Merchant Fund Express
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Working Capital for Moving Companies

Keep crews paid, trucks insured and supplies stocked through every season. Funding from $25,000 based on your deposits, with a 5-minute application.

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Moving Company Working Capital

Flexible cash for the months between moves

Your expenses stay level while bookings rise and fall. Working capital sized to your deposits gives you room to run the business on your schedule.

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.

Working capital that fits a moving business

Quick process, minimal paperwork

Apply in about 5 minutes with roughly three months of statements. No tax returns. Qualified movers can be funded in as little as 24 hours.

Room for imperfect credit

FICO 500+ considered. We weigh steady job deposits alongside your score.

No surprises after signing

The full repayment amount is shown in your offer before you accept, with no surprise costs after you sign.

Predictable repayment

Your repayment schedule is spelled out in the offer up front, so you can budget around your busy and slow seasons.

Cash flow tight this month?

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.

Fixed costs, uneven calendar

Ask any moving company owner when cash gets tight and you will hear the same answer: right after the busy season, and right before the next one. The trucks still need insurance in January. Your best foreman still expects a paycheck in February. And the time to buy supplies, sign up for ads and repaint the fleet is before the phones start ringing, not after.

Working capital is flexible money for exactly that. It is not tied to one purchase. You decide where it goes, whether that is payroll, fuel, storage rent or a deposit on a commercial relocation job.

What we look at

We base your offer on how money moves through your business bank account. About three months of statements show us your deposits from residential and commercial jobs, along with any existing obligations. We do not require tax returns.

ItemWhat we need
ApplicationAbout 5 minutes
Bank statementsAbout three months
CreditFICO 500+ considered, soft pull to start
Amount$25,000 to $5,000,000

Good uses for working capital in moving

For a big job that needs cash before it pays, see big contract funding for moving companies. Covering wages specifically? Read our page on moving company payroll funding.

Planning around your own busy season

Every market moves on its own rhythm. College towns spike in late spring and late summer, and suburban family moves cluster around the end of the school year. Commercial relocations often land on weekends and holidays. Look at your last few years of bookings, note when cash runs lowest, and time your request so the funds arrive before that dip rather than in the middle of it.

Simple next steps

Working capital is designed for established local and regional movers with steady deposits, and sole proprietors can apply. Your offer shows the full repayment amount and schedule before you accept, so you know exactly what you are agreeing to. Decisions move fast, and qualified businesses can be funded in as little as 24 hours. Apply now.

Frequently Asked Questions

What can a moving company use working capital for?

Almost any business expense: payroll, fuel, insurance, supplies, storage rent, advertising or upfront costs on a large job.

How is the amount decided?

Mainly by your monthly deposits and existing obligations. Offers range from $25,000 to $5,000,000.

I just finished a slow quarter. Should I wait to apply?

Funders weigh the overall pattern, not a single month. Statements that show your normal seasonal rhythm help them understand the business.

Is there a hard credit check?

We start with a soft credit pull, which does not affect your score.

What do I need to apply?

Basic business and owner information plus about three months of business bank statements. No tax returns.

Off-season payroll $40,000.00
Insurance renewal $22,000.00
Storage rent $14,000.00
Commercial job $65,000.00

Example uses for illustration only.

How to improve your chances

These steps help your moving company present a clear picture.

  • Keep personal and business money in separate accounts
  • Show consistent deposits across recent months
  • Gather balances for any existing financing
  • Write down how you plan to use the funds

How our working capital compares to a bank

Merchant Fund Express
Traditional bank loans
Time to apply
About 5 minutes
Lengthy loan package
Tax returns
Not required
Usually required
Credit range
FICO 500+ considered
Good to excellent credit
Speed
As little as 24 hours if qualified
Several weeks typical
Credit check
Soft pull to start
Hard inquiry

Keep your moving company running year round

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

Apply for Funding
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