Moving companies face extreme seasonality — summer is chaos, winter is crickets. Between $80K moving trucks, storage facility costs, and the crew scaling needed for peak season — movers need capital that flexes with the calendar.
This Is Why You're Here
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
Slide the calculator to see your estimated approval range. Then answer 3 quick questions to lock it in. No documents needed. No credit impact.
Built for Your Business
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.
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.
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.
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.
What You're Up Against
| Challenge | What It Looks Like | Funding Solution | Amount | Speed |
|---|---|---|---|---|
| Peak summer truck addition | June–August is 70% of revenue, need 3 more 26-footers | Equipment Financing | $60K–$180K | 5–10 days |
| Storage facility expansion | Adding 50 units to accommodate long-term moving contracts | SBA Loans or LOC | $50K–$200K | 5–30 days |
| Packing supply inventory | Boxes, blankets, tape — $15K pre-season inventory purchase | Working Capital | $10K–$25K | 1–3 days |
| Long-distance claim reserve | Customer damage claims averaging $3K each, need cash reserve | Working Capital | $10K–$30K | 1–3 days |
| Marketing for peak season | Google Ads, Yelp, and referral program need $10K before May | Working Capital | $8K–$20K | 1–3 days |
Pricing Transparency
| Product | Amount | Term | Rate | Speed |
|---|---|---|---|---|
| Moving Truck Financing | $10K–$5M | 3-6yr | 5-12% APR | 3-7 days |
| Working Capital | $10K–$2M | 3-18mo | 10-22% APR | 1-3 days |
| Business LOC | $10K–$5M | Revolving | 8-24% APR | 1-5 days |
| Invoice Factoring | $10K–$5M | Per invoice | 2-5% per invoice | Same day |
| Revenue-Based Financing | $10K–$1M | 3-18mo | 1.1-1.5 factor | 1-3 days |
Rates vary by credit, revenue, and time in business. These are typical ranges.
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
| Equipment | Cost | Tax Rate | Deduction | Tax Savings | Net Cost |
|---|---|---|---|---|---|
| 26-ft box trucks (x3) | $195,000 | 40% | $195,000 | $78,000 | $117,000 |
| Loading ramps + dollies | $12,000 | 35% | $12,000 | $4,200 | $7,800 |
| Storage containers (x20) | $40,000 | 35% | $40,000 | $14,000 | $26,000 |
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, Basecamp Funding - Founder
How It Works
No paperwork avalanche. No bank lobby. No guessing.
Answer a few quick questions about your business. No documents needed yet.
We check your options with zero impact on your FICO. Your score stays untouched.
Your profile is matched to 70+ lending partners. They compete - you never hear from them directly.
Your funding specialist presents your best options. No spam calls. No runaround.
Choose the rate and terms that fit. Sign digitally. Funds hit your account - same day available.
Moving / Relocation Capital Uses
Semis, reefers, flatbeds, box trucks, trailers. Finance your next unit without a massive down payment.
Diesel, DEF, tolls, permits, lumper fees. Bridge the gap between delivery and payment.
Add trucks, hire drivers, take on bigger contracts. Scale without draining your reserves.
Engine rebuilds, tires, DOT inspections, breakdowns. Keep your trucks on the road, not in the shop.
Liability, cargo, physical damage, MC authority, IFTA. Cover the costs that never stop.
CDL drivers, owner-operator settlements, office staff. Fund payroll while you wait on broker payments.
Full Transparency
Most lenders won't tell you this upfront. We will.
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.
68% of loan denials happen because of weak financials at time of application. The best time to apply is when your business is performing — not when you're scrambling.
Ready?
Slide the calculator, answer 3 questions, and a specialist pulls your options within the hour.
Click any specialty for tailored financing options.
Recommended Products
Cover fuel, repairs, and insurance while waiting on brokers to pay.
Learn More →Finance trucks, trailers, and fleet additions — asset-backed rates.
Learn More →Revolving access for fuel, maintenance, and operating expenses.
Learn More →Get paid on loads today instead of waiting 30-45 days.
Learn More →FAQs
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.
60 seconds. No credit impact. No obligation.
See What You Qualify For →No hard credit pull · Free to check · Nationwide