Moving companies are seasonal and asset-heavy, with a demand surge every summer and expensive trucks to maintain year-round. Funding covers the fleet, seasonal crews, and the slow winter months.
What moving company owners use funding for
- Moving trucks and trailers
- Equipment: dollies, pads, lifts, and packing supplies
- Seasonal crew payroll during peak season
- Fuel, maintenance, and insurance
- Working capital to cover the slow winter
How much can you borrow?
Moving companies typically borrow $15,000 to $300,000 — equipment/vehicle financing for trucks, working capital to staff up for summer and bridge winter.
The cash-flow challenge for moving company owners
A large share of moves happen May through September, so you hire and equip for a surge, then carry fixed truck and insurance costs through a slow winter. Corporate and commercial moves may also pay on terms.
Tip: Line up seasonal working capital before summer — staffing and fuel for the surge is easier with cash already in place.
Best financing options
Trucks fit equipment/vehicle financing. Peak-season staffing and winter fixed costs suit working capital or a line of credit; commercial-move receivables can use A/R financing.
Before you sign any offer, run the numbers through our business loan & MCA calculator to see the real APR and total payback.
Fund your moving company
Trucks, seasonal crews, and winter costs — funding for a seasonal business.
Check My Funding OptionsFrequently asked questions
How do moving companies handle seasonal cash flow?
Working capital lined up before summer funds the staffing and fuel surge, then carries fixed truck and insurance costs through the slow winter.
Can I finance a moving truck with limited history?
Newer companies with steady revenue can often finance trucks as equipment, since the vehicle serves as collateral.