The Pinch Points
Why Movers Come to Us Instead of Their Bank
Movers front the trucks, the crews, and the supplies in the spring before a summer of bookings clears. Banks fixate on the winter trough; our lenders read peak-season revenue. Sound familiar?
Peak in Six Weeks, Two Trucks Short
Peak moving season starts in 6 weeks. You need 2 more 26-foot trucks ($55K each), 4 seasonal movers, and $15K in packing supplies. Revenue will 3x but costs hit first.
Corporate Partner, Truck and Warehouse
A corporate relocation firm wants you as their local partner — 15 moves/month guaranteed. You need a warehouse for staging ($4K/month), a third truck, and 3 full-time crew members.
Winter Trough, Crew to Keep
It's November and revenue dropped 60%. Payroll for your 4 full-time movers is $16K/month. You need bridge capital to keep your crew through winter so you don't lose them for spring.
Military Contract, Second Truck in Three Weeks
A military base relocation contract landed — 25 moves over 90 days at $3,200 each. You need a second 26-foot truck ($55K), moving blankets and equipment ($4K), and a CDL driver before the first move date in 3 weeks.
Lift Gate Down, Six Moves Booked
Your lift gate failed on your primary truck during a $4,800 commercial move. Replacement is $3,900 and you've got 6 moves booked this week. Every reschedule costs you a $500 deposit refund and risks a 1-star review.
Top Account Wants Storage on Demand
The corporate-relocation account that pays the most doesn't just want trucks — it wants warehouse and storage capacity on demand. Win it and you're suddenly short the square footage, racking, and handling gear the contract requires, with the build-out due before the first invoice clears.
What an operator said
“Every June we turned away moves we couldn't crew. The seasonal line let us add two trucks and keep the bookings instead of losing them.”
Hector V. · Moving Company · Denver, CO
Start Here
See Your Range in 60 Seconds
No credit check, no documents to start, and an estimated funding range on the spot. No one contacts you until you’re ready to move forward.
What Happens When You Start
Estimate Your Capital Range
Slide to your annual gross revenue. We size capital off your top line — not your credit score.
Estimated Capital Range
A conservative range based on 10-15% of annual revenue — many businesses qualify for more with strong receivables or assets behind them. Lenders return real term sheets once they see your file.
60 seconds · No obligation · Estimate only
Built for the Trade
What We Fund for Movers
Fund the Moving-Truck Fleet, Section 179
Take the whole moving-truck fleet as one Section 179 purchase — the first-year deduction runs past your down payment.
Carry Crew Through the Summer Ramp
A seasonal working-capital line carries crew and fuel through the summer ramp before deposits clear.
Advance on Relocation Invoices
Advance corporate-relocation and contract billings through an A/R line, instead of waiting out their net terms.
Reserve for a Peak-Season Fleet
A maintenance reserve line keeps a peak-season fleet on the road when downtime means a lost booking.
Seasonal Pre-Buy Line
A line drawn ahead of the summer ramp to add trucks and crew before deposits clear — sized on peak-season revenue, not the winter trough.
Fund Trucks and Storage Capacity
A term structure funds the truck count and storage capacity a growing van line needs.
Match Your Situation
The Cash-Flow Gaps We Fund for Movers
Match your situation to the structure. Every one of these funds on your revenue, not a perfect credit file.
| What It Looks Like | Funding Solution | Amount | Speed | |
|---|---|---|---|---|
| Seasonal truck acquisition | Peak season needs added 26-ft trucks on the road before the bookings that pay for them clear. | Equipment Financing | $100K–$300K | 3–7 days |
| Seasonal crew and supplies | A summer ramp means hiring movers and buying packing supplies before deposits land. | Working Capital | $75K–$150K | 1–3 days |
| Winter bridge capital | Revenue drops 60% in the off-season but full-time crew payroll continues through winter. | Working Capital | $75K–$150K | 1–3 days |
| Storage and warehouse buildout | A corporate-relocation partnership needs staging space and capacity a growing van line can't yet fund. | Working Capital | $75K–$200K | 1–3 days |
| Relocation-contract receivables | Corporate and contract moves pay net terms while crew, fuel, and the next truck are due now. | Invoice Factoring | $75K–$5M+ | 1–2 days |
The Products
How Moving & Relocation Financing Is Structured
Most moving files fund between $75K and $5M+, structured to the trucks, the season, or the contract in front of you. Larger lines available when revenue, cash flow, and story qualify.
| Amount | Term | Best For | Funding Speed | Typical Structure | |
|---|---|---|---|---|---|
| Equipment Financing | $75K–$5M+ | 2yr–10yr | 26-ft trucks, lift gates, storage equipment | 3–7 days | Equipment serves as collateral |
| Working Capital | $75K–$5M+ | 6mo–10yr | Seasonal crew, supplies, winter bridge | 1–3 days | Often unsecured, daily/weekly ACH |
| Invoice Factoring | $75K–$5M+ | Per invoice | Corporate-relocation net-term receivables | 1–2 days | Invoices secure the line, no PG typically |
| Business LOC | $75K–$5M+ | Revolving | Fuel and maintenance across a seasonal fleet | 1–5 days | Unsecured line, no PG by default |
Tax Strategy
Section 179 on a 26-ft Moving-Truck Fleet — Worked
If last year was strong and you’re about to write a check to the IRS — stop. Acquire qualifying equipment with as little as 10% down, finance the rest, and write off the full purchase price in year one. Section 179 covers it up to the annual cap; 100% bonus depreciation — made permanent in 2025, with no cap and no income limit — carries the rest.
