Cover truck notes, insurance, storage rent and core crew pay from fall through late winter, then head into peak season ready to work.
See My OptionsOff-Season Working Capital
Seasonal swings are part of moving. Working capital sized to your off-season gap keeps the business steady until bookings climb again.
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.
5-minute application, about three months of statements, no tax returns. Funding in as little as 24 hours for qualified businesses.
FICO 500+ considered. We weigh your deposit history, and checking options starts with a soft pull.
Your offer shows the full repayment amount before you accept. No surprise costs after you sign.
The repayment schedule is set out in your offer, so you can plan it against next summer's bookings.
Fast decisions. Applying takes about 5 minutes.
A short application. A soft credit pull to start.
We review revenue, time in business and bank activity, not just a credit score.
You see the amount, the schedule and the full repayment amount before you sign.
Funding in as little as 24 hours for qualified businesses.
Most movers do a large share of their year between late spring and the end of summer, when school is out and leases turn over. Then bookings thin out. By January, the phone is quiet on weekdays, but truck payments, liability and cargo insurance, warehouse rent and your best crew members still need to be paid.
The cash you built up in July is supposed to carry you, but a late-season truck repair or a slow fall can eat through that cushion faster than planned.
Slow-season funding tends to go toward three buckets:
Insurance renewals, storage facility rent, software and truck notes that do not care what month it is.
Paying a core group of experienced movers through winter so you are not training all-new crews in May.
Truck maintenance, new blankets and dollies, and marketing for the peak season while ad costs are lower.
We look at about three months of business bank statements. If those months include your slowdown, we see that alongside the deposits that came before it. What matters is the overall pattern and the obligations you already carry, not a single quiet month. No tax returns are required, FICO 500+ is considered and the first step is a soft credit pull.
The moving company cash flow guide walks through how to map your own season before applying.
For illustration: if fixed costs and core payroll run more than revenue by a set amount each month from November through February, add those months up and add a cushion for spring prep. That is a more realistic request than the largest figure you could qualify for.
If you expect to draw at different times, a line of credit for moving companies may be a better fit than a lump sum. Each offer shows the full repayment amount and schedule before you accept. Start your application when you are ready.
Yes. Funders look at about three months of deposits, so a slow month is viewed alongside your stronger ones.
Yes. Off-season maintenance and equipment prep is a common use.
That is typical for movers. Plan your request around the months between busy seasons and check the repayment schedule fits.
Funding ranges from $25,000 to $5,000,000, depending mainly on deposits and existing obligations.
No. Bank statements and a 5-minute application are enough to start.
Example uses for illustration only.
Movers who prepare for winter get cleaner funding reviews.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding