How to Finance an Ox Strong Moving Franchise: Pink Truck Fleet
By Anthony Cornella
An Ox Strong Moving franchise loan pays for a business that lives on the road: box trucks, moving equipment, a hired crew and the cash to carry payroll until booked moves turn into deposits. Ox Strong Moving is a Florida moving brand known for its pink trucks, and it now offers franchise territories to new owners and to established local moving companies that want to join the brand.
US Professional Funding is not affiliated with, sponsored by or endorsed by Ox Strong Moving; the name is used only to describe the business. Figures in the franchisor’s disclosure document can change, loan programs vary and every loan is subject to approval. Nothing here is legal, tax or investment advice. Get the current Franchise Disclosure Document (FDD) and review it with a franchise attorney and an accountant before you sign or borrow.
Ox Strong Moving Franchise Loan at a Glance
- Concept: local, residential, commercial, student and long-distance moving, plus packing and unpacking, run under a recognizable pink-truck brand.
- Home market: the company’s office is in Gainesville, Florida, and its consumer site lists service areas across Florida, including Gainesville, Tampa, Fort Myers, Naples, West Palm Beach and Fort Lauderdale.
- Founder: Zach Kielbasa, who started the company while studying business at the University of Florida.
- Reputation the franchisor cites: more than 3,000 five-star reviews, according to its franchising page.
- Support: a central sales team that books moves onto the owner’s calendar, coaching from the CEO, marketing, branding, and accounting and KPI reporting help.
- Territory: exclusive territory rights for each owner.
- Fees and investment: the franchise fee, royalty, marketing fee and estimated initial investment are not published on the franchisor’s website; they are disclosed in the FDD.
- SBA Franchise Directory: listed under code S8945 with no additional notes.
What Is Ox Strong Moving?
Ox Strong Moving grew out of a simple observation. Its founder, Zach Kielbasa, was a business major at the University of Florida when he noticed friends hiring movers and asked, in the company’s words, “Why hire a stranger?” The company built its brand around friendly, hand-picked crews and a customer-first service promise.
Its pink trucks are central to its marketing, and the franchising page calls the company one of Florida’s fastest-growing moving franchise opportunities.
Who the franchise is for. The franchisor targets two groups: entrepreneurs and business professionals who want to build a moving company, and established local moving companies that want to operate under a known Florida brand. Prior moving, logistics or service experience is described as a plus but not required.
How lenders see it. Ox Strong Moving is an emerging franchise system with a short franchising history and a concentrated Florida footprint. Lenders will lean less on brand-wide data and more on the owner’s own capital, management ability, fleet plan and local demand. Our article on financing an emerging franchise explains how underwriting changes for younger systems.
Ox Strong Moving Franchise Costs
Because the franchisor does not publish its fees or investment range online, the FDD is the only reliable source for exact numbers. Use the categories below as a checklist when you read Items 5, 6 and 7.
Initial franchise fee. Item 5 discloses the fee and whether it varies for multiple territories or for converting an existing moving company.
Trucks and equipment. Trucks are usually the largest asset decision in a moving franchise. Ask whether the brand requires a minimum number of trucks, specific sizes and the pink wrap package, and whether used or leased vehicles are allowed. Dollies, pads, straps, ramps and packing supplies come on top.
Yard, insurance and opening costs. Owners need somewhere to park trucks and store equipment, plus vehicle, cargo, liability and workers’ compensation coverage. Training travel, grand-opening marketing and the additional funds for the first months round out the budget; the franchisor says owners need financial capacity to cover both startup and operating capital.
Items to look for in the Item 7 table:
- Initial franchise fee
- Trucks, wraps and vehicle down payments or lease deposits
- Moving equipment and supplies
- Office, yard or storage lease deposits and setup
- Technology, phones and software
- Insurance deposits, licenses and permits
- Training travel and expenses
- Grand-opening and local marketing
- Additional funds for the initial operating period
See franchise start-up financing for how these pieces fit into one loan.
Ongoing Fees and How They Affect Your Loan
Item 6 lists the royalty, any marketing or brand fund contribution, technology fees, sales-center or call-center charges and transfer and renewal fees. Ox Strong Moving’s central sales team books incoming leads for owners, so ask exactly how that service is priced.
How lenders use these fees. When sizing an Ox Strong Moving franchise loan, lenders deduct royalties and required fees from projected revenue before measuring what is left for loan payments. Moving is labor-heavy and fuel-sensitive, so projections should show crew wages, fuel, truck maintenance and insurance alongside franchise fees.
