Merchant Fund Express
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Payroll Funding for Moving Companies

Keep crew leads, helpers and drivers paid on time, even when commercial clients pay late or the slow season hits. FICO 500+ considered.

Cover My Payroll

Moving Company Payroll

Pay your crews on Friday, every Friday

Moving revenue comes in waves. Payroll does not. We fund moving companies from their deposit history, with fast decisions and minimal paperwork.

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.

Payroll help built for movers

Fast, short application

5 minutes to apply, about three months of statements, no tax returns. Funding in as little as 24 hours for qualified businesses.

Room on credit

FICO 500+ considered. Steady job deposits count, and we start with a soft pull.

Total cost shown

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

Known repayment

The repayment schedule is in the offer up front, so you can plan it around your busy and slow weeks.

Ready to see your numbers?

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.

Crews get paid weekly. Customers do not always pay on time.

A residential move usually pays at delivery. A corporate relocation, an apartment complex turnover or an office move often pays on net terms. Meanwhile your crew leads, helpers and drivers expect a paycheck every Friday, and in peak season you may be paying overtime on top of that.

Good movers are hard to find. Missing a payroll, or even paying late once, is how you lose your best crew lead to a competitor right before the busiest weekend of the month.

When movers reach for payroll funding

Which product fits payroll

For a single crunch, working capital for moving companies covers a defined gap. If payroll pressure comes back every month, a business line of credit lets you draw what you need and leave the rest untouched. Movers who take most payments by card sometimes look at a merchant cash advance, where repayment is tied to sales.

What we review

About three months of business bank statements and a 5-minute application. No tax returns. We start with a soft credit pull and consider FICO 500+. Sole proprietors and owner-operators can apply. Funding can arrive in as little as 24 hours for qualified businesses, which matters when Friday is close.

Every offer shows the full repayment amount and repayment schedule before you accept. Apply now to see what is available.

Do not let payroll funding become the plan

Use funding to cover gaps, then fix what caused them. Tightening deposit requirements on residential jobs, invoicing commercial clients the day the job closes and scheduling crews closer to booked volume all reduce how often you need to bridge payroll at all. A simple weekly look at booked jobs against crew hours goes a long way.

Frequently Asked Questions

Can I use funding to pay seasonal helpers?

Yes. Covering extra labor ahead of and during peak season is a common use.

How fast can I get funds before payroll?

Funding can arrive in as little as 24 hours for qualified businesses, so apply a few days ahead of your payroll date when you can.

Do commercial receivables help?

Funders look mainly at deposits already landing in your account. Outstanding invoices help explain why you need the bridge.

Can an owner-operator moving business apply?

Yes. Sole proprietors can apply.

Will applying hurt my credit?

The first step is a soft credit pull, which does not affect your score.

Summer helpers $28,000.00
Crew overtime $9,500.00
Office move gap $21,000.00
Winter core crew $34,000.00

Example uses for illustration only.

How to improve your chances

These habits cut down on payroll crunches.

  • Collect deposits on booked residential moves
  • Invoice commercial jobs the day they close
  • Schedule crews against confirmed bookings
  • Keep job revenue in one business account

Payroll funding: us vs. a bank

Merchant Fund Express
Traditional bank loans
Speed
As little as 24 hours if qualified
Weeks
Paperwork
About three months of statements
Tax returns, financials
Credit
FICO 500+ considered
Stronger credit expected
Sole proprietors
Can apply
Often harder to qualify
Credit pull
Soft to start
Hard inquiry

Make this Friday's payroll easy

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

Apply for Funding
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