Funding for Moving Companies
Moving is seasonal and front-loaded: staff and equipment ahead of the summer wave, collect through it, survive the winter after it. Capital timed to that curve is the difference between a full calendar and turned-away jobs.
Every mover knows the calendar: the summer months carry the year, and the companies that win them are the ones that walked into May fully staffed, fully trucked, and fully insured. All of that gets paid for in March and April, when cash is at its thinnest. Then the corporate and relocation accounts — the best revenue in the business — pay on net-30 or net-60 after the shipment delivers, while your crews got paid the same week they loaded the truck. Banks do not move fast enough to matter in that window. Broadway does: three months of bank statements, one short form, soft credit pull, same-day decision, and funding in as little as 24 hours. Walk into peak season ready instead of rationing.
The challenge
The year is won or lost between May and September, and everything that wins it — trucks, crews, DOT insurance, marketing — has to be paid for in the slow spring before peak revenue shows up. Corporate and relocation accounts then pay you on net terms after the job.
How Broadway Advance helps
Moving is seasonal and front-loaded: staff and equipment ahead of the summer wave, collect through it, survive the winter after it. Capital timed to that curve is the difference between a full calendar and turned-away jobs.
What owners use it for
- Add or lease trucks and trailers before the summer peak
- Hire and train crews in spring, ahead of peak booking volume
- Cover DOT insurance, permits, and compliance costs that renew before the season
- Float payroll while corporate and relocation accounts pay on net terms
- Fund spring marketing when customers are booking summer dates
- Carry the company through the winter trough without cutting your best crews
See your real number in about five minutes.
Apply nowFunding options that fit moving companies
Equipment Financing
Buy the equipment you need; the equipment itself secures the deal.
Up to 100% of equipment cost →Merchant Cash Advance
Immediate cash today in exchange for a small slice of future sales.
Up to $2,000,000 →Business Line of Credit
A revolving cash reserve you only pay for when you draw on it.
Flexible limits →Moving Companies funding questions
Spring is our weakest cash position but the best time to invest. How do we square that?
That mismatch is the whole reason movers call us. You can borrow against the season everyone knows is coming: underwriters read your statements across the year and understand the shape, and an MCA's remittance tracks revenue, so the spring weeks cost less per week than the loaded summer ones. The cleaner move is applying off last summer's strong statements in the fall and holding a line of credit through winter — but if it is April and you need trucks, same-day decisions exist for a reason.
Corporate accounts pay slow but we want more of them. Does growth make the cash crunch worse?
In the short run, yes — every new net-60 account means more payroll you cover before their check arrives, and you should grow with eyes open. But corporate work is steadier and better-margin than chasing one-off residential jobs, so the crunch is worth financing through. A line of credit sized to your receivables cycle handles it: draw to cover the crews, repay when the account settles, draw again. Cheaper than an advance, built for a repeating gap.
Can we finance used trucks? New ones do not make sense at our size.
Yes — equipment financing covers used trucks and trailers from reputable dealers, with the vehicle itself as collateral, at up to 100% of cost. For most moving companies used is the right call, and the financing math works the same. What it does for you is bigger than the truck: it keeps your cash free for the spring hiring and insurance spend that nothing else will cover. One form, three months of statements, soft credit pull, same-day decision.