Franchisor Requirements for New Owners
The franchising page describes the ideal owner as a driven, customer-first operator ready to lead a team and follow a proven system. The qualities it lists include:
- An entrepreneurial mindset focused on ownership and growth
- A customer-first attitude focused on quality
- The ability to lead, motivate and develop a team
- Willingness to follow the system while adding local energy
- Financial capacity to cover startup and operating capital
- Moving, logistics or service experience as a plus, not a requirement
The approval process. The franchisor describes five stages: an initial inquiry, a discovery phase to review the model and market, a review and approval stage that includes a full team introduction and a financial review, training and launch, and ongoing support. Start your financing conversation during discovery so your loan timeline lines up with franchisor approval.
Ways to Own an Ox Strong Moving Franchise
A new territory. A start-up owner assembles a fleet and crew and opens with franchisor support. Lenders underwrite on projections, liquidity and the fleet plan.
Converting an existing moving company. The franchisor invites established local movers to join the brand. A converting owner brings trucks, crews and a track record, which gives a lender real financials to review. Rebranding trucks, retraining crews and any franchise fee can be financed together. See conversion franchise financing for how these deals are structured.
Buying an existing franchise. As the system matures, resales may become available. A buyer can then finance the purchase price, the fleet and goodwill based on the location’s history. Our guide to buying a franchise resale covers transfer approval and due diligence, and our trucking and logistics business acquisition page explains asset-heavy purchases.
Financing Options for an Ox Strong Moving Franchise
SBA 7(a) loans. An SBA 7(a) loan can cover the franchise fee, trucks, equipment, opening costs and working capital in a single loan, which suits a service business with modest real estate needs.
SBA 504 loans. The 504 program is built for owner-occupied real estate and long-lived fixed assets. It may fit an established owner buying a truck yard or warehouse, but it is rarely part of a first-territory start-up.
Conventional term loans. Owners with strong credit, collateral or an operating moving company may prefer a conventional business loan, especially for a conversion or a second territory.
Truck and equipment financing. Box trucks, liftgates, ramps and graphics packages can often be financed separately, with the vehicles serving as collateral. That can preserve cash for payroll and marketing. Learn more about trucking and logistics equipment financing and leasing.
Working capital and lines of credit. Moving demand rises in late spring and summer and around university move-in and move-out dates, which matters in a college town like Gainesville. A line of credit can bridge slower months, fund seasonal hiring and absorb repairs. See our trucking and logistics working capital options.
Seller financing on resales. On a resale, a seller may agree to carry part of the price. Any seller note is typically subordinate to the senior loan, and SBA rules can limit how it is structured.
SBA Loans for Ox Strong Moving Franchisees
SBA lenders generally require a franchise brand to appear on the SBA Franchise Directory before making an SBA-guaranteed loan to one of its franchisees. The directory confirms that the franchise agreement has been reviewed for SBA eligibility; it does not approve any individual borrower.
Ox Strong Moving is listed. The brand appears on the SBA Franchise Directory under code S8945, with no additional notes. In plain English, the franchise relationship has been cleared for SBA review without special conditions, so your lender can focus on you, your territory and your business plan. Confirm the listing when you apply, since the directory is updated over time.
The SBA 7(a) program maximum is currently $5 million, though program rules can change.
SBA application tips. Bring a fleet plan, a crew hiring plan, insurance quotes and a monthly cash flow forecast. Our SBA loan calculator can help with early payment estimates; results are for planning only and are not an offer or approval.
How Lenders Evaluate an Ox Strong Moving Deal
Personal credit and financial history. Expect a review of credit, tax returns and a personal financial statement.
Net worth and liquidity. Lenders want an equity injection and reserves after closing; in a young system, liquidity carries extra weight.
Industry and management experience. Experience running crews, dispatching vehicles or managing a service business helps, and a converting moving company has a clear advantage.
Business plan and projections. Base projections on jobs per truck, crew size, average job length, fuel and maintenance, insurance and the timing of leads from the franchisor’s sales team. Show seasonality rather than a flat monthly average.
The FDD and franchise agreement. Lenders read the franchise term, renewal and transfer conditions, territory rights and any franchisor financing in Item 10. They will also note whether Item 19 includes financial performance representations. Our guide to how lenders read a Franchise Disclosure Document explains which items matter most.
Historical financials for conversions and resales. Provide several years of tax returns, profit and loss statements, fleet lists and job reports so the lender can underwrite actual cash flow.
