Term Loans for Moving Company

Reviewed by Malik Samara · Updated May 2026

Manu helps moving company owners across the United States get matched with the right lender — fast. Pre-qualify in minutes through Manu's partner application — access a 75+ lender network with real, competitive offers, no hard credit check.

Disclosure: Manu is a loan partner, not a direct lender, and may earn a referral fee on funded loans. This does not change the rate or terms you receive.

$2B+Funded via Our Network

75+Lenders in Our Network

10K+Businesses Funded

How moving company businesses use this financing

Common uses of funds:

Box trucks, semi tractors, and moving trailers
Pads, dollies, lifting equipment, and packing supplies
Storage facility leases and build-out
Working capital for summer hiring (peak moving season)

Typical loan size: Moving company loans typically range from $25K to $500K, with multi-truck fleets reaching $1M+.

Seasonality: 70-80% of annual revenue happens May-September; winter months often require credit-line bridging.

Most common reason for decline: Moving companies are often declined for high seasonality, FMCSA compliance gaps, or insurance-claim history.

Best-fit products for moving company: Equipment Financing, Lines of Credit, Term Loans.

Capital use cases for moving company businesses

Truck fleet: A $25K–$300K equipment loan funds box trucks, tractors, and trailers, repaid over 3–5 years as bookings grow.
Equipment & supplies: A $25K–$100K loan funds pads, dollies, lifting equipment, and packing supplies to staff more crews.
Peak-season hiring: A $25K–$150K line of credit funds summer hiring and payroll, when 70–80% of annual revenue lands.

Funding options for moving company businesses

Small Business Loans

$10K–$10M with terms up to 5 years. Funding in 1–3 days. FICO 580+.

SBA Loans

$50K–$5M government-backed financing up to 25 years at Prime + 1–2.75%.

Lines of Credit

$10K–$5M revolving capital with same-day funding. FICO 600+.

Equipment Financing

$10K–$5M to purchase or lease equipment. Up to 5 years. FICO 550+.

Merchant Cash Advance

$10K–$10M against future sales. Same-day funding, no minimum FICO.

A/R & Inventory Financing

Borrow up to 95% of receivables or 85% of inventory value.

Why Moving Company owners choose Manu

Same-day to 1–3 day funding

Lines of credit and merchant cash advances can fund the same day. Most moving company loans wire in 1–3 business days.

75+ lenders, one application

Apply once through Manu's partner application — your file is shopped across a 75+ lender network so moving company owners get the best terms available.

Soft credit check only

Pre-qualifying takes about 3 minutes and won't affect your credit score. Just basic business details and your recent bank statements.

Lower credit accepted

Equipment financing accepts FICO 550+. Merchant cash advances and A/R financing have no minimum FICO when revenue is strong.

How moving company business loans work with Manu

Apply in 3 minutes

Tell us about your moving company business and share your recent bank statements to pre-qualify.

Compare offers

Manu's partner application matches you with lenders that fund moving company businesses and shows you real numbers.

Get funded

Accept the offer that fits, sign electronically, and receive funds in as little as 24 hours.

Ready to fund your Moving Company business?

Get matched with offers in minutes — no hard credit check.

See My Offers

Moving Company Term Loans by state

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Other funding options for moving company businesses

Moving Company Loan Moving Company SBA Loan Moving Company Line of Credit Moving Company Cash Advance Moving Company Revenue Financing Moving Company Working Capital Moving Company Equipment Loan Moving Company Factoring

Frequently asked questions

What kind of business loans can Moving Company owners qualify for?

Through Manu's partner application, moving company owners can access small business loans ($10K–$10M), SBA 7(a) and 504 loans ($50K–$5M), business lines of credit, equipment financing, merchant cash advances, accounts receivable financing, and inventory lines. Terms are tailored to your revenue and time in business.

How fast can a Moving Company business get funded?

Lines of credit and merchant cash advances can fund the same day for qualifying moving company businesses. Small business loans and equipment financing typically fund in 1–3 business days. SBA loans take 4–10 weeks due to government underwriting.

What credit score do I need for Moving Company financing?

Minimum FICO depends on the product: equipment financing starts at 550, small business loans at 580, lines of credit at 600, and SBA loans at 660. Merchant cash advances and accounts receivable financing have no minimum FICO — they're underwritten on revenue and receivables instead.

Will applying hurt my credit score?

No. Pre-qualification uses a soft credit check that does not affect your credit score. A hard pull only happens if you accept a final offer from a lender.

What documents do Moving Company businesses need to apply?

To pre-qualify, you'll share basic business information plus your most recent 3 months of business bank statements. To finalize an offer, most lenders ask for 3–6 months of bank statements in total. Larger loans may also require tax returns or financial statements.

Sources & references

Loan-product criteria, funding-speed ranges, and credit-score thresholds on this page are validated against current lender requirements and the following primary sources: