Moving is a sharply seasonal business: the late-spring-through-summer peak drives the bulk of the year's revenue, but trucks, crews, fuel, and marketing must be funded before that money lands — and the slow winter strains cash flow in between. This guide covers how moving companies fund the peak season and weather the off-season.
Why moving companies run cash-tight
Revenue is highly seasonal, trucks and equipment are costly, and the summer peak requires funding crews and trucks before the revenue lands. Banks underwrite slowly and weigh the off-season lull heavily, missing the strong peak-season cash flow.
Funding options for movers
Revenue-based funding (a merchant cash advance) advances a lump sum against your deposits and is remitted as a small share of revenue — usable to buy or repair trucks, hire and train crews ahead of peak season, cover fuel and payroll, and bridge commercial and van-line receivables. The advantage of revenue-based funding is speed and approval based on deposits rather than credit.
How approval works
Approval weighs your company's deposits and revenue, not your credit score or collateral, so a mover with steady deposits can be evaluated despite credit blemishes. Eligible applications can get a same-day decision with funding commonly within 24 to 72 hours. Not all applicants qualify.
The bottom line: moving funding should let you staff and equip before the summer rush. Y Millennial Funding is a direct funder of revenue-based funding for moving companies doing $25,000 or more in monthly revenue — a small business loan alternative, not a loan.