The Fleet: Financing Trucks for an Ox Strong Moving Franchise Loan
A moving company’s capacity is its trucks and crews. Each added truck lets the business book more jobs at once, but it also adds a payment, insurance, fuel and maintenance. Financing trucks on their own terms, individually or in small groups, lets the fleet grow with demand and leaves the main loan or credit line free for wages and slow months.
Multi-Unit Growth and Additional Territories
Once a first territory is running, lenders typically underwrite its cash flow alongside projections for a new area and look for management depth to supervise more crews. Each added territory needs franchisor approval.
Real-World Scenarios
A first-time owner in a growing Florida market. A former operations manager buys a new territory, uses an SBA 7(a) loan for the franchise fee, opening costs and working capital, and finances two trucks separately to keep the main loan smaller.
A local mover joining the brand. An independent moving company with several years of tax returns converts to Ox Strong Moving. A conventional loan refinances its truck debt and covers rebranding, and the lender underwrites from actual results.
A college-town owner planning for seasonality. An owner near a university builds projections around student move-in and move-out peaks and sets up a line of credit to cover payroll in quieter months.
Common Mistakes to Avoid
- Borrowing without reading Items 5, 6 and 7 of the current FDD, since fees are not posted publicly
- Underestimating insurance, fuel and truck maintenance in projections
- Buying more trucks than early demand supports
- Ignoring seasonality and leaving no cushion for slower months
- Assuming the franchisor’s sales team removes the need for local marketing and reviews
For more pitfalls, read the loan mistakes trucking companies make most often.
Next Steps to Finance Your Ox Strong Moving Franchise
Step 1: Contact the franchisor and request the FDD. Review fees, Item 7 and the franchise agreement with a franchise attorney.
Step 2: Define your territory and fleet plan. Decide how many trucks and crews you need at opening and how you will add more.
Step 3: Gather your financial documents. Prepare tax returns, a personal financial statement and proof of liquidity.
Step 4: Build seasonal projections. Model jobs per truck, labor, fuel, insurance and franchise fees month by month.
Step 5: Talk with a financing specialist. Compare SBA 7(a), conventional and vehicle financing for your situation.
Step 6: Apply and coordinate approvals. Keep the lender’s timeline aligned with franchisor approval, training and launch.
Ox Strong Moving Franchise Loan FAQs
How much does an Ox Strong Moving franchise cost?
The franchisor does not publish its fee or investment range on its website. The current FDD’s Items 5 and 7 show the franchise fee and estimated initial investment, including trucks, equipment and working capital.
Is Ox Strong Moving eligible for SBA loans?
Yes. The brand is listed on the SBA Franchise Directory under code S8945 with no additional notes. Each borrower must still qualify.
What royalty does Ox Strong Moving charge?
Royalty and marketing fees are disclosed in Item 6 of the FDD and are not listed on the franchisor’s website. Ask how the central sales team is billed as well.
Can an Ox Strong Moving franchise loan exclude the trucks?
Often, yes. Vehicles can usually be financed or leased on their own, with the trucks as collateral, which keeps the main loan smaller.
Can an existing moving company convert to Ox Strong Moving?
Yes. The franchisor invites established local moving companies to join the brand. Lenders can underwrite a conversion from the company’s actual financials.
Does Ox Strong Moving offer exclusive territories?
Yes. The franchisor says owners receive exclusive rights to operate in their territory. Review Item 12 of the FDD for the exact terms.
Does the franchisor offer financing?
The franchising website does not mention franchisor financing. Item 10 of the FDD discloses whether any financing is offered.
How long is the franchise term?
The term and renewal conditions are in Item 17 of the FDD. Lenders like the term to extend beyond the life of the loan.
What documents do I need for an Ox Strong Moving franchise loan?
Expect to provide tax returns, a personal financial statement, a resume, a business plan with projections, the FDD and signed franchise agreement, a fleet plan and any lease documents.
Final Thoughts
An Ox Strong Moving franchise combines a recognizable brand with a hands-on, asset-heavy service model. Because public cost data is limited, the FDD and a realistic fleet and seasonal cash flow plan are the foundation of any Ox Strong Moving franchise loan request. With the brand listed on the SBA Franchise Directory, SBA 7(a) financing is a practical option for qualified owners.
US Professional Funding helps franchise owners and buyers finance start-ups, acquisitions, vehicles, equipment and working capital. Learn more about our franchise financing and trucking and logistics financing solutions.
