The specs
CrediblyBluevine
Product typeMulti-productLOC
Amount range$5K – $600K$10K – $250K
Cost (factor / APR)Factor 1.11+ (MCA); APR varies (term)APR 6.2% – 27% (LOC)
Speed to fundAs fast as 4 hours1 – 3 business days
Min time in business6 months12 months
Min monthly revenue$15,000$10,000
Min credit score550+625+
Products
- MCA
- Working capital LOC
- Short-term term loan
- Line of credit
- Invoice factoring
Verdicts by use case
- Independent local moving company doing $30K – $100K/mo with B-paper owner credit — Winner: Credibly. Independent local moving companies operate with concentrated seasonal demand (May – September peak typically 50 – 60% of annual revenue), high labor cost cycle (hourly mover crew on every job), DOT regulatory compliance overhead (USDOT number, state motor carrier authority, MC number for interstate), vehicle fleet capital cost (box trucks and tractor-trailers $25K – $150K each), high insurance cost (commercial auto, cargo, general liability, workers comp typically $15K – $50K+ annually per truck), and owner-operator FICO often in the 580 – 640 band. Credibly's 550+ FICO floor and $15K/mo revenue floor as of 2026-06-30 fits typical independent moving company files; Bluevine's 625+ FICO floor structurally declines many lower-FICO moving company owner files. For typical B-paper independent moving company files Credibly is structurally primary.
- Established multi-truck moving company with 680+ FICO doing $150K+/mo — Winner: Bluevine. Established multi-truck moving companies with A-paper credit (680+ FICO, 36+ months TIB, $150K+/mo) operating year-round commercial and residential moves qualify cleanly for Bluevine LOC at APR 14 – 22% for revolving working capital covering seasonal hiring ramp, fuel float, and equipment maintenance — materially cheaper than Credibly MCA factor 1.18 – 1.26 effective APR 35 – 55% typical for moving company A-paper. For A-paper established multi-truck movers Bluevine LOC is structurally primary on cost.
- Van Line affiliation and interstate move capital alternatives — Winner: Tie. Moving companies affiliated with major van lines (United Van Lines, Mayflower, Allied Van Lines, North American Van Lines, Atlas Van Lines, Bekins) have structurally favorable interstate move capital alternatives — van line agent agreements include settlement timing structures and operational support that reduce working capital need on interstate moves vs independent operation. Tie because the realistic recommendation evaluates van line affiliation economics in parallel with both Credibly and Bluevine — van line agency relationships fundamentally restructure moving company working capital cycle.
- Speed for seasonal hiring ramp at start of peak moving season — Winner: Credibly. Moving companies face concentrated seasonal capital deployment pressure at start of peak season (May 1) — additional mover crew hiring, additional truck deployment, marketing spend ramp (Google Ads, Yelp, Thumbtack, Angi competitor bidding intensifies for May – August moving leads). Credibly's 4-hour funding beats Bluevine's 1 – 3 business day funding for genuine seasonal ramp capital. For moving company seasonal ramp emergency capital Credibly is structurally primary on speed.
- Capital amount for truck fleet expansion or interstate authority deployment — Winner: Credibly. Moving company truck fleet expansion (additional box trucks $25K – $80K each, additional tractor-trailers $50K – $150K each, additional moving equipment dollies, pads, straps, hand trucks) for major capacity expansion typically scales $200K – $600K+. Credibly MCA scales to $600K supporting major fleet deployment; Bluevine LOC caps at $250K which constrains larger moving company fleet expansion. For moving company expansion capital above $250K Credibly is structurally primary on capital amount.
The honest takeaway
Credibly and Bluevine solve overlapping but distinct problems. The right choice depends on three things you already know about your business: how fast you need the money, how long you've been operating, and whether the capital need is one-time or recurring.
Frequently asked questions
- How do Credibly and Bluevine underwrite moving companies as of 2026-06-30?
- Credibly and Bluevine underwrite moving companies with materially different industry posture as of 2026-06-30. Credibly's underwriting accepts moving companies (local residential movers, long-distance movers, commercial movers, specialty movers — piano/art/safe/medical equipment, van line agents, self-storage operators with moving services) at B-paper or A-paper pricing depending on owner credit profile; 550+ FICO floor and $15K/mo revenue floor accommodates typical moving company files. Bluevine's 625+ FICO floor structurally declines lower-FICO moving company owner files; qualifying moving companies see Bluevine LOC APR 14 – 22% materially cheaper than equivalent Credibly MCA. The realistic moving company capital framework: (1) B-paper moving company files route to Credibly MCA structurally; (2) A-paper established multi-truck files evaluate Bluevine LOC first for cost optimization; (3) Van line affiliation (United, Mayflower, Allied, North American, Atlas, Bekins) for interstate move operational support; (4) Equipment and vehicle financing for box trucks, tractor-trailers, moving equipment at 8 – 16% APR via Ford Commercial Financing, GM Commercial Financing, Crest Capital, Balboa Capital, Geneva Capital; (5) Invoice factoring for commercial moving receivables via altLINE, RTS Financial, Triumph Business Capital; (6) SBA 7(a) for moving company acquisition or major capital deployment at 11 – 14% APR. Moving company industry-specific considerations: concentrated seasonal demand (May – September peak); DOT regulatory compliance (USDOT, MC authority for interstate, state motor carrier authority); high commercial insurance cost; cargo claim exposure and risk; binding vs non-binding estimate regulations; FMCSA tariff compliance for interstate; high mover crew labor turnover; fuel cost volatility; vehicle maintenance and downtime exposure.
