INDUSTRY SOLUTIONS
Funding Built for Moving & Relocation Companies
Most of your revenue lands in a short warm-weather window, but the trucks, the insurance, the storage, and the crew cost the same all year. We give moving companies fast, flexible working capital to carry the off-season and pre-fund the spring ramp, before the summer money actually arrives.
Soft credit pull, won't affect your score. No obligation.
Funding Amounts
$10,000 – $500,000
Approval Speed
4 – 8 hours
Credit
All credit profiles considered
Use
Off-season costs, payroll, peak-season ramp & more
THE CHALLENGE
A Summer Business With Year-Round Bills
Moving is a profitable business with a brutal cash-flow calendar: the overwhelming majority of residential moves fall in the warm-weather months, with summer the peak, yet your costs run every month of the year. In the Federal Reserve's Small Business Credit Survey, 56% of small employer firms named paying operating expenses as a challenge and 51% named uneven or unpredictable cash flow, which is exactly the squeeze a seasonal, labor-heavy mover lives in. Demand itself is steady at the national level, with 11.8% of the U.S. population moving to a different residence in 2024 (U.S. Census Bureau), but it doesn't arrive evenly across the year. Here's where the cash gets stuck.
The summer peak runs against twelve months of fixed cost
You earn most of your money in a short window, but the bills never take a season off. Truck loans and leases, the storage-warehouse rent, dispatch and office payroll, and a core crew you keep on so trained hands don't defect, all run straight through a long, low-revenue winter. On top of that sits a heavy insurance stack: interstate household-goods movers must carry a minimum of $750,000 in public-liability insurance and maintain a $10,000 surety bond or trust (FMCSA). The capital job is to survive the trough and pre-fund the spring ramp, more trucks, more seasonal crew, more fuel, before the summer revenue ever lands.
You staff up and pay out before the cash comes in
Crew is the largest controllable cost, and moving is one of the most physically demanding, injury-prone trades, so workers' comp rates for movers are among the highest in transportation. To capture peak you have to hire, train, and pay seasonal crews in spring, weeks before the summer revenue lands, and keep enough year-round hands to hold onto trained leads. The work also turns over constantly: the median wage for the hand laborers and movers who make up crew labor was $37,680 in May 2024, with roughly 1,008,300 projected annual openings nationwide from 2024 to 2034 (Bureau of Labor Statistics), so rehiring and retraining is a recurring cash drain. The cash going out leads the cash coming in by a full season.
Federal rules can force you to wait on money you've earned
Residential movers are largely paid with a deposit at booking and the balance at delivery, close to cash-on-delivery. But on a non-binding interstate estimate, the law itself can hold back your cash: a mover cannot collect more than 110% of the estimate at delivery, and if the bill runs higher, you must release the shipment on payment of 110% and defer billing the rest at least 30 days (49 CFR 375.407). Layer in corporate and commercial relocation work, billed to employers and relocation management companies on Net-30, Net-60, or Net-90 terms, and a diversified mover is floating crew payroll against revenue it has earned but cannot legally or contractually collect yet.
Rising costs land on a business already short on slack
The most common challenge small employer firms reported was simply the rising cost of goods, services, and wages, cited by 75% of them (Federal Reserve Small Business Credit Survey). For a mover, that means fuel, insurance, trucks, and crew pay all climbing at once, against a revenue calendar that bunches into a few months. When the off-season is long and the fixed costs are high, there isn't much cushion to absorb it.
Moving is a business of seasons, and the seasons don't wait on underwriting. By the time a 30-to-90-day SBA process ends, often with less than the amount requested, the spring ramp you needed to staff for has come and gone and the winter trough has done its damage. We fund moving companies before the season turns, with working capital matched to how the work actually pays.
How Moving Companies Use Our Funding
Carry the Off-Season
Keep trucks, the FMCSA insurance stack, storage rent, and your core crew covered through the slow winter months, when bookings drop but the fixed costs don't.
Pre-Staff for Peak
Hire, train, and pay seasonal crews in spring, weeks before the summer revenue lands, so you can book more moves instead of turning work away.
