# Moving and Junk Removal Franchise Funding for Existing Owners

> Funding for operating moving and junk removal franchises: box trucks and dump trucks, crews for the summer peak, fuel, disposal fees and winter cash flow.

Source: https://mfebusinessloans.com/franchise-funding/sectors/moving-junk/ (Merchant Fund Express, updated 2026-10-21)

## The short answer

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.

## What makes moving and junk removal cash flow different?

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.

## Moving and junk removal money map: what funds each cost line?

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 |

## Brand not listed? Every operating moving or junk removal franchise can apply

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:
Job deposits by month, including booking deposits and move-day balances
Truck notes, leases and insurance as recurring costs
Disposal and transfer-station fees for junk removal units
Royalty and ad fund drafts, counted as normal obligations
Existing advances, each counted in full

## When should a moving owner buy the next truck?

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.

## Worked example: a third truck and a summer crew

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.
Truck: $58,000 financed after the $14,000 down payment, which working capital covers.
Crew: $18,000 drawn on a line of credit in May and repaid from June and July deposits.
Capacity: if the third truck books 12 extra moves a month at an assumed $1,600 each, that is $19,200 of added monthly revenue in peak months.
The payment burden calculator checks the new truck payment against the slow-month average of $48,000, not the peak.
Figures in this example are illustrations of the arithmetic, not an offer, quote or approval. Real terms depend on the file and the funder.

## What should a moving or junk removal owner send?

About 3 months of business bank statements as PDFs (include a peak month if you can)
Dealer quotes for trucks or trailers
Current truck notes, leases and insurance payments
Any existing advances with their daily or weekly payment
Entity details if you hold more than one territory
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.

## Keep reading

Franchise funding hub: every product and sector
Franchise vehicle funding: trucks and trailers
Franchise seasonal cash flow: carrying the winter months
Franchise payroll funding: hiring the summer crew
Home service franchise funding: another truck-and-crew sector

## Common questions

### Can an existing moving franchise owner fund another truck?

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.

### My winter months are slow. Will that count against me?

No. Seasonal moving deposits are expected. The review reads several months together and sizes the payment for the slow months.

### Are disposal fees counted as costs?

Yes. Transfer-station and dump fees are read as normal job costs for junk removal units.

### Can I get money fast for a mid-season truck repair?

Yes. A complete file gets a same-day decision, and funding often lands the next business day.

### Do I need tax returns?

Not for a typical first review. About 3 months of bank statements start the file; full financials usually come in only above $250,000.

### Is a merchant cash advance a loan?

No. It is a purchase of future receivables repaid by daily or weekly debits until the agreed amount is reached.

Apply with Merchant Fund Express: https://merchantfundexpress.com/current-application.html?utm_source=mfebusinessloans.com&utm_medium=franchise&utm_campaign=franchise-funding&utm_content=sector-moving-junk