How to Finance a Square Cow Movers Franchise: Trucks, Crews, Cash
By Chris Cornella
A Square Cow Movers franchise loan finances a moving company built around trucks, trained crews and a busy summer season. The franchisor publishes a full start-up table, so buyers can see how much of the budget goes to the franchise fee, equipment, branding and the cash needed to get through the first 90 days.
This article breaks down those published costs, the ongoing royalty and brand contribution, the franchisor’s net worth and liquidity rule, the SBA Franchise Directory listing and how lenders evaluate a new moving territory.
US Professional Funding is not affiliated with, sponsored by or endorsed by Square Cow Movers; the name is used only to describe the business. Figures from the franchisor’s website and disclosure document can change, loan programs and terms vary by lender and borrower, and every loan is subject to review and approval. Nothing here is legal, tax or investment advice, so review the current Franchise Disclosure Document (FDD) and franchise agreement with a franchise attorney and an accountant.
Square Cow Movers Franchise Loan at a Glance
- Brand: the company styles its name Square Cow Moovers and began in 2007 with two trucks.
- Company fleet: 65 trucks and more than 200 team members, which the company calls its herd.
- Initial franchise fee: $59,500, according to the franchisor’s investment table.
- Total initial investment: $163,250 to $238,750.
- Royalty: 7%.
- Brand development contribution: 1%.
- Franchisee requirements: minimum net worth of $400,000 with at least $100,000 in liquid assets.
- SBA Franchise Directory: listed as Square Cow Moovers under code S7555, with no additional notes.
What Is Square Cow Movers?
Square Cow Movers is a family-founded moving company that started in 2007 with two trucks. It grew to 65 trucks and more than 200 team members while serving central Texas and Denver, Colorado, and it now offers franchises to take the brand into new markets.
Services. The company provides local moves, long-distance moves, commercial moves, labor-only moves, packing and materials, and storage. That mix lets a territory serve households and businesses and sell add-on services on the same job.
Brand character. The cow-themed name is meant to stick in customers’ minds, and the company highlights online review averages of 4.25 to 4.75 stars across sites. It also does not operate on Sundays, a policy franchisees should expect to follow.
Honest about the work. The franchisor openly notes that moving is physically demanding, that customers are often stressed and that the business is seasonal, with busy summers and slower winters. Lenders appreciate a franchisor that says this up front, because it matches how they underwrite moving companies.
How lenders view the brand. Moving is an asset-heavy service business. Trucks give lenders some collateral, but seasonality, insurance, fuel and labor costs mean cash flow planning matters as much as equipment value.
How a Square Cow Movers Territory Earns Revenue
- Residential moves: local and long-distance household moves make up the core of the schedule.
- Commercial moves: office and business relocations can fill weekdays outside peak residential demand.
- Add-on services: packing, materials and storage raise the value of each booking.
- Labor-only jobs: crews can load or unload customer-rented trucks without tying up a company truck.
What that means for a loan. Revenue depends on how many trucks and crews you can keep booked, especially outside summer. The franchisor highlights cash-based transactions, which can help collections, but lenders still want to see how payroll and fuel are covered in slower months.
Square Cow Movers Franchise Costs
The franchisor’s website publishes the following initial investment table:
- Initial franchise fee: $59,500
- Equipment: $40,000 to $61,500
- Branding and marketing: $19,500 to $25,000
- Other miscellaneous costs (lease, insurance and similar items): $14,250 to $32,750
- Additional funds and liquidity for the first 90 days: $30,000 to $60,000
- Total initial investment: $163,250 to $238,750
Initial franchise fee. At $59,500, the fee is the largest fixed item and is usually paid at signing. Lenders can include it in an SBA 7(a) loan, but they expect your equity injection to come from your own funds.
Real estate. There is no storefront build-out. The miscellaneous line covers lease costs, which in moving usually means a yard, warehouse or office with truck parking rather than retail space.
Equipment. The franchisor notes that start-up costs vary with your business model and purchasing decisions when obtaining trucks. Buying, leasing or financing trucks separately changes how much cash the equipment line needs.
Opening costs and working capital. Branding and marketing get trucks wrapped and the phone ringing. The 90-day liquidity line covers payroll, fuel and insurance before revenue stabilizes.
Ongoing Fees and Your Square Cow Movers Franchise Loan
Royalty. The franchisor lists a 7% royalty fee.
Brand development contribution. The franchisor lists a 1% brand development contribution.
Other obligations. Item 6 of the FDD lists any technology, software, training, transfer or renewal fees. The franchisor provides operating and scheduling software, so ask what it costs.
How lenders treat these fees. Lenders deduct the royalty and brand contribution from projected revenue before testing debt service coverage. Because moving is seasonal, they also check whether summer cash flow can carry payments through winter.
Franchisor Requirements for New Owners
Financial requirements. The franchisor requires a minimum net worth of $400,000 with at least $100,000 in liquid assets.
Experience. The franchisor’s pages do not list a specific experience requirement. Management, logistics, sales or crew leadership background helps both with approval and with lenders.
Approval process. The franchisor describes a step-by-step path: apply online, take an initial call, complete a fit assessment, review the Franchise Disclosure Document, learn about support and spend a day with the team on-site before signing.
Ways to Own a Square Cow Movers
New territory. Most buyers today open a new territory. Lenders focus on liquidity, background and the launch plan. Our franchise start-up financing page explains how lenders approach new units.
Buying an existing location. The franchisor says corporate locations may be sold one day but are not currently marketed. If a franchised territory comes up for resale, lenders would review its tax returns, fleet and booking history. Our page on trucking and logistics acquisition financing covers purchase loans.
Multiple territories. The franchisor invites buyers to ask about purchasing more than one franchise.
