Franchise funding
A carpet, upholstery and hard-surface cleaning business read van by van: equipment, technicians and repeat customers.
✓ Merchant Fund Express starts with a soft credit pull. Terms depend on your location's revenue and history.
Updated October 21, 2026 · Merchant Fund Express
Merchant Fund Express funds existing Chem-Dry owners: business loans, merchant cash advances, revenue-based financing, lines of credit, equipment financing and working capital, from $25,000 to $5,000,000. A Chem-Dry business runs on vans, truck-mounted equipment and steady homeowner card payments, so we read those deposits after royalty, other franchisor fees and solution purchases. A complete file gets a same-day decision, and funding often lands the next business day.
Owners of operating Chem-Dry businesses, from a single-van operator to a multi-territory group with several technicians. The franchisor describes a service menu of carpet and upholstery cleaning with its Hot Carbonating Extraction process, tile, stone and grout, wood floor and area rug care, and pet urine odor treatment, sold to homeowners and commercial accounts. Most revenue arrives as card payments at the end of each job, which gives a review a clear daily deposit pattern to read.
See the cleaning and restoration franchise sector guide and our page on equipment financing for cleaning businesses.
Checked Oct 2026 against official sources: the franchisor's own franchising site, its FDD or SEC filings, or the SBA Franchise Directory. Figures change; confirm current numbers in the latest Franchise Disclosure Document. Figures we could not confirm from an official source are left out.
Already running a Chem-Dry location and need capital? Merchant Fund Express funds existing franchise owners with every product below. Terms depend on the business's revenue and history.
The truck-mounted system is the business. A failed unit stops every job on the schedule, and a replacement is a large single purchase best spread over its working life; see equipment repair funding for cleaning businesses.
Growth means another outfitted vehicle and another paycheck before that van books a full week.
Homeowners book around holidays, spring cleaning and move-outs. A line of credit for cleaning businesses covers payroll and marketing in the gaps.
| Need | Product | Published requirement it leans on | What to send |
|---|---|---|---|
| Replace a truck-mounted cleaning unit | Equipment financing | Vendor quote, useful life | Quote, 3 months of statements |
| Second van with equipment | Equipment financing or term loan | Quote; Tier 1 for the loan: 3+ years, FICO 650+ | Vehicle and equipment quotes, statements |
| Solutions and parts stock | Line of credit | Tier 1: about $25K/month revenue, 8+ deposits a month | Statements, supplier invoices |
| Technician wages in a slow month | Working capital | Tier 2: 6+ months, FICO 600+, $60K verifiable revenue | Statements, payroll register |
| Commercial accounts on terms | Invoice factoring | Invoices to business customers | Aging report, invoices |
Sole proprietors are eligible, and Merchant Fund Express accepts ITIN applicants.
Say a two-van business deposits $42,000 a month, with the costs below. The owner wants a third van with a truck-mounted unit installed, quoted at $54,000.
Figures in this example are illustrations of the arithmetic, not an offer, quote or approval. Real terms depend on the file and the funder.
A new territory has no deposits yet, so it needs operating history before Merchant Fund Express can review it; read buying a franchise for the route. An existing owner adding a territory or van is read on current deposits; see second location funding. Buying an operating Chem-Dry from another owner follows franchise transfer financing.
Yes. Equipment financing is reviewed against the vendor quote and the unit's useful life, and the van can be included when it is part of the same purchase.
Yes. Sole proprietors are eligible, and Merchant Fund Express starts with a soft credit pull.
We read about three months of deposits, so a seasonal dip is seen in context. A line of credit or revenue-based financing fits uneven months.
The review reads the operating entity's deposits across all territories it runs. A request can fund one van or the whole fleet.
No. Merchant Fund Express is independent. We use the Chem-Dry name only to identify the owners this page is for; it does not mean the franchisor endorses or works with us.
Merchant Fund Express is independent. Not affiliated with or endorsed by Chem-Dry or its franchisor. Brand names identify the owner audience only.
Merchant Fund Express reviews your location's revenue, deposits and existing payments. Same-day decision on a complete file; funding often the next business day. About five minutes to apply.