Bridge Commercial Invoices
Cover payroll and fuel while corporate relocations and relocation management companies work through their Net-30, Net-60, or Net-90 terms after the move.
Float the Deferred Balance
On interstate jobs, federal rules can force you to defer billing part of an underestimated balance for 30 days or more. Working capital covers crews while you wait.
Trucks & Equipment
Finance box trucks, tractors, liftgates, dollies, and storage gear with terms that spread the cost instead of draining the account before peak season.
Fuel, Supplies & Marketing
Stock pads, boxes, and packing materials and put marketing behind the busy stretch, so you're booked and supplied when the warm-weather rush hits.
One Application. We Match You to the Funding That Fits.
Most movers we fund use working capital they can put toward anything. You don't need to know which product you want, apply once and we'll match you to what you qualify for.
Working Capital
Flexible funding for payroll, fuel, insurance premiums, or a slow winter month. Put it toward whatever the next season needs. This is where most moving companies start.
Learn MoreBusiness Line of Credit
Revolving cash you draw down through the winter trough and repay over the summer, the natural seasonal bridge. Interest applies only to what you actually use.
Learn MoreEquipment Financing
For box trucks, tractors, liftgates, dollies, and storage gear, with terms up to 60 months and the equipment itself as collateral.
Learn MoreSBA Loans
Government-backed funding with longer terms and competitive rates for larger, planned expansion, when you have time for a more involved process.
Learn MoreAR & Invoice Factoring
If you run corporate or relocation-management-company accounts on net terms, factoring can turn those unpaid invoices into cash now. A fit for the commercial side of a diversified mover.
Learn MoreRevenue-Based Financing
Funding with repayment that flexes with your sales, easing off through the slow winter months instead of holding a fixed payment.
Learn MoreWhy Moving Companies Choose Us
We've funded moving and relocation companies from one and two truck local operations up to multi-crew interstate movers running residential, corporate, and storage work at the same time. We know your money goes out before it comes in, and that a few warm-weather months carry much of the year.
Fast, flexible working capital is built for that reality. We're familiar with weather-driven, seasonal cash flow, the wait on commercial invoices and regulation-deferred balances, and what it takes to ramp up before peak season without floating it all yourself.
See What You Qualify For- We understand seasonal, weather-driven cash flow
- Funding fast enough to pre-fund the spring ramp
- Carry trucks, insurance, and crew through the winter trough
- Bridge commercial net-term invoices and deferred balances
- Approval in 4 – 8 hours, not weeks
- All credit profiles considered
Simple Requirements to Get Started
If your moving company has been operating for at least 6 months and generates $10,000 or more in average monthly revenue, you're likely a fit.
6+ Months
In Business
$10K+
Monthly Revenue
All Credit
Profiles Welcome
See What You Qualify For
It takes less than 30 seconds. Soft credit pull, won't affect your score.
Moving Company Funding FAQs
Can a moving company get funding to cover payroll and fixed costs during the slow winter off-season?
Yes. The long winter trough is exactly when many movers need a bridge: bookings dry up, but the truck loans, the FMCSA insurance and bond, the storage rent, and your core crew still cost the same every month. Working capital or a line of credit can carry those fixed costs through the quiet stretch and fund the ramp back up before summer.
How fast can we get working capital before the summer moving season starts, to hire crews and add trucks?
Approval typically comes within 4 to 8 hours, with funds following shortly after. That speed is the main reason movers choose us over a bank or an SBA loan, where the same request can take 30 to 90 days, long after the spring ramp is over. You can fund the hiring, training, fuel, and equipment for peak before the summer revenue actually arrives.
Do you offer a line of credit a seasonal mover can draw on in winter and pay back over the summer?
Yes. A business line of credit is the natural fit for a weather-driven revenue calendar. You draw on it through the slow months to cover fixed costs and pre-stage for peak, then repay as the summer moves get paid, and you only pay interest on what you actually use. It's built for the draw-in-winter, repay-in-summer rhythm a moving company runs on.