Financing Options for a Square Cow Movers Franchise
SBA 7(a) loans. SBA 7(a) loans can combine the franchise fee, trucks, branding and working capital in one structure.
SBA 504 loans. SBA 504 loans fit only if you buy a warehouse or yard for the business.
Conventional term loans. Experienced operators with collateral may use conventional business loans, especially when adding trucks or territories.
Equipment financing. Box trucks, dollies, pads, ramps and liftgates are natural candidates for trucking and logistics equipment financing. Our article on truck fleet replacement planning explains how to plan future upgrades.
Working capital and lines of credit. Summer peaks and winter slowdowns make a line of credit useful for payroll and fuel. See our working capital and lines of credit page.
Seller financing on resales. If you buy an existing territory, a seller may carry part of the price. Seller notes are typically subordinate to the main loan, and loan programs may limit their terms.
SBA Loans for Square Cow Movers Franchisees
SBA-backed lenders check the SBA Franchise Directory to confirm a brand’s agreements meet eligibility rules. The brand appears as Square Cow Moovers under code S7555 with no additional notes, so lenders can generally proceed under standard SBA franchise review.
The SBA 7(a) program maximum is currently $5 million, though program rules can change. A single territory will typically need far less. Estimate payments with our SBA loan calculator.
Application tips.
- Show at least the franchisor’s liquidity minimum in verifiable accounts.
- Get truck quotes before applying, since equipment drives the budget.
- Build monthly projections that reflect summer peaks and winter slowdowns.
- Include insurance quotes for vehicles, cargo and workers.
How Lenders Evaluate a Square Cow Movers Franchise Loan
Personal credit and financial history. Lenders review credit, tax returns and existing debts.
Net worth and liquidity. The franchisor’s $400,000 net worth and $100,000 liquidity minimums are a starting point. Our guide on how much franchise you can afford helps you size the deal.
Industry and management experience. Logistics, operations, hiring and customer service experience strengthen a file.
Business plan and projections. Show moves per week, crew sizes, truck count, fuel and insurance, and seasonal swings. Our article on writing a franchise business plan for an SBA loan shows what lenders expect.
The FDD and franchise agreement. Lenders read Items 5, 6, 7, 10, 17 and 19. Review Items 3 and 4 as well.
Yard or warehouse lease. The lease should allow truck parking and run long enough to support the loan.
For resales. Expect to provide tax returns, fleet records and booking reports.
Trucks and Equipment
Trucks are the core asset. Decide early whether to buy new, buy used or lease, because that choice changes the equipment line in the start-up table and your monthly payments. Plan for maintenance, registration and eventual replacement. Pads, dollies, straps and packing supplies are smaller items but add up.
Multi-Unit Growth and Development Agreements
Adding territories usually means more trucks, crews and managers. Lenders look at the first territory’s results, fleet utilization and remaining liquidity. Our article on multi-unit franchise financing explains how lenders approach growth.
Real-World Scenarios
A logistics manager opening a territory. He meets the liquidity minimum and finances the fee and working capital through an SBA 7(a) loan, with trucks on separate equipment financing.
A couple buying two territories. They open one first, then add the second after a full season. Their lender reviews the first territory’s results before funding expansion.
An owner adding trucks before summer. She uses equipment financing in spring and a line of credit for peak-season payroll.
Common Mistakes to Avoid
- Underestimating winter cash needs.
- Buying more trucks than the first season can support.
- Leaving the royalty and brand contribution out of projections.
- Underpricing insurance.
- Draining liquidity to make the equity injection.
Read more in our article on franchise loan mistakes.
Next Steps to Finance Your Square Cow Movers Franchise
Step 1: Request the FDD. Review it with a franchise attorney.
Step 2: Confirm your territory. Ask about market size and boundaries.
Step 3: Visit the team. Use the on-site day to see operations up close.
Step 4: Build your budget. Start with the published table and add truck quotes.
Step 5: Gather documents. Prepare tax returns, a personal financial statement, a resume and a business plan.
Step 6: Apply. Work with a lender experienced in franchise and SBA lending.
Square Cow Movers Franchise Loan FAQs
How much does a Square Cow Movers franchise cost?
The franchisor lists a total initial investment of $163,250 to $238,750.
What is the franchise fee?
$59,500, according to the franchisor’s investment table.
What royalty does Square Cow Movers charge?
The franchisor lists a 7% royalty and a 1% brand development contribution.
How much net worth and liquid capital do I need?
A minimum net worth of $400,000 with at least $100,000 in liquid assets.
Is Square Cow Movers eligible for SBA loans?
Yes. It is listed on the SBA Franchise Directory as Square Cow Moovers under code S7555.
Can I finance trucks separately?
Often, yes. Trucks can be financed with equipment loans or leases alongside the main loan.
Can I buy an existing location?
Corporate locations are not currently marketed for sale, according to the franchisor. Ask about resales.
Can a first-time owner get a Square Cow Movers franchise loan?
Yes, with the required liquidity, a solid plan and relevant management skills.
Can I own multiple territories?
The franchisor invites buyers to ask about purchasing more than one.
Does Square Cow Movers offer financing?
Check Item 10 of the FDD.
What documents do I need?
Tax returns, a personal financial statement, a resume, a business plan, truck quotes and the FDD.
How long is the franchise term?
Item 17 of the FDD sets the term and renewal rights.
Final Thoughts
Square Cow Movers publishes clear start-up numbers, which makes planning easier. A strong Square Cow Movers franchise loan request pairs those figures with realistic truck costs, seasonal projections and reserves.
US Professional Funding helps franchise owners finance start-ups, acquisitions, equipment and working capital. Learn more about our franchise financing and trucking and logistics financing solutions.
