# Chem-Dry Franchise Funding for Existing Owners

> Funding for existing Chem-Dry owners: truck-mount units, vans, technician payroll and solutions inventory, reviewed from residential card deposits.

Source: https://mfebusinessloans.com/franchise-funding/brands/chem-dry/ (Merchant Fund Express, updated 2026-10-21)

## The short answer

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.

## Who is this page for?

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.

## What the franchisor publishes

Chem-Dry: facts from official sources
Franchisor: Chem-Dry, Inc. (formerly Harris Research, Inc.) (source)
Parent company: BELFOR Franchise Group (source)
Initial franchise fee: $36,000 (source)
Royalty: Between 4% and 7% of gross sales, with a required monthly minimum from month 13 (FDD 2026) (source)
Advertising fund: Brand Marketing Fee up to 3% of gross sales from month 13, minimum $150 a month for a Standard Territory or $75 for a Small Territory (FDD 2026) (source)
Total initial investment: $92,150 to $249,500 (FDD 2026 and franchise site) (source)
Liquid assets / net worth asked of new franchisees: $50,000 / $250,000 (source)
Published formats: Standard and Small Territories; van-based service with truck-mounted hot carbonated cleaning systems; residential and commercial (source)
US franchising status: Actively franchising in the US (source)
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.

## Every way to fund your Chem-Dry location

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.
Franchise business loan: a term loan to add a territory or a second technician van once the business has a few years of deposits behind it.
Merchant cash advance: quick capital sized on the daily card settlements that residential cleaning jobs produce.
Revenue-based financing: payments that rise and fall with booked jobs, useful through the slower winter weeks.
Business line of credit: a revolving limit for solutions, spare parts and marketing pushes before the spring rush.
Equipment financing: truck-mounted cleaning units, portable machines, hard-surface tools and the vans that carry them, reviewed on a quote.
Working capital: cash for technician wages, fuel and repairs when a van is off the road.

## Which problems do Chem-Dry owners bring to a funding review?

A truck-mount unit needs replacing
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.
Adding a van and a technician
Growth means another outfitted vehicle and another paycheck before that van books a full week.
Seasonal swings in residential demand
Homeowners book around holidays, spring cleaning and move-outs. A line of credit for cleaning businesses covers payroll and marketing in the gaps.

## Which product fits which Chem-Dry need?

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 |

## How does the review read a Chem-Dry business?

Entity: the company that holds the license and the deposit account.
Deposits: many small card settlements from residential jobs, plus checks or ACH from commercial and property-management accounts.
Royalty and other franchisor drafts: read as normal recurring obligations; capacity is sized after them.
Supplier drafts: cleaning solutions and parts purchases are treated as cost of doing business, not as debt.
Existing positions: van loans, equipment notes and advances are counted. A new structure can sometimes lower the combined payment.

## What documents does a Chem-Dry review need?

About 3 months of business bank statements (PDFs from the bank)
The five-minute application, which opens with a soft credit pull
A quote for any truck-mount unit, portable machine or van
Current loan, lease and advance payments in a short list
Full financials only if the request is above $250,000
Sole proprietors are eligible, and Merchant Fund Express accepts ITIN applicants.

## A hypothetical Chem-Dry budget scenario

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.
Monthly deposits$42,000
Less payroll, franchisor drafts, vans, supplies, existing payment$42,000 - $13,500 - $2,900 - $3,800 - $2,600 - $1,200 = $18,000
$54,000 over 60 months$900/month before cost of funds
Share of what remains$900 / $18,000 = 5.0%
Figures in this example are illustrations of the arithmetic, not an offer, quote or approval. Real terms depend on the file and the funder.

## What if you are buying or opening a Chem-Dry instead?

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.

## Keep reading

Cleaning and restoration franchise funding: how cleaning and restoration brands are reviewed
Franchise brands we cover: other brand pages in this guide
Franchise vehicle funding: vans and trucks for service franchises
Equipment financing for cleaning businesses: machines, vans and tools on a quote
Franchise line of credit: revolving capital for uneven months

## Common questions

### Can I finance a truck-mounted cleaning unit for my Chem-Dry?

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.

### I run Chem-Dry as a sole proprietor. Can I apply?

Yes. Sole proprietors are eligible, and Merchant Fund Express starts with a soft credit pull.

### Do winter slowdowns hurt my file?

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.

### What if I operate several Chem-Dry territories?

The review reads the operating entity's deposits across all territories it runs. A request can fund one van or the whole fleet.

### Are you affiliated with Chem-Dry?

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.

Apply with Merchant Fund Express: https://merchantfundexpress.com/current-application.html?utm_source=mfebusinessloans.com&utm_medium=franchise&utm_campaign=franchise-funding&utm_content=chem-dry