MOVING COMPANIES • LINE OF CREDITMoving company financing — keep every truck on the road
Loot offers moving companies an unsecured business line of credit from $5,000 to $100,000. Use it to cover fuel, crew payroll and packing equipment, or give your business the room to take on a larger long-distance job without draining the cash needed for everything else. Established moving companies with 1+ year in business and $200K+ in annual revenue can check their options with a soft pull. Requests up to $30K get an instant decision, while larger requests may take a few more minutes.
No collateral
No hidden fees 
Same-day funding for $49
Moving company challenges: fuel, payroll and seasonal demand
Moving companies often need to cover fuel, packing materials and crew payroll before a job is fully paid, especially on long-distance moves where final payment lands on delivery. Summer is peak moving season, but the busy months can strain cash flow just as much as the slow ones once trucks, fuel and crews are all running at full capacity.
Cover fuel and crew payroll before the job is fully paid- Purchase packing materials, dollies and moving equipment upfront
- Ride out the slow season between summer moving spikes
Where a moving company line of credit does the heavy lifting
Six moments when moving-company cash flow needs backup — and how a Loot line of credit can help.
Cover fuel and crew payroll on long-distance jobs
A long-distance move can mean days on the road with fuel, lodging and crew payroll due before the customer pays on delivery. A quick draw can help cover these costs without pulling cash away from other scheduled jobs.
Take on a larger commercial or long-distance move
A big office relocation or interstate move can be great business, but it may require more trucks, more crew, and more fuel upfront before the job is billed. A line of credit can give moving companies the working capital to accept and mobilize the job without putting current work under pressure.
Purchase packing materials and moving equipment
Boxes, blankets, dollies, straps and packing supplies need to be stocked before a job starts. A line of credit can help secure what the crew needs without pulling cash away from the rest of the business.
Ride out the slow season
Moving demand peaks in the summer and slows down over the winter, but trucks, insurance and payroll don't take the off-season off. A revolving line can help smooth the gap between a busy season and a quieter one.
Handle truck and equipment repairs
A moving truck, lift gate, or piece of equipment going down mid-job can delay more than one move. A line of credit can help cover repairs or a rental truck before the issue affects the schedule.
Cover insurance, bonding and licensing costs
DOT registration, liability insurance and bonding requirements — especially for interstate movers — can land all at once and before a job is billable. A line of credit can help cover these costs so a move isn't held up on paperwork.
How a moving company line of credit helps
A business line of credit for moving companies provides flexible capital for fuel, payroll and equipment. Draw loot when needed, repay as jobs pay out, and keep every truck on the road.
Loot for fuel
Draw capital instantly to cover fuel, tolls, and crew payroll on the road.
No hidden shocks
Only pay for what you use — no extra fees loaded onto the bill.
Fits any fleet size
From a single truck to a multi-crew operation, the line flexes with your needs.
Trusted by moving company owners
Built by operators who understand fuel costs, crew payroll and seasonal demand. Transparent pricing, no hidden shocks.
Speed that beats a moving deadline
From application to funding, Loot provides moving companies with capital faster than a truck can be loaded.
Flexible like a moving schedule
Use a little or a lot. Repay as invoices clear. Scale limits as the business grows.
How a Loot line of credit works for a moving company
Say your business needs $13,000 for fuel and crew payroll on a multi-day long-distance move, plus packing materials for the next job on the calendar. With Loot, you can draw $13,000 from your approved line.
Before you confirm, you choose a fixed weekly repayment plan upfront, such as 16, 20, or 24 weeks. You see the total cost before you move forward.
If the job is paid on delivery sooner than expected and you pay the draw off early, there is no prepayment penalty. Paying off early can save up to 50% of remaining fees.
As you repay, your line revolves — the funds become available again as you pay down the draw. Same-day approval is standard, decisions happen in minutes, and once approved, same-day funding is available for a $49 transfer fee.
Requirements for moving company financing
To qualify with Loot, your moving business needs:
1+ years
$200k+
None
Checking eligibility is a soft pull, so it does not impact your credit score, approved or not. Loot looks at real business cash flow, not just a credit score.