We do interstate moves under the FMCSA 110% rule and wait on the deferred balance and commercial invoices. Can you fund that gap?
Yes, this is a common reason movers come to us. On a non-binding interstate estimate, federal rules say you can't collect more than 110% of the estimate at delivery, and if the bill runs higher you have to release the shipment on payment of 110% and defer billing the rest at least 30 days (49 CFR 375.407). Add corporate and relocation work billed on Net-30, Net-60, or Net-90 terms, and you're floating crew payroll against money you've earned but can't collect yet. Working capital advances the cash now so payroll and fuel are covered while those balances clear.
Can we finance a moving truck, liftgate, or storage equipment instead of paying cash before peak season?
Yes. Equipment financing is available with terms up to 60 months, and the equipment itself usually serves as collateral, which often makes approval easier. It's a common fit for box trucks and tractors, liftgates, dollies, and storage-warehouse gear, so a big purchase before peak doesn't drain the account you need for crews and fuel.
Do you fund both residential movers and corporate or commercial relocation companies that bill on net terms?
Yes. Residential movers are largely paid with a deposit at booking and the balance at delivery, so the cash pressure there is the seasonal swing and the upfront outlay for crews and trucks. Corporate and commercial relocation work, billed to employers and relocation management companies on Net-30, Net-60, or Net-90 terms, adds a real receivable on top of that. Working capital, a line of credit, and on the commercial side factoring all fit, and we'll match you to what suits your actual mix.
Does applying for moving-company funding require a strong credit score, or do you consider all credit?
All credit profiles are considered. Most moving companies we fund have been operating for at least 6 months and generate $10,000 or more in monthly revenue. Your sales history and day-to-day performance matter more than a perfect credit score, and checking what you qualify for uses a soft credit pull that won't affect your score.
What are the basic eligibility requirements for a moving company?
Two things matter most: at least 6 months in business and $10,000 or more in average monthly revenue. We consider all credit profiles. Because moving revenue is seasonal, we look at your performance over time, not a single slow winter month, when assessing the monthly-revenue picture.
Do you offer consumer financing so our customers can finance their move?
No. We fund your business, not your customer's move. Our capital goes to your moving company, for the crews, trucks, fuel, insurance, and the off-season cash gap it takes to operate. It is not a consumer or customer-financing program that lets a homeowner pay for their move over time, we do not advance or buy your deposits, and we are not a moving-insurance, valuation, or claims product. How you bill and collect from your customers, and how you handle your FMCSA insurance, bond, and valuation coverage, stays entirely with you.
Can a newer or smaller moving company with one or two trucks still qualify for working capital?
Often, yes. The main thresholds are time in business and revenue, not fleet size: if you've been operating for at least 6 months and generate $10,000 or more in monthly revenue, a one or two truck operation can be a fit. Apply once and we'll match you to the funding you qualify for based on your actual numbers.
How much working capital can a moving company get, and what can we use it for?
Funding generally ranges from $10,000 to $500,000, depending mostly on your monthly revenue and time in business. Movers use it for crew payroll and seasonal hiring, fuel, truck and insurance costs, the FMCSA bond, storage rent, packing supplies, marketing ahead of peak, and carrying fixed costs through the off-season. You don't have to choose a product up front, you apply once and we match you to the funding you qualify for.
Will taking funding interfere with our deposits, FMCSA insurance and bond obligations, or our customers' valuation coverage?
No. Our funding is working capital for your business, separate from how you collect deposits and balances and separate from your regulatory obligations. We do not advance or buy your deposits, and we are not a substitute for your FMCSA public-liability insurance, your surety bond, or the Full Value Protection or Released Value coverage you offer customers. You keep meeting those obligations as you do today, the funding simply covers your operating cash flow.
Specialized Funding
Other Business Types We Fund
We build dedicated funding guides for specific business types. Explore others below, or see the full Transportation & Trucking overview.
Insights
Reading for Transportation & Trucking Owners
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Invoice Factoring vs. Line of Credit: Which One Fits?
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Equipment Financing Explained: How It Works & Qualifying
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