Short answer
Merchant Fund Express funds existing moving and junk removal franchise owners with equipment financing, working capital, lines of credit, business loans, merchant cash advances and revenue-based financing from $5,000 to $5,000,000. The top requests are an extra box truck or dump truck, crew payroll for the summer moving peak, truck repairs and disposal costs, and local marketing to keep the schedule full. Funding is sized on the location's own deposits, and a complete file usually gets a decision in 2–4 hours.
What moving and hauling owners fund
Hauling businesses earn by the truckload. Each truck on the road with a full crew is a revenue line; each truck in the shop is lost bookings. Owners call when they are turning away jobs or when a truck goes down in peak season.
Trucks
Box trucks, dump trucks and trailers. Adding one is often the fastest way to grow. See vehicle funding.
Crew payroll
Summer and month-end moving peaks mean more crews, more overtime, every week.
Repairs and fuel
Transmissions, tires and fuel bills that cannot wait until the slow season.
Bookings and marketing
Lead generation, local ads and trucks that double as rolling billboards.
Match the need to the funding
| If you need to… | Fits | Why |
|---|---|---|
| Add a truck to stop turning away jobs | Equipment financing | The truck anchors the deal; send the quote |
| Staff up for the summer moving peak | Working capital | One-time ramp, repaid from peak revenue |
| Ride out the winter slowdown | Revenue-based financing | Payments track revenue in slow months |
| Fix a truck now, today | Merchant cash advance | Fast, repaid as a share of deposits |
| Cover dump fees and fuel between job payments | Business line of credit | Draw for the gap and repay |
| Commercial clean-outs billed on terms | Invoice factoring | Open invoices to business customers on 30–90 day terms |
Truck or cash? The trade-off is laid out in Equipment financing vs working capital.
How a hauling location's deposits read
Moving and junk removal revenue is strongly seasonal, with heavy summer and month-end weeks and quieter winters. Deposits are mostly card payments from households, plus checks or transfers from property managers, realtors and commercial clients. A reviewer compares peak and off-peak months and looks at existing truck payments. List every truck note or lease up front and the new payment is sized realistically.
Seasonal swings are normal here, not a red flag. If your slow months worry you, read Seasonal cash flow and pick a structure whose payment moves with the calendar.
Every brand in this sector
Moving, junk removal, hauling, storage-and-moving and donation pickup franchises all run on trucks and crews. Own one of any brand? Merchant Fund Express funds the location on its own deposits.
Running a brand that is not named here? Put the brand on the application. Merchant Fund Express funds the location on its own deposits, whatever the logo over the door.
How fast it moves
- Apply in about 4 minutesName your brand, the location you operate, the amount and the use.
- Upload statements and IDThree months of business bank statements for the entity that owns the location, plus photo ID for each owner.
- Decision in 2–4 hoursMerchant Fund Express reads the deposits and current payments and comes back with the structure and the amount.
- FundsSame-day funding is available; funding often lands the next business day. Most files go from application to funds in under 72 hours.
What to send
No tax returns to apply. 500+ FICO accepted. Sole proprietors are eligible, Spanish-speaking support is available and ITIN applicants are accepted.
Owner questions, answered
Can a junk removal franchise finance another truck?
Yes. Trucks for an operating location are a common equipment financing request. Send the quote with your statements.
Can a moving franchise get funding before summer?
Yes. Working capital or revenue-based financing covers the crew and fuel ramp before peak season. Apply in spring for a smooth start.
How fast can I get a decision?
A complete file usually gets a decision from Merchant Fund Express in 2–4 hours, with same-day funding available.
I already have truck loans. Can I still apply?
Yes. List them. Existing payments are part of the review, not a reason to stop.
Are you affiliated with any moving or junk removal franchise?
No. Merchant Fund Express is independent and has no ties to any moving or junk removal franchisor.
Keep going
Merchant Fund Express is a separate company with no franchisor ties. Terms depend on the business's revenue and history.