This Is Why You're Here
Why Moving / Relocations Come to Us Instead of Their Bank
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.
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.
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.
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.
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.
Peak season was 6 weeks away and I needed 2 trucks, 4 movers, and $15K in supplies. Basecamp financed $125K total — trucks and working capital. Revenue tripled that summer.
Chris D., Moving Company Owner, Denver, CO
Moving / Relocation Financing
Get Your Moving / Relocation Business Funded in 60 Seconds
Slide the calculator to see your estimated approval range. Then answer 3 quick questions to lock it in. No documents needed. Soft-pull pre-qual.
See What You Could Qualify For
Slide to your average monthly bank deposits.
Estimated Approval Range
Based on 100-150% of monthly revenue
Soft-pull pre-qual · No obligation · Estimate only
Built for Your Business
Why Moving / Relocation Businesses Choose Basecamp
Peak Season Costs Hit Before Revenue Does
You need trucks, movers, and supplies 6 weeks before summer revenue starts flowing. That's $125K+ in upfront costs. We fund the ramp-up so you're ready when the phone starts ringing.
Winter Payroll Doesn't Stop at 60% Revenue
Revenue drops 60% in November but your 4 full-time movers still need $16K/month. Lose them in winter and you're scrambling to hire in March when everyone else is too. We bridge the gap.
Corporate Contracts Need Warehouse Staging
A relocation firm wants you as their local partner — 15 moves/month. But you need a staging warehouse at $4K/month and a third truck. We fund the startup costs so you can land the contract.
Packing Supplies Disappear at Scale
At 3x summer volume you're burning through $15K in boxes, wrap, and tape before your first June invoice clears. We fund supply orders so you're not turning away moves because you ran out of materials.
Bobby's Take
Bobby's Playbook for Moving / Relocation
Most moving and relocation operators walking into a bank for $60K used 26-foot moving trucks have only ever seen one type of underwriting — the kind built for retail van loans. Banks evaluate moving company loans like they're financing rental fleets, then wonder why peak-summer revenue spikes and winter slowdowns don't fit their cash-flow models. Here's what specialist moving and relocation lenders actually look at — and how to position your transaction so the right specialists see it first.
Three things determine whether a moving and relocation transaction closes: trailing 12-month revenue (not just last quarter), the mix of long-distance versus local moves, and your crew-retention metrics. Not your personal FICO. Not your business age. Specialist moving lenders care about whether your annualized revenue supports a $1,000-$1,800/month per-truck payment — and whether you can keep crews staffed through the seasonal swings without losing the booked moves to subbing out.
The biggest mistake moving and relocation operators make: applying for financing in February or March when the last 4 months of statements show winter slowdown. The lender sees those low months and underwrites to that run rate. The fix: time the application right after the May-September peak season, OR submit trailing-12-month figures showing the full annual cycle. Specialist moving lenders look at the season pattern. Banks just look at the last 4 months.
corporate relocation revenue lost without truck capacity
Where this gets interesting at scale: a moving operator going from 2 trucks to 5 doesn't need ONE loan. They need equipment loans for the new units + a working capital line for crew payroll during peak ramp + sometimes a SBA loan for a warehouse or storage facility once the operation outgrows truck-only logistics. Three products, three lenders, one application — that's how local moving companies scale into regional long-distance operations without missing a single peak booking.
The moving and relocation operators who own peak season aren't the ones who waited for spring deposits to hit before adding capacity. They're the ones who had the second or third truck ready when a corporate relocation contract or a peak-month booking surge hit. Turning down a corporate relocation account because you can't add capacity is $15,000-$30,000 a month in commercial moving revenue. Run the numbers in 60 seconds — see what 70+ specialist lenders will offer your moving and relocation business this week.
Bottom line:
Movers who own peak season aren't the ones with the cleanest February statements. They're the ones with truck three on the lot when corporate relocations call — those accounts redirect, they don't backlog.
Bobby Friel
Founder, Basecamp Funding
What You're Up Against
The Real Challenges Moving / Relocations Face
Pricing Transparency
What Moving / Relocation Funding Actually Costs
Rates and terms depend on credit, revenue, time in business, and lender. Every business is unique — see what 70+ lenders will offer you in 60 seconds. Soft-pull pre-qual.
These are industry averages. Your actual rate depends on your revenue, credit profile, and time in business — it could be lower. Run your specific numbers in 30 seconds.
