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Food truck financial projections for your loan or investor, done today.

Service days, orders a day and the truck loan go in. Monthly cash flow, 5-year profit and loss and DSCR come out, in the shape a lender reads.

  • Laid out the way SBA lenders ask: assumptions, year one by month, loan payment, DSCR.
  • Starts as a realistic food truck, so you change what's different about yours instead of starting blank.
  • Plain formulas: click any cell and see where it comes from. Excel and Google Sheets.
Available this week $39 one payment · instant download

What your lender checks, and where it is in the file

Can the business cover the loan payments? Annual · DSCR
Does cash go below zero while sales ramp up? Annual · Lowest cash
What does year one look like month by month? Monthly · months 1-12
Where does the money come from, and where does it go? Sources & Uses
How much are you putting in yourself? Sources & Uses · owner share
What sales do you need to break even? Annual · Break-even
Where did each assumption come from? Assumptions · notes
Can you explain the numbers? plain formulas, no macros

You type the blue cells

  • Sales drivers and prices for your business
  • Who you'll pay and from which month
  • Rent, insurance and other monthly costs
  • Startup costs and the loan terms

The file works out

  • 60 months of profit and loss and cash flow
  • 5-year summary with margins and growth
  • Loan payment, interest and DSCR by year
  • Sources and uses, and break-even

The numbers a food truck forecast is built on

A food truck plan lives or dies on a few honest numbers: how many service days you really get, how many orders a day, and what the truck, commissary and permits cost before you sell anything. This template keeps street service, catering and festivals as separate lines because they behave differently, and shows the cash low point in the first months.

Service days per month
Weather, permits and maintenance mean 18 to 24 real days for most trucks, not 30.
Orders per day and average order
Toast reports average food-truck daily sales around $1,000, with a wide range of about $200 to $2,500.
Food cost %
Commonly 28% to 35% of sales.
Commissary
Most cities require a licensed commissary kitchen for prep and storage; it is a fixed monthly cost.
Events
Catering and festivals pay more per day but carry fees; give them their own direct cost %.
The truck
Used and fitted out, or new; the template depreciates it and finances it with a loan.

Questions

What profit margin do food trucks make?

Reported margins commonly sit around 6% to 15% of sales. Use the Annual sheet's net margin to see where your assumptions land.

Should I pay myself in the plan?

Yes. The owner-operator line in payroll is there so the profit shown is profit after you are paid.

Can I add a second truck?

Increase the orders per day and add a second crew in payroll starting in the month the truck arrives.

Will my lender accept it?

It includes what lenders commonly ask for: assumptions, year one by month, five annual years, the loan payment and DSCR, and sources and uses. Formats vary, so check your lender's list; every sheet is editable.

Does it work in Google Sheets?

Yes. Open the .xlsx in Google Sheets and every formula keeps working. It also works in Excel and LibreOffice.

Is it tax or legal advice?

No. It is a planning tool. Tax is a flat rate on profit; ask your accountant for your real rate.

Food Truck Financial Projections Template

Available this week $39 one payment · instant download

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