Why moving companies in Virginia qualify
Moving companies are classified under Used Household and Office Goods Moving, which is an eligible category. That takes industry off the table and leaves the same four things every file is read on: average daily balance against revenue, time in business, negative days and NSFs, and existing positions.
The cash-cycle problem
Residential collected on completion; commercial and corporate accounts on 30-day terms.
In Virginia that usually means capital goes to trucks, packing materials, seasonal crew, storage space, DOT compliance costs.
Peaks hard in summer; winter is the trough.
What applies in Virginia
Virginia funds normally on every tier — no extra restrictions apply.
Most of this activity sits around Virginia Beach, Norfolk, Chesapeake, Richmond and Arlington.
Vermont, North Dakota and South Dakota sit outside the lending area on every product. California and New York carry extra restrictions on the revenue-based tier.
Operating authority and cargo insurance apply. Licensing is not a funding threshold here, but an expired licence shows up in diligence.
Virginia has a real winter of two to three slow months, which shortens the trough for moving companies without removing it.
Hurricane season concentrates a great deal of work into a short window, and insurance-funded jobs settle on their own timetable rather than yours. That gap between spend and settlement is the single most common reason a file like this needs capital.
The published thresholds
Tier 1: 650 FICO, 3 years in business, $300,000 a year or $25,000 a month, 8+ monthly deposits.
Tier 2: 600 FICO, 6 months in business, $60,000 revenue, $800 minimum daily balance.
Renewal: 550 FICO, 2 years in business, once 50% of the original balance is repaid.
There is no hard credit cutoff here. The 650/600/550 tiers are product criteria, not a floor on the business. Scores in the 500s are placed routinely, and files in the 400s are read on revenue, deposit consistency and time in business rather than on the score alone.
Questions
Do you fund moving companies in Virginia?
Yes. Moving companies are classified under Used Household and Office Goods Moving, which is an eligible category .
What credit score is needed?
There is no hard credit cutoff here. The 650/600/550 tiers are product criteria, not a floor on the business. Scores in the 500s are placed routinely, and files in the 400s are read on revenue, deposit consistency and time in business rather than on the score alone.
How fast can funding arrive?
Same-day decision and next business day funding on a complete file — the application plus three months of business bank statements.
What if revenue is seasonal?
Peaks hard in summer; winter is the trough. Underwriting reads the average and the deposit count, not the peak month.