Calculate Your Real Cost →Tax Strategy
Section 179 Breakdown for Moving / Relocations
Finance the equipment. Keep your cash. Take the deduction. Your 26-ft box trucks (x3) costs $117,000 after taxes and you never touched your reserves.
Bobby Friel
Founder, Basecamp Funding
How It Works
From Application to Funded in 5 Steps
No paperwork avalanche. No bank lobby. No guessing.
60-Second Intake
Tell us about your operation, truck count, and monthly deposits. No load history upload yet.
Soft Credit Screen
We screen options with no impact on your FICO or your authority's commercial credit.
Trucking-Specialty Lenders Compete
70+ lenders who fund OTR, owner-operators, hotshot, and fleets review your file in parallel.
One Specialist, Multiple Term Sheets
Your funding specialist walks through equipment finance, working capital, and factoring alternatives.
Choose Your Offer, Sign, Get Funded
E-signature. Funds hit in time to fuel up, repair the rig, or onboard the next truck.
Moving / Relocation Capital Uses
What Moving / Relocation Businesses Use Funding For
Truck & Trailer Purchase
Semis, reefers, flatbeds, box trucks, trailers. Finance your next unit without a massive down payment.
Fuel & Operating Costs
Diesel, DEF, tolls, permits, lumper fees. Bridge the gap between delivery and payment.
Fleet Expansion
Add trucks, hire drivers, take on bigger contracts. Scale without draining your reserves.
Maintenance & Repairs
Engine rebuilds, tires, DOT inspections, breakdowns. Keep your trucks on the road, not in the shop.
Insurance & Permits
Liability, cargo, physical damage, MC authority, IFTA. Cover the costs that never stop.
Driver Hiring & Payroll
CDL drivers, owner-operator settlements, office staff. Fund payroll while you wait on broker payments.
Full Transparency
What Kills Your Qualification (And What Doesn't)
Most lenders won't tell you this upfront. We will.
✅ These Won't Stop You
These Can Be Deal-Breakers
Need commercial insurance for your moving / relocation business?
Trucking insurance runs $12K-$25K per truck per year. InsuranceService365.com covers trucking companies across 29 states — liability, cargo, physical damage, authority compliance.
Don't Wait Until You Need Funding to Get Funded
Brokers pay net-30/45/60. Fuel is COD. Insurance is monthly. The operators who scale pre-qualified BEFORE the broker payment stretched to net-60. By the time you're scrambling for fuel money, your numbers look stressed; before, they look fundable. Pre-qualify when the loads are steady.
Ready?
See What Your Moving / Relocation Business Qualifies For
Slide the calculator, answer 3 questions, and a specialist pulls your options within the hour.
See What You Could Qualify For
Slide to your average monthly bank deposits.
Estimated Approval Range
Based on 100-150% of monthly revenue
Soft-pull pre-qual · No obligation · Estimate only
Other Trucking Companies Specialties We Fund
Click any specialty for tailored financing options.
Recommended Products
Recommended Funding for Moving / Relocation Businesses
Working Capital
Cover fuel, repairs, and insurance while waiting on brokers to pay.
Learn More →Equipment Financing
Finance trucks, trailers, and fleet additions — asset-backed rates.
Learn More →Business Line of Credit
Revolving access for fuel, maintenance, and operating expenses.
Learn More →Invoice Factoring
Get paid on loads today instead of waiting 30-45 days.
Learn More →FAQs
Moving / Relocation Business Loan FAQs
Moving Company Loans & Relocation Business Financing — $10K to $20M+
Peak season starts in 6 weeks. You need 2 more 26-foot trucks at $55K each, 4 seasonal movers, and $15K in packing supplies. Your revenue is about to triple — but every dollar of cost hits before the first customer pays. And in November? Revenue drops 60% but your truck payments, warehouse rent, and full-time crew payroll don't stop. That's the moving business. Feast and famine on a 12-month loop.
Here's what we fund for movers. $125K startup packages for 2 trucks and seasonal crew before summer hits. $4K/month warehouse leases for staging corporate relocation contracts. $16K bridge capital to keep your 4 full-time movers through winter so you don't lose them to a competitor in March. A mover in Denver funded $125K through us and did $380K in revenue that summer. The math on that investment is obvious. One application. No hard pull. Your trucks roll when the phone starts ringing.
Stop Watching Loads Pass You By. Get Your Moving / Relocation Operation Funded Today.
60 seconds. Soft-pull pre-qual. No obligation.
See What You Qualify For →Soft-pull pre-qual · Free to check · Nationwide