation. Same day.
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Food truck SBA loans require financial projections that account for the unique revenue model of a mobile food business — including location variability, event-based revenue spikes, commissary kitchen costs, and the seasonal nature of outdoor food service. A plan that treats a food truck like a brick-and-mortar restaurant will be rejected because the lender will immediately recognize that the cost structure and revenue model are fundamentally different.
Food truck-specific Executive Summary
Mobile revenue modeling by location and event type
Commissary kitchen cost analysis
Vehicle purchase and equipment depreciation
Permit and licensing documentation by city
Seasonal revenue and cash flow projections
Food cost percentage modeling (target 28-35%)
5-Year P&L, Balance Sheet, and Cash Flow
DSCR calculation for SBA 7(a) compliance
Use of Funds (truck, equipment, permits, working capital)
Yes. SBA 7(a) loans can be used to purchase a food truck, commercial kitchen equipment, and cover initial working capital. Loan amounts typically range from $50,000 to $250,000 for food truck startups.
Most cities require food trucks to operate out of a licensed commissary kitchen for food prep and cleaning. Lenders will want to see a commissary agreement or a plan for commissary access as part of your business plan.
We model revenue based on your planned locations, average transaction size, daily covers, and event bookings. We also account for seasonal fluctuations and the ramp-up period as you build your customer base.