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Guide 8 min read Updated May 6, 2026

Cost to Start a You Move Me Franchise in 2026

You Move Me franchise startup costs run $105K–$265K for a full-service residential moving franchise from O2E Brands. With a branded, uniformed crew model and centralized booking support, You Move Me brings the same professionalization approach that 1-800-GOT-JUNK? applied to junk removal into the residential moving industry.

You Move Me franchise costs at a glance

Total investment $105,000–$265,000
Franchise fee $50,000
Royalty 7%
Ad / marketing fee 1.5%
Liquid capital required $80,000
Net worth required $200,000
Source: You Move Me Franchise Disclosure Document (FDD) · as of 2026-05-06. Figures vary by market and site; verify against the current FDD before signing.

Key takeaways

  • Total estimated startup cost: $105K–$265K (full-service residential moving)
  • Franchise fee: $50,000
  • Ongoing royalty: 7%; advertising fund: 1.5%
  • Net worth requirement: $200K+; liquid capital requirement: $80K+
  • 100+ territories; O2E Brands franchise (same parent as 1-800-GOT-JUNK?)
Ready to fund your You Move Me franchise?

Total startup cost breakdown

Per the current FDD filed under the FTC Franchise Rule (16 CFR Part 436), total estimated initial investment for a You Move Me franchise runs $105,000–$265,000. The truck-based model with no retail storefront keeps buildout costs low:

  • Franchise fee: $50,000
  • Moving truck(s) — cargo van or box truck: $15,000–$70,000
  • Moving equipment (dollies, moving pads, straps, floor protection, boxes): $5,000–$15,000
  • Vehicle wrap and signage: $3,000–$8,000
  • Technology (booking platform, CRM, dispatch software): $2,000–$8,000
  • Insurance (commercial vehicle, cargo, general liability, workers comp): $8,000–$20,000
  • Uniforms: $1,500–$4,000
  • Training and travel: $3,000–$8,000
  • Marketing and grand opening: $3,000–$10,000
  • Working capital: $8,000–$20,000
  • Miscellaneous and professional fees: $3,000–$8,000

Ongoing fees

You Move Me charges a 7% royalty on gross revenue plus a 1.5% advertising fund contribution, for a combined 8.5% of gross revenue. The royalty is consistent with the home services franchise segment. The O2E Brands call center handles inbound booking — a significant benefit for new operators who receive booked jobs rather than managing all customer acquisition independently.

Financing options

You Move Me is listed on the SBA Franchise Directory, qualifying franchisees for expedited SBA loan processing. Common financing paths:

  • SBA 7(a) loan: Covers franchise fee, truck purchase, equipment, insurance prepayments, and working capital. The $105K–$265K range is within SBA Express limits — SBA 7(a) Express loans offer faster approval for this investment size.
  • Equipment financing / commercial truck loan: Moving trucks can be financed separately via commercial vehicle lending — preserving SBA capacity for the franchise fee and working capital.
  • SBA Express loan: Faster processing with less documentation for franchisees targeting the lower investment range.
  • Working capital line of credit: Supports crew payroll and equipment supply costs during the ramp-up period.
  • ROBS (Rollover for Business Startups): Franchisees with 401(k) or IRA balances can deploy retirement funds tax-free via ROBS as the equity injection for SBA financing.

Realistic ROI timeline

Residential moving franchises with centralized booking support typically target break-even within 12–24 months. The centralized O2E Brands call center reduces customer acquisition friction for new operators. Moving is a high-frequency need in urban and suburban markets — spring and summer are peak seasons, with a secondary peak in fall. Operators who build Google Business reviews and local referral networks extend into the shoulder seasons more effectively.

Who's a good fit

You Move Me suits operators who want a service business with tangible same-day job completion and centralized booking support. People management and logistics coordination are the core skills — the business runs on a crew of moving specialists, and customer experience depends entirely on crew professionalism. The residential moving industry has high customer trust requirements; reviews and referrals are the primary growth drivers. Net worth of $200K+ and liquid capital of $80K+ are the financial benchmarks.