At the top bracket, that first-year deduction can return meaningful tax savings — and for an established business with strong cash flow, it’s the difference between writing a check to the IRS and putting the same money into your own equipment. Your CPA models the exact numbers for your bracket and structure.
Worked scenario · top bracket · illustrative
You financed the machine and put down a fraction of its price — but you deduct the full price in year one. The write-off is bigger than your down payment, and the equipment keeps working the whole time.
Scales with your numbers
Illustrative only. Actual savings depend on your tax bracket, entity type, state conformity, and CPA guidance. Section 179 and bonus depreciation are elections your CPA makes for your situation; above the Section 179 cap, 100% bonus depreciation carries the balance.
Terms reflect credit, revenue, time in business, and each lender. Every file is unique — see what the desk structures for yours in the 60-second qualifier.
Bobby’s Take
“The corporate-relocation accounts that pay best don't just want trucks — they want storage and crews on demand. Fund the capacity ahead of the contract, not after it. §179 writes off more in year one than you put down; let your CPA model the bracket.”
Bobby Friel · Founder · 20+ years in banking and finance
How It Works
From Application to Funded
One application, 70+ lenders competing, a dedicated specialist, and most files funded in days.
60-second estimate
Enter your numbers — no credit check, no documents. You see an estimated funding range on the spot.
A specialist is assigned
A real funding specialist — not an algorithm — reviews your file, usually within 24 hours.
70+ lenders compete
Your application goes to the marketplace. Competing offers typically land 24–48 hours later.
You pick the offer
Compare structures and terms with your advisor. No obligation until you choose to sign.
Funded in days
From same-day working capital to a multi-piece stack, most files fund in days — not the bank’s 60–90.
Underwriting
What Underwriting Looks At
Funding here leads with what your business actually does — your revenue and cash flow. The specialist desk reads the real picture from your statements, then matches it to the lenders most likely to fund it.
How you’re evaluated
Revenue-first
sized off your top line, not just your balance sheet.
Cash-flow driven
your bank statements show how the business really runs.
Bank-statement underwriting
even a down year is read off 4 months of statements.
Story-driven
a big new contract, a seasonal swing, a turnaround in progress: context the raw numbers miss counts too.
What to have ready
↳Had a loss year? It’s read off the bank statements — 4 months, not 6.
Start fast, finish complete
The operators who fund quickest come to the specialist review with these ready — but you don’t need all of it to start. Your signed application and bank statements are what unblock the review; the rest can follow as trailing docs. Real term sheets come once the lenders can see a true business overview, so the move is simple: get the application and statements in right away, and don’t let a missing tax return hold up your term sheets.
Credit, straight
Qualification
Who Gets Funded — and Who’s Not Ready Yet
A straight read saves everyone time — here’s the line between a moving / relocation file that funds and one that isn’t ready yet.
↳Time in business is a factor, not a gate — newer crews with strong revenue still qualify.
Not ready yet isn’t a no — it’s a checklist. Most of it is fixable in a quarter or two, and your advisor will tell you straight which gaps to fix before a file goes in.
The Operator's Guide
Moving & Relocation Financing
Capital That Flexes With the Calendar
Moving is a summer wave and a winter trough, and a bank underwrites the trough — it sees the 60% off-season revenue drop and turns down the truck you need for June. But the contracts arrive in the wave, and the trucks and crews to take them cost money you haven't booked yet. Our lenders read peak-season revenue and the bookings behind it, and they fund the seasonal truck ramp, the crew, and the winter bridge on that, so you keep the moves instead of turning them away.
One Application, 70+ Lenders
Two 26-ft trucks and four seasonal movers for a peak ramp, a $55K second truck for a military relocation contract, or winter bridge capital to keep your crew through the slow months — we connect you with 70+ lenders who fund movers every week. Equipment financing, working capital, A/R, and lines of credit — $75K to $5M+, on your revenue. One application, soft-pull review to start.
Common Questions
Moving / Relocation Financing — Questions, Answered
Yes — moving operators are underwritten on peak-season revenue, with seasonal working-capital structures sized $75K–$5M+ to carry crews and trucks through the summer ramp.
Yes. Added 26-ft trucks are funded as a structure sized on peak-season bookings, so you take the moves instead of turning them away.
Yes. Working-capital bridge structures carry full-time crew payroll through the off-season so you don't lose your movers before spring.
No. Soft credit pull only — zero FICO impact.
Equipment financing and a seasonal working-capital line fund the trucks and crew on peak-season revenue, sized to the bookings; soft-pull review to start.
Recommended Funding
The Products That Fit Moving / Relocation Work
Equipment Financing →
Finance 26-ft moving trucks, lift gates, and storage equipment — the equipment is the collateral.
Working Capital Loans →
Fund seasonal crew, packing supplies, and winter bridge capital between peaks.
Invoice Factoring →
Convert corporate-relocation receivables into immediate cash for crew and trucks.
Business Line of Credit →
Draw for fuel and maintenance across a seasonal fleet, repay from peak bookings.