Merchant Fund Express
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Big Contract Funding for Moving Companies

Staff up, rent trucks and stock materials for that corporate or commercial move before the client pays. Offers sized to your deposits.

Fund the Contract

Moving Contract Funding

Say yes to the job that grows your book

Large moves mean large upfront costs. We help established movers cover labor, trucks and materials so a slow-paying client does not squeeze payroll or fuel money.

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.

Why movers use us for contract work

Fast start, short application

Five minutes to apply and about three months of statements. Funding in as little as 24 hours for qualified businesses.

Room for imperfect credit

FICO 500+ considered, with a soft pull to start. Steady job deposits carry real weight in our review.

Every cost on the page

The full repayment amount is in your offer before you accept. No surprise costs after you sign.

A schedule you can line up

Your repayment schedule is spelled out up front so you can set it against the client's payment terms.

Cash flow tight this month?

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.

The contract is signed. The check is not.

A corporate relocation package, an office move for a hospital system, or a recurring contract with a property manager can change a moving company's year. The catch is timing. You staff up, rent extra trucks and buy crating materials now, while the client pays on its own schedule, often after the job is invoiced and approved.

Funding for a big contract lets you take the work without starving the rest of the business. We look at your deposit history and help you cover the costs that come before the payment.

Costs that land before the first invoice

  1. Labor. Extra crews, overtime and temporary helpers.
  2. Vehicles. Rental trucks or a purchase through equipment financing.
  3. Materials. Crates, wardrobe boxes, IT carts, floor and door protection.
  4. Insurance and permits. Higher coverage limits and building or parking permits some commercial clients require.
  5. Fuel and tolls. Especially for multi-site moves.

Picking a structure that fits the contract

If the contract has a clear start and finish, working capital sized to the job can make sense. If it is recurring, such as monthly office moves for a property group, a business line of credit lets you draw only what each phase needs. A merchant cash advance is another option for movers with steady card or deposit volume. We explain how each works and you choose.

What we look at

We are built for established businesses with steady deposits. Expect to share about three months of business bank statements; no tax returns required. The application takes about 5 minutes and starts with a soft credit pull. FICO 500+ considered, and sole proprietors can apply.

Your offer lists the full repayment amount and schedule before you accept. Compare those numbers against the contract's payment terms so you know the job still pencils out. When you are ready, apply here.

Protecting the rest of the business

A big contract should not crowd out the residential moves that keep your name in the neighborhood. Before you accept funding, sketch out how many trucks and crew hours the contract will tie up each week, and what that leaves for your regular bookings. Keep a small buffer for fuel spikes and overtime. Our cash flow guide for movers has a simple way to map this out.

Frequently Asked Questions

Do I need to send you the contract?

Our review centers on your bank statements. Having the contract handy helps you explain the need and plan repayment, but deposits drive the decision.

Can funding cover rented trucks for a single large job?

Yes. Rentals, extra labor, materials and fuel are all common uses for big contract funding.

What if the client pays slowly?

That is the gap funding is meant to cover. Review the repayment schedule in your offer against the client's payment terms before you accept.

How much can I get for a large commercial move?

Funding ranges from $25,000 to $5,000,000, sized mainly to your deposits and existing obligations rather than the contract value alone.

How fast can funds arrive?

Qualified businesses can be funded in as little as 24 hours, which helps when a start date is close.

Extra crew payroll $60,000.00
Rental trucks $35,000.00
Crating materials $18,000.00
Higher coverage $27,500.00

Example uses for illustration only.

How to improve your chances

Before taking on a contract this size, a little prep goes a long way.

  • Price the job with labor, fuel and materials fully loaded
  • Confirm the client's payment terms in writing
  • Keep recent deposits steady in your business account
  • Line up any subcontract crews before the start date

Contract funding with us versus a bank

Merchant Fund Express
Traditional bank loans
Time to apply
About 5 minutes
Hours of paperwork
Paperwork
Bank statements, no tax returns
Returns, financials, contract review
Credit range
FICO 500+ considered
Higher scores expected
Funding speed
As little as 24 hours
Weeks in many cases
Initial credit check
Soft pull
Hard pull

Take the big job with confidence

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

Apply for Funding
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