Industries we fund · Moving Companies
Working capital for moving company businesses
Moving is a calendar business: end-of-month spikes, summer peaks, a winter trough. Trucks, crews, and insurance bill all year, but the season decides when the revenue shows up.
Clearwater places moving company files with funding partners that already know the industry: $10K to $2M, sized off your real bank deposits, with no hard credit pull to apply. Searching for moving company business loans? What we place is revenue-based funding - an advance repaid out of daily deposits - and this page explains exactly how it prices so you can compare honestly.
How funders read a moving company file
Funders know the moving calendar cold and read trailing months against the season they cover. A book applying in September off a strong May-through-August prices off real strength; a February applicant is priced off the trough unless the file tells the summer story. The strongest blend is card deposits from residential jobs plus invoiced corporate and military relocation work - contract revenue reads as durable and smooths the seasonality. End-of-month deposit clustering is normal and reads as the industry's rhythm, not volatility. Watch items: chargebacks from disputed moves, which read as service risk, and deposit gaps when a truck sat down.
What moving company businesses use the capital for
- A truck or trailer added before peak season
- Hiring and training summer crews ahead of the ramp
- Insurance down payments - cargo and liability premiums are front-loaded
- Marketing spend in spring when booking season opens
- Bridging corporate relocation invoices on net terms
What the numbers look like
Most files support roughly half to 1.4 times monthly bank deposits - where a file lands depends on deposit consistency, time in business, and existing positions. As an illustration only: a moving company business depositing $50,000 a month might see an advance around $45,000, repaid as about $283 per business day until a fixed $59,400 is paid. The total is fixed on day one - it never compounds or grows - and most deals carry prepayment discounts, shown with your offer.
| Advance range | $10,000 - $2,000,000 |
| Monthly revenue floor | $10,000 in business deposits |
| Time in business | 6+ months |
| Credit | Cash flow weighs more - scores from 450 workable |
| To apply | No hard credit pull. 4 months of statements + month to date |
Moving Companies funding questions
Can a moving company qualify in the off-season?
Often, but the number reflects trailing winter deposits. If you can wait, applying in late spring with two strong months behind you prices meaningfully better.
Do corporate relocation contracts change my file?
Yes. Invoiced corporate and military work reads as contract revenue - predictable, verifiable, and it smooths the seasonal curve funders otherwise price around.
A customer disputed a move and charged back. Does that kill the file?
One chargeback with a story does not. A pattern of them reads as service risk. If a bad month had a one-off cause, tell us - explained anomalies keep files alive.
See your number, not a sales pitch
Two minutes, no hard credit pull, and the estimate is sized off your real deposits.
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