Merchant Fund Express
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Moving Companies Cash Flow Funding Before Peak Season

Hire crews, service trucks and stock supplies before the summer rush. Established movers can get $25,000 to $5,000,000.

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Moving Company Cash Flow

Carry the fleet through the slow months

Winter is quiet, but truck payments and insurance aren't. Apply in about five minutes and see your full repayment amount before you decide.

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.

Funding that follows a mover's calendar

Fast review, light documents

Three months of bank statements and no tax returns. Qualified movers can be funded in as little as 24 hours.

Credit flexibility

FICO 500+ considered, with steady deposits weighed heavily.

No hidden costs

Your offer shows the full repayment amount before you accept. No surprise costs are added after you sign.

Predictable payments

The repayment schedule is laid out in the offer, so you can plan it against busy and slow months.

Need capital this week?

Fast decisions. Applying takes about 5 minutes.

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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.

A business with a very loud summer

Moving is about as seasonal as service businesses get. Late spring through early fall, especially around the end of the month and the end of the school year, the phones ring constantly. Then winter arrives and the schedule thins out. Moving companies cash flow depends on saving enough in the busy season to carry trucks, insurance and a core crew through the quiet months.

Costs that don't care what month it is

Truck payments, commercial auto insurance, storage warehouse rent and software subscriptions keep coming year round. Fuel and labor rise with volume, but they still have to be paid before the customer's final payment clears. And a truck that breaks down in July costs you jobs at the most valuable time of year.

The pre-season squeeze

Many movers face their tightest cash month right before peak season: hiring and training crews, buying boxes and pads, servicing trucks, and spending on ads, all before the summer revenue arrives.

Planning moves that help

  1. Collect deposits when bookings are made, especially for long-distance or large residential jobs.
  2. Bill commercial and office moves promptly and follow up on open invoices.
  3. Service the fleet in early spring, not in the middle of June.
  4. Set aside a portion of each peak-season week for the winter months.

If you need cash ahead of the rush, slow season funding for movers covers the off-peak gap, and equipment repair funding covers trucks that break down at the worst time.

Local, regional and commercial work behave differently

Residential local moves usually pay the same day. Commercial office moves bring larger tickets but may come with invoices and terms. Storage revenue is small but steady through winter. A healthy mix of these helps even out the year and gives funders a clearer picture of your deposits.

What we look for from movers

We work with established local and regional moving companies that have steady deposits. Funding runs from $25,000 to $5,000,000, with options such as working capital, revenue-based financing, equipment financing and lines of credit. We review about three months of business bank statements, consider FICO 500+, and do not need tax returns.

The application takes about five minutes and starts with a soft pull. Your offer lists the full repayment amount and schedule before you accept, and qualified movers can be funded in as little as 24 hours. Apply now.

Frequently Asked Questions

My revenue drops a lot in winter. Will that hurt?

Funders expect seasonality in moving. We look at deposit patterns over about three months, and a clear seasonal pattern with steady activity is easier to evaluate than erratic deposits.

Can I use funding to add a truck before summer?

Yes. Equipment financing is designed for vehicle and equipment purchases, and working capital can cover crew hiring and supplies.

Do I need perfect credit?

No. FICO 500+ is considered, and your deposit history carries real weight.

Is revenue-based financing a fit for a moving company?

It can be, because repayment relates to revenue. See revenue-based financing for movers to compare it with other options.

What paperwork do you need?

About three months of business bank statements and a five-minute application. No tax returns are required.

Box truck $68,000.00
Crew hiring $24,000.00
Transmission fix $12,500.00
Winter overhead $36,000.00

Example uses for illustration only.

How to improve your chances

Movers who do these things tend to have smoother cash flow and stronger files.

  • Take deposits when jobs are booked
  • Service trucks before peak season starts
  • Save part of each summer week for winter
  • Invoice commercial moves the day they finish

Mover funding with us vs. a bank

Merchant Fund Express
Traditional bank loans
Paperwork
About 3 months of statements
Tax returns and projections
Credit
FICO 500+ considered
Strong credit expected
Seasonal revenue
Reviewed in context
Often a red flag
Speed
As little as 24 hours if qualified
Weeks to months
First step
Soft pull, 5-minute application
Hard pull, long forms

Get ready for your busiest months

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

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