MCA for moving companies 2026 — the merchant's funding guide.

The 60-second answer

If you run a moving company doing $40K–$120K/month in peak-season deposits with at least 12 months of operating history, a valid MC number (for interstate), and a 560+ FICO, you can get funded in 2026 — typically at a 1.28–1.38 factor on a 9–12 month daily-ACH term. The fundable amount usually lands at 1.0–1.3x your peak-season monthly run rate.

The two things that move your rate down: clean FMCSA safety scores and a meaningful commercial/office-moving revenue mix. The two things that move your rate up: heavy residential concentration with BBB complaints and no off-season revenue plan.

Why moving is a unique MCA category

Moving companies have a revenue shape no other service business shares: roughly 60–70% of annual revenue lands between May and September. October through April is a fight to keep trucks rolling, crews retained, and insurance current. Funders who understand this structure underwrite very differently than funders who don't.

The industry has four risk factors funders consistently price for:

• Seasonality. Daily ACH on a flat schedule is brutal in January when revenue is 30% of July's. Quality funders size advances to be 50%+ paid down by November so the off-season burden is light.
• Claims and damage exposure. Cargo claims, hostage-load complaints, and BBB issues drive up insurance and depress funder appetite. Operators with clean records get the best rates.
• Equipment cost. Trucks, dollies, blankets, pads, trailers — capital equipment depreciates fast and breakdowns are common. Funders look for steady maintenance and fuel ACH as a sign the fleet is being kept up.
• 1099 helper labor model. Most movers use 1099 helpers during peak. Funders understand this but cap exposure when the operator has zero W-2 staff and no payroll provider on record.

Realistic factor rates by tier

Three tiers of moving-company MCA pricing, based on real 2026 quotes:

• A-paper mover (24+ months, 650+ FICO, $70K+ peak monthly, clean FMCSA scores, ProMover or AMSA member, 20%+ commercial/office revenue, no prior MCA): 1.24–1.30 factor on 12-month daily ACH structured to finish by next peak. Funders: Forward Financing, CFG Merchant Solutions, Credibly premium, certain trucking-friendly funders.
• B-paper mover (12–24 months, 580–650 FICO, $40K–$80K peak monthly, mixed residential/commercial, one paid-off advance, no major BBB issues): 1.32–1.40 factor on 9–12 month term. Funders: Credibly standard, Reliant Funding, Mantis Funding, Rapid Finance.
• C-paper mover (under 12 months OR 500–580 FICO OR currently stacked OR BBB complaints OR FMCSA conditional rating): 1.42–1.52 factor on a 6–9 month term, often a smaller advance ($15K–$40K). Funders here are aggressive on collections; choose carefully.

The bank-statement story that gets you funded

Underwriters look at 3–6 months of business bank statements — and for movers, they specifically want statements that include the most recent peak season if at all possible. Here's what they want and what kills deals:

What they want

• Peak-season ramp visible. If you're applying in August, they want May–July statements showing the seasonal lift. If you're applying in February, they want the prior year's peak statements available on request.
• Processor and platform deposits. Credit card processing on every job (Stripe, Square, Helcim) plus deposits from leads platforms (HomeAdvisor, Thumbtack, Bellhop, Updater) read as a real operating business. Cash-only mover statements are harder to underwrite.
• Fuel, insurance, and maintenance ACH. Fleet fuel cards (WEX, Comdata), commercial auto and cargo insurance, truck maintenance ACH — these line items prove the trucks are being run legitimately and kept up.
• Driver/helper payroll on a service. Even partial W-2 payroll via Gusto/ADP/Paychex is a positive signal. All-1099 operators aren't disqualified, but the file is harder to underwrite at A-paper rates.

What kills the deal

• NSF and overdraft fees. 3+ NSFs in a 3-month window — especially in shoulder season — signals you can't bridge the seasonal gap, which is exactly what the MCA daily ACH will test.
• Cash withdrawals matched to peak-week dates. Reads as off-the-books helper payroll. Even if legitimate, it disqualifies you from quality A-paper pricing.
• Stacking signatures. Multiple concurrent MCA debits trigger automatic decline at most A-paper funders. Movers are statistically high-risk for stack-driven default because the off-season can't carry two daily ACHs.
• FMCSA conditional or unsatisfactory rating. Funders pull SAFER on interstate operators. A conditional safety rating is an instant decline at most quality funders.
• Active claims or lawsuits. Pending damage suits, hostage-load complaints filed with state AG, or a class action involving your DOT number — all visible in basic underwriting checks. Disclose proactively or risk a hard decline.

Which funders actually like moving companies

Not all MCA funders treat moving equally. Based on 2026 placement data:

• Forward Financing — strong on A-paper movers with commercial mix. Their underwriting team understands seasonality and structures terms accordingly.
• Credibly — broad mover appetite across A and B paper. Publishes a prepayment discount schedule, which matters more for movers than most industries (peak-season cash can pay down the advance early).
• CFG Merchant Solutions — likes established multi-truck operators with office-moving revenue. Premium pricing for premium files. Will write larger advances for ProMover-certified operators.
• Reliant Funding — willing on B paper with seasonal businesses. Reasonable reconciliation policy if revenue drops, which matters in shoulder season.
• Trucking-friendly funders — operators with significant long-distance or interstate revenue sometimes get better quotes from trucking-focused funders (TBS, certain factoring/MCA hybrids) than pure restaurant/retail funders.

Funders to be cautious with for movers: anyone aggressively quoting under 1.20 on a first MCA, anyone who won't ask about your seasonality, and any broker who quotes you a "flat 12-month term" without asking when you'll be in peak season.

How much you can actually get

The fundable-amount formula most quality funders use for moving companies:

• First position (commercial-mix operator): 1.1–1.4x peak monthly deposits, capped at $300K for most multi-truck operators, $500K+ for large fleets with commercial-account concentration.
• First position (residential-only): 0.8–1.1x peak monthly deposits, capped at $150K for most single-truck or two-truck operators.
• Second position (if allowed): Almost never approved at A-paper. Quality funders decline mover stacks because the seasonal cash gap is unforgiving.
• Renewal: Most funders renew at 50%+ paid-down, ideally timed to pre-season (March–April) to fund peak ramp.

An $80K-peak-monthly mover should target a $80K–$110K first-position advance, not $150K. Oversized advances create off-season ACH stress that breaks coverage in January–February, when revenue is a third of peak.

What to do before you apply

Four steps that materially improve your rate and approval odds:

• Pull your FMCSA SAFER report. Know your safety scores before the funder does. If anything is conditional or there are recent out-of-service events, have an explanation ready.
• Reconcile your last 6 months of statements. For movers, 6 months is better than 3 — it shows shoulder-to-peak transition. Find every NSF and have a one-line explanation ready.
• Document your commercial mix. If you do office moves or recurring B2B relocation, list those contracts on a one-pager. It moves you up half a paper grade.
• Time the application to pre-peak if possible. March or April applications underwrite better than November or February applications. The funder sees ramp ahead, not a long off-season tail.

The honest tradeoff

An MCA is expensive money. For a moving company, a 1.32 factor on a 12-month term works out to roughly 55–60% APR-equivalent. That's the cost of speed and flexibility — no collateral, no real estate appraisal, no 60-day SBA timeline, funding usually in 1–3 business days.

For a confirmed-ROI use (additional truck for the peak season with a paid-off prior truck, lead-gen marketing ahead of May, payroll bridge for crew retention in March before peak hits), the math often works. For "smoothing out chronic off-season cash problems," it doesn't — that's how movers end up stacked, then unable to fund insurance renewals, then off the road.