Franchise funding
A home-based, low-moisture carpet cleaning model read by vehicle, technician and booked job.
✓ 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
Running an Oxi Fresh territory and ready to grow or steady the cash? Merchant Fund Express funds existing Oxi Fresh owners with business loans, merchant cash advances, revenue-based financing, lines of credit, equipment financing and working capital, from $25,000 to $5,000,000. We read the card deposits from residential jobs after the monthly royalty, ad and technology fee and per-job scheduling charges. A complete file gets a same-day decision, and funding often follows the next business day.
Owners of open Oxi Fresh territories. The franchisor describes a home-based model with no storefront: owners run vehicles carrying portable carpet and upholstery machines, a central Scheduling Center books jobs, and the process is built around a short dry time and oxygen-based products. With no build-out or lease, the main costs are people, vehicles, machines and marketing; income is card payments collected job by job.
Compare the wider cleaning and restoration sector guide and our working capital for cleaning businesses page.
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 an Oxi Fresh location and need capital? Merchant Fund Express funds existing franchise owners with every product below. Terms depend on the business's revenue and history.
When the Scheduling Center is booking more jobs than one technician can run, the next step is a second vehicle and machine set. Equipment financing covers it on a quote; see adding a cleaning crew.
A down machine or vehicle cancels the day. Short working capital pays the repair so booked jobs still happen.
Residential demand rises around spring and holidays and dips between. A line of credit or revenue-based financing keeps technician pay steady; see slow-season funding.
| Need | Product | Published requirement it leans on | What to send |
|---|---|---|---|
| Second vehicle and machine set | Equipment financing | Vendor quote, useful life | Quotes, 3 months of statements |
| Repair to a machine or vehicle | Working capital | Tier 2: 6+ months, FICO 600+, $60K verifiable revenue | Repair invoice, statements |
| Local marketing push | Line of credit | Tier 1: 3+ years, FICO 650+, 8+ deposits a month | Statements |
| Technician pay through slow weeks | Revenue-based financing | Tier 2: minimum daily balance $800 | Statements, payroll records |
| Expand into an added territory | Term loan | Tier 1: about $25K/month revenue, applicant owns 50%+ | Statements, debt schedule |
Typical first reviews skip tax returns. Spanish-speaking support is available, and ITIN applicants are accepted.
Take a territory depositing $26,000 a month, with the costs below. The owner wants a second vehicle and machine set quoted at $36,000.
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 territory that has not launched has no deposits to read, so it needs an operating history first; see opening a cleaning company franchise. Owners adding a territory are reviewed on the current business, as explained on funding a second location, and buying an existing territory follows franchise transfer financing.
Yes. There is no storefront to review; Merchant Fund Express reads the business bank deposits from completed jobs and the owner's credit.
Yes. Equipment financing is reviewed against vendor quotes and useful life, so the vehicle and machines can be funded together.
No. They are normal recurring franchise costs. We size payments after them, the same way we treat rent at other businesses.
Working capital and revenue-based financing start at 6+ months in business; lines of credit and term loans look for 3+ years.
No. Merchant Fund Express is independent. We use the Oxi Fresh 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 Oxi Fresh 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.
