Merchant Fund Express
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Bad Credit Business Loans for Moving Companies

A rough credit history does not erase a busy moving schedule. FICO 500+ considered, with offers based on your deposits. Funding from $25,000.

Check My Options

Moving Company Funding, Credit Flexible

Your bookings tell a better story than your score

We review the deposits your moving company brings in, not just a credit report. Soft pull to start, no tax returns and a 5-minute application.

As fast as
24 hours

Amount to request

$85,000.00

Funding range$25K to $5M

*Sample amounts shown. Your actual offer depends on your business and is reviewed before approval.

Funding that looks past the score

Fast, simple paperwork

About three months of statements and a 5-minute application. No tax returns. Funding in as little as 24 hours for qualified movers.

FICO 500+ considered

Credit counts, but steady deposits from completed moves carry real weight in our review.

Full cost shown first

Your offer shows the full repayment amount before you accept, so there are no surprise costs after you sign.

A clear repayment plan

The repayment schedule is laid out in your offer up front, so you can judge whether it fits your season before committing.

Payroll before sales come in?

Fast decisions. Applying takes about 5 minutes.

Apply Now

How it works

Apply in minutes

A short application. A soft credit pull to start.

Fast decision

We review revenue, time in business and bank activity, not just a credit score.

Review your offer

You see the amount, the schedule and the full repayment amount before you sign.

Get funded

Funding in as little as 24 hours for qualified businesses.

How a moving company ends up with bruised credit

Plenty of solid moving companies carry a credit score that does not reflect how well the business runs. A rough winter where the owner covered payroll on a personal card. A damage claim that dragged on. A truck repossession from years ago, before the company found its footing. Banks see the score and stop reading.

We read further. Our offers lean on your business bank statements, because deposits from booked moves show whether the company can carry funding today. FICO scores from 500 are considered.

How funders weigh credit next to deposits

Credit is one input, not the whole decision. Funders generally look at:

A lower score can still mean a smaller offer or no offer, depending on the full picture. Strong, steady deposits help balance it out. For more detail, see how moving companies qualify.

Products available to movers

Depending on your deposits and needs, you may see offers for a merchant cash advance, working capital, a business line of credit, equipment financing or revenue-based financing. Amounts range from $25,000 to $5,000,000, based mainly on deposits and existing obligations.

Steps that help your application

You do not need perfect credit, but a clean, readable set of statements makes a real difference. Keep job payments flowing into one business account. Avoid overdrafts in the months before you apply. Be upfront about any existing financing. Sole proprietors can apply too.

We start with a soft credit pull, so checking your options will not affect your score. No tax returns are required, and qualified businesses can be funded in as little as 24 hours.

See what your deposits support

Your offer will show the funding amount, the full repayment amount and the repayment schedule before you accept. If the numbers work for your season, accept; if not, you can walk away. Start the 5-minute application to find out where you stand.

Frequently Asked Questions

What credit score does a moving company need?

FICO 500+ is considered. Your score is weighed together with your deposits, existing obligations and account history.

Will checking my options hurt my credit further?

No. We start with a soft credit pull, which does not affect your score.

Does bad credit mean a smaller offer?

It can. Funders look at the full picture, and strong, steady deposits can help offset a lower score. Each file is reviewed on its own.

I had a past bankruptcy. Can I still apply?

You can apply. Funders consider how much time has passed and how the business is performing now, based on your recent statements.

What documents are needed?

About three months of business bank statements and the 5-minute application. No tax returns.

Truck tires $7,800.00
Winter payroll $30,000.00
Claims backlog $12,000.00
Fleet signage $5,500.00

Example uses for illustration only.

How to improve your chances

Owners with weaker credit can still strengthen an application.

  • Keep balances positive in the months before applying
  • Move all customer payments into the business account
  • Be upfront about existing financing and past issues
  • Pay down revolving balances where you can

Our approach vs. a bank's

Merchant Fund Express
Traditional bank loans
Credit focus
FICO 500+ considered
Low scores often declined
Main factor
Recent deposits
Credit and collateral
Documents
About 3 months of statements
Tax returns and financials
Credit check
Soft pull to start
Hard inquiry
Speed
As little as 24 hours if qualified
Several weeks

Find out what your deposits can support

One secure application. A soft credit pull to start. No obligation to accept an offer.

Apply for Funding
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