- What capital structure makes sense for a 6-year multi-truck moving company doing $180K/mo with 690 FICO needing $150K for seasonal hiring ramp and additional truck?
- Bluevine LOC and equipment financing are structurally primary for this moving company seasonal ramp file as of 2026-06-30. The realistic moving company seasonal ramp + truck capital playbook: (1) Route to Bluevine LOC as structural primary for seasonal working capital — file qualifies cleanly for Bluevine (690 FICO well above 625 floor, 6 years TIB, $180K/mo revenue). Expected Bluevine offer: $150K – $250K LOC at APR 14 – 20%. Revolving structure ideal for seasonal hiring ramp (draw for crew hiring/training and marketing ramp in April – May, repay on summer revenue collection, redraw for next year's seasonal cycle). (2) Route truck portion to commercial vehicle financing — used box truck (Hino 268, Isuzu FTR, Freightliner M2) $40K – $80K typical, used tractor-trailer $60K – $120K typical; commercial vehicle financing at 8 – 14% APR through dealer-direct financing or Crest Capital, Balboa Capital, Geneva Capital with vehicle as collateral. Materially cheaper than MCA / LOC for vehicle portion over 5 – 7 year financing term. (3) Evaluate Credibly MCA as backup for fastest seasonal ramp timing — expected offer: $100K – $200K MCA at factor 1.20 – 1.28 for 6 – 9 month payback. (4) Evaluate invoice factoring for commercial receivables — corporate relocation accounts and commercial office move receivables typically Net 30 – Net 60; factoring at 1.5 – 4% per 30 days accelerates cash conversion. (5) Van line agent considerations — if affiliated with major van line evaluate van line financing programs and settlement timing structures; van line agreements may include working capital support during peak season. (6) Seasonal ramp timing — peak moving season ramp typically begins April 1 with hiring/training, marketing spend acceleration, and equipment deployment for May 1 – September 30 peak window. Capital deployment timeline 60 – 90 days pre-peak. (7) Long-term capital strategy — pursue SBA 7(a) for major capital deployments and competitor acquisitions; build Bluevine LOC as primary revolving working capital; equipment financing for fleet expansion. The realistic recommendation: route to Bluevine LOC for seasonal working capital as structural primary; route truck portion to commercial vehicle financing; evaluate invoice factoring for commercial receivables; Credibly MCA as backup for speed; consider van line affiliation economics if not currently affiliated.
- Which is right for a 3-year local moving company doing $40K/mo with 615 FICO needing $30K for additional box truck and crew expansion?
- Credibly is structurally primary for this file as of 2026-06-30 because 615 FICO falls below Bluevine's 625 floor — Bluevine declines structurally on credit profile. The realistic local moving company expansion capital playbook: (1) Route to Credibly as structural primary in this 2-way — file qualifies for Credibly's box (615 FICO above 550 floor, 36 months TIB above 6-month minimum, $40K/mo revenue above $15K floor). Expected Credibly MCA offer: $20K – $35K MCA at factor 1.26 – 1.36 for 6 – 9 month payback reflecting moving company B-paper risk profile. Effective APR roughly 50 – 70%. (2) Route box truck portion to commercial vehicle financing — used box truck (Hino 195, Isuzu NPR, Ford F-650) $25K – $50K typical; commercial vehicle financing at 9 – 14% APR with vehicle as collateral over 5 – 7 year term. Materially cheaper than MCA for vehicle portion. (3) Crew expansion considerations — additional mover crew hiring requires immediate payroll capital plus 30 – 60 day ramp before crew productivity reaches full capacity; budget $8K – $20K working capital per additional 2-person crew through ramp period. (4) Evaluate Forward Financing and Greenbox Capital as parallel B-paper alternatives. (5) Marketing capital consideration — local moving company customer acquisition typically through Google Ads ($30 – $100 cost per lead in competitive markets), Yelp Ads, Thumbtack, Angi (Angie's List), and direct mail; budget 8 – 15% of revenue for marketing in growth phase. (6) Long-term capital strategy — at 625+ FICO and 48+ months TIB graduate to Bluevine LOC for revolving working capital; consider van line affiliation for interstate move volume and operational support; pursue SBA 7(a) for major fleet expansion at 11 – 14% APR. The realistic recommendation: route truck portion to commercial vehicle financing; route operational working capital and crew ramp to Credibly MCA; evaluate Forward Financing and Greenbox in parallel; plan FICO migration for future Bluevine LOC graduation; consider van line affiliation economics for revenue diversification.