Franchise funding by sector
Trucks, crews and fuel, and a calendar that fills up between Memorial Day and Labor Day. What funds each one.
✓ Merchant Fund Express starts with a soft credit pull. Terms depend on your business's revenue and history.
Updated October 21, 2026 · Merchant Fund Express
Already running a moving or junk removal franchise and need capital? Merchant Fund Express funds existing owners with business loans, merchant cash advances, revenue-based financing, lines of credit, equipment financing and working capital, including funding for trucks and the summer crew. We read job deposits at the unit level, count royalty and ad fund drafts as normal costs, and give a same-day decision on a complete file.
Both concepts are trucks plus people. A moving unit books residential and office moves, collects a deposit at booking and the balance on move day. A junk removal unit quotes on site, loads, hauls and pays a disposal or transfer-station fee on every load, then recovers part of it from donations and recycling. Either way the costs that matter are the same: truck payments and repairs, fuel, insurance, crew wages and lead generation.
The calendar does the rest. Residential moving concentrates in late spring and summer, around school years and lease turnovers, and month-end days book first. Junk removal follows spring cleaning, estate cleanouts and summer moves. Winter brings fewer jobs and the same truck notes. Merchant Fund Express reads the full seasonal pattern, so a strong July is not erased by a slow January.
| Cost line | Timing | What fits |
|---|---|---|
| Box truck, dump truck or trailer | Added before the spring rush | Vehicle funding on the dealer quote |
| Truck down payment | With each new truck | Down payment funding or working capital |
| Seasonal movers and helpers | Hiring in April and May | Payroll funding or a line of credit |
| Fuel and disposal fees | Every job, peaks in summer | Working capital |
| Engine, transmission or lift-gate repair | Unplanned, mid-season | Merchant cash advance when speed matters most |
| Dollies, pads, straps and loading gear | Fleet growth | Equipment financing |
Individual brand pages for moving and junk removal concepts are not published yet. Any operating unit can apply now, and the review reads the same items for every brand:
The truck that earns most is the one on the road by the first weekend of the peak. Ordering in March or April gives time for delivery, lettering and the brand's equipment list. A truck added in August earns only the tail of the season and then sits through winter with its payment running.
| Choice | Upside | Cost |
|---|---|---|
| Buy before the peak | Full summer of jobs to carry the payment | Needs cash for the down payment in a slow month |
| Rent trucks for overflow | No long-term payment | Rental cost per day adds up across a full season |
| Wait until fall | Clear view of demand | Misses the season the truck was bought for |
Terms depend on the business's revenue and history. Tier 1 term loans need first position and 3+ years open; revenue-based financing opens at 6+ months.
A hypothetical moving franchise runs two trucks and deposits $48,000 a month on average, rising to $78,000 in June and July. Royalty and ad fund drafts, two truck notes, insurance and storage rent total $15,500 a month. The owner wants a third box truck at $72,000 with a $14,000 down payment, plus $18,000 to hire and carry a summer crew for the first four weeks.
Figures in this example are illustrations of the arithmetic, not an offer, quote or approval. Real terms depend on the file and the funder.
Merchant Fund Express asks for no tax returns in a typical first review. Industry basics are on moving company funding; if you are opening rather than operating, see opening a moving company franchise and the existing vs new guide.
Yes. Merchant Fund Express funds trucks for operating moving and junk removal franchises, with the dealer quote as the purpose and the down payment covered by working capital when needed.
No. Seasonal moving deposits are expected. The review reads several months together and sizes the payment for the slow months.
Yes. Transfer-station and dump fees are read as normal job costs for junk removal units.
Yes. A complete file gets a same-day decision, and funding often lands the next business day.
Not for a typical first review. About 3 months of bank statements start the file; full financials usually come in only above $250,000.
No. It is a purchase of future receivables repaid by daily or weekly debits until the agreed amount is reached.
Merchant Fund Express reviews your location's revenue, deposits and existing payments. Same-day decision on a complete file; funding often the next business day. About five minutes to apply.
