Funding for your situation
What a moving company can do when advance debits are failing, how restructure options are compared, and a worked example with illustrative numbers.
✓ Checking what you qualify for does not affect your credit score.
Falling behind on an advance is more common in moving companies than anyone says out loud. Card and check payments at delivery, with deposits spiking on busy weeks. When one slow stretch lands on top of a daily debit, the account stops covering both the debit and the bills around it.
Merchant Fund Express is a funding marketplace: you apply once, and the file is matched to the structure that fits it. The sections below show what this situation usually costs, how a funder reads it, and what to prepare.
Equipment is part of the picture. A failure such as a truck transmission or a brake service can run $8,200 to $8,200 and interrupt revenue while it is down.
The documents that usually matter most for a moving company are a truck quote and insurance quote or invoice, alongside the bank statements.
Summer and month-end weekends carry most of the year. For a moving company, that rhythm decides when a funding request reads best and how it should be repaid.
What it looks like on the ground: summer bookings are full by April, and a second truck would convert the overflow.
These are the same factors described on revenue and deposit requirements and time in business. Merchant Fund Express walks you through how your own file reads before you apply.
| Item | Illustrative amount |
|---|---|
| Remaining balance on an advance taken for box truck (illustrative) | $13,500 |
| Daily debit | $150 a day, or $750 a week |
| Missed debits so far | $450 (three days, illustrative) |
| Fees under the agreement (illustrative) | $500 |
| Weekly cash a moving company in a slow stretch can really carry | $450 |
What this shows. The gap between the debit and what the account can carry is the number any restructure has to solve, and for a moving company it moves with the year: summer and month-end weekends carry most of the year. Compare it with MCA refinance, MCA buyout and the MCA payoff calculator.
Source: worksheet by Merchant Fund Express. Illustrative only: these figures are not an offer, and real amounts depend on your file and the funder.
What counts as default, what fees apply and what remedies the funder reserves.
A payoff letter beats a guess from the statement, especially if part of it went to a truck transmission.
Card and check payments at delivery, with deposits spiking on busy weeks.
Restructure the payment, replace the position or add room through a defined second position.
A complete file is what makes a same-day decision possible. If something is missing, tell us and we will work around it.
Sometimes, depending on the balance and how the account is behaving. Options include a MCA refinance, a buyout for balances of $100,000 or less, or a second position. Merchant Fund Express reviews the file the same day it is complete.
If the funder is escalating or has sent a legal notice, yes. This page is general information, not legal advice.
No. It changes which options fit and how the file is read. See funding after a defaulted advance.
The minimum FICO is 500, and better credit means better products and terms. See credit score requirements for how the tiers work.
Merchant Fund Express gives a same-day decision on a complete file. Applying takes a few minutes and will not affect your credit score.