Moving company line of credit vs. term loan vs. business credit card
| Features | Business Line of Credit | Term Loan* | Business Credit Card |
|---|---|---|---|
| How you access funds | Draw from an approved credit line when your moving business needs funds | Receive one lump sum upfront | Use the card for purchases up to the credit limit |
| What you pay for | Only the amount you draw | The full loan amount* | Purchases made on the card |
| Repayment | Each draw has a fixed daily, weekly, bi-weekly, or monthly repayment plan chosen upfront | Usually fixed payments over a set term* | Minimum monthly payments, with added fees if a balance carries |
| Revolves? | Yes, the line revolves as you repay | No, it is a one-time loan* | Yes, available credit renews as you pay |
| Best for | Fuel and payroll timing, packing materials, seasonal gaps, equipment and insurance costs | Larger one-time projects or major equipment purchases | Smaller purchases, subscriptions, or everyday expenses |
A term loan* can fit one large purchase. A business credit card can fit smaller daily expenses. A business line of credit can fit repeat moving-company needs, like fuel and payroll timing, packing materials, seasonal gaps, and equipment repairs.
What moving company owners can use a line of credit for
- Fuel, tolls, and lodging on the road
- Packing materials, boxes, and moving equipment
- Crew payroll and day-labor costs
- Insurance, bonding, and DOT registration
- Truck and equipment repairs
- Seasonal slowdowns between peak months
- Supplier invoices and job deposits
- Hiring, expansion, or a new truck
Draw funds when the business needs them. Repay on the weekly plan you choose upfront. Keep your treasure chest available as you repay.
Financing for local moving companies
Financing for local moving companies can help owners manage crew payroll, fuel, and job timing. A line of credit can help cover labor and materials while invoices are still open.
Financing for long-distance and interstate movers
Financing for long-distance and interstate movers can help cover fuel, lodging, and crew payroll on multi-day jobs where final payment lands on delivery. A line of credit can help a business keep moving before the invoice clears.
Financing for commercial and office relocation movers
Financing for commercial and office relocation movers can help cover the bigger crews, trucks, and fuel costs these jobs require upfront. A line of credit can help keep a relocation on schedule while billing catches up.
Financing for residential moving and packing services
Financing for residential moving and packing services can help cover packing materials, boxes, and crew payroll before a job is fully billed.
Financing for moving and storage companies
Financing for moving and storage companies can help cover facility costs and crew payroll across both moving and storage operations. A line of credit can help smooth cash flow between the two sides of the business.
Financing for moving trucks and equipment
Financing for moving trucks and equipment can help when a truck, lift gate, or dolly needs repair or replacement. With Loot, you can draw for the expense, see the total repayment before confirming, and pay it down early if invoices clear sooner.
Moving Company Financing FAQs
Yes. Moving companies can apply for a Loot business line of credit if they have 1+ year in business and $200K+ in annual revenue. Loot offers $5,000 to $100,000 with no collateral required.
Loot has no minimum FICO score requirement. Underwriting looks at real business cash flow, not just a credit score. Your moving business still needs 1+ year in business and $200K+ in annual revenue to qualify.
Moving companies can get a decision in minutes, and same-day approval is standard. Requests up to $30K get an instant decision, while larger requests may take a few more minutes.
Yes. Once approved, same-day funding is available for a $49 transfer fee. Transfer timing may depend on bank processing times and applicable cut-offs.
No. Checking eligibility with Loot is a soft pull. It does not impact your credit score, approved or not. You can review your options before deciding whether to draw from the line.
Yes. Moving companies can use a Loot line of credit for fuel, tolls, boxes, blankets, and other packing materials. You see the total cost before confirming and only pay when you draw.
Yes. Moving companies can use a Loot line of credit for crew payroll, truck repairs, and equipment costs. You choose a fixed weekly repayment plan upfront before confirming the draw.
Yes. A line of credit can help cover payroll, insurance, and truck costs when moving demand slows down for the season, and it revolves as you repay.
Apply for moving company financing today
Whether you need to keep current jobs moving or want more room to take on a larger long-distance move, a business line of credit can give your moving company working capital without draining the cash needed for everything else.
Get $5,000 to $100,000. Apply in under five minutes with a soft pull that won't affect your credit score. If approved, draw what you need, see the total cost before confirming, and keep your treasure chest available as you repay.
No collateralNo hidden fees Same-day funding for $49