What lenders look for in a You Move Me franchise application

You Move Me is on the SBA Franchise Directory and qualifies for SBA Express processing — the $105K–$265K range fits within SBA Express limits. Lenders apply these SBA SOP 50 10 8 benchmarks for moving franchise applications:

  • Commercial vehicle collateral valuation: Moving trucks are the primary collateral asset. SBA lenders value trucks on NADA commercial vehicle schedules — newer trucks (0–3 years old) receive full collateral credit; older vehicles are discounted based on age and condition. Document vehicle year, mileage, and NADA value in your loan package.
  • Seasonal DSCR modeling: Residential moving peaks spring through fall and slows in winter. SBA lenders require annual — not peak-quarter — DSCR of 1.25×+. Model conservative Q4 and Q1 revenue alongside peak-season volume to show full-year debt service coverage.
  • O2E Brands call center booking as DSCR stabilizer: You Move Me franchisees receive booked jobs through the O2E Brands call center — a meaningful reduction in customer acquisition cost versus independent movers. Lenders view centralized booking support positively; document projected job volume by source in your pro forma.
  • Commercial auto and cargo insurance documentation: SBA loan disbursement requires proof of commercial vehicle liability, cargo insurance, and workers' compensation coverage. Lenders verify insurance adequacy before funding — secure quotes early so insurance verification doesn't delay your close.
  • FMCSA and state carrier authority: You Move Me focuses on local intra-state residential moves. Interstate carrier authority (FMCSA MC number) is a separate requirement not included in the franchise scope. SBA lenders may review state carrier registration to confirm the franchisee can legally operate in the licensed territory.

Apply for franchise financing

ClearValue Lending works with residential moving and home services franchise operators on SBA, equipment, and working capital financing. Start at small business financing or apply for franchise financing at Find my match. Your file routes to the funding partners best matched to your file.

Sources

  • You Move Me is listed on the SBA Franchise Directory, qualifying franchisees for expedited SBA loan eligibility. — SBA Franchise Directory
  • SBA 7(a) Express loans finance franchise startups including truck purchases, equipment, and working capital for residential moving and home services concepts. — SBA 7(a) Loan Program
  • All franchise cost and fee disclosures are governed by the FTC Franchise Rule requiring a Franchise Disclosure Document (FDD) be delivered at least 14 days before signing. — FTC Franchise Rule — 16 CFR Part 436
  • Qualifying moving trucks and equipment placed in service during the tax year may be immediately expensed under IRS Section 179. — IRS Publication 946

Frequently asked questions

How much does a You Move Me franchise cost in 2026?
Per the current FDD, total estimated initial investment runs $105,000–$265,000. The franchise fee ($50,000), moving trucks, and commercial insurance are the primary cost drivers. No retail storefront is required.
Who owns You Move Me?
You Move Me is owned by O2E Brands (Ordinary to Exceptional), founded by Brian Scudamore — the same entrepreneur and company behind 1-800-GOT-JUNK?. O2E Brands also operates Shack Shine and WOW 1 DAY PAINTING.
What is the You Move Me royalty rate?
You Move Me charges a 7% royalty on gross revenue plus a 1.5% advertising fund contribution, for a combined 8.5% of gross revenue.
Can I finance a You Move Me franchise with an SBA loan?
Yes. You Move Me is on the SBA Franchise Directory. SBA 7(a) and SBA Express loans cover the franchise fee, trucks, equipment, and working capital within the $105K–$265K range. Moving trucks can also be financed separately via commercial vehicle lending.
Does You Move Me handle long-distance interstate moves?
No. You Move Me focuses on local residential moves within a metropolitan area rather than long-distance interstate moving. The local moving model keeps logistics and regulatory requirements simpler than interstate carriers, which require FMCSA motor carrier authority.
What collateral does a moving truck provide for SBA loan underwriting?
SBA lenders value commercial moving trucks using NADA commercial vehicle schedules. A newer box truck or cargo van (0–3 years old) in good condition generally receives full credit as collateral; older vehicles are discounted for age and mileage. Because trucks depreciate, lenders typically require the equity injection to cover the gap between truck value and loan amount — don't assume the truck alone fully secures the financing.
How does seasonal demand affect DSCR underwriting for a You Move Me franchise?
SBA lenders calculate DSCR on a 12-month basis, not peak-season performance. You Move Me's spring-to-fall peak is strong, but Q4 and Q1 moving volume is meaningfully lower. Your loan package should show full-year monthly cash flow projections — including conservative winter months — to demonstrate the business can service debt year-round, not just during the spring moving surge.
Summary:

You Move Me franchise startup costs run $105K–$265K for a full-service residential moving franchise from O2E Brands. With a branded, uniformed crew model and centralized booking support, You Move Me brings the same professionalization approach that 1-800-GOT-JUNK? applied to junk removal into the residential moving industry.

This article is for educational purposes and is not financial, legal, or tax advice. Rates, fees, qualification requirements, and product availability are illustrative ranges that vary by lender, market conditions, and individual business profile. ClearValue Lending is a funding platform; all financing is subject to lender partner approval and terms. Always read your contract end-to-end and verify specific numbers before signing.

https://clearvaluelending.com/franchises/you-move-me/cost-to-start

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