Franchise funding
A mitigation-plus-rebuild model: emergency crews today, reconstruction for weeks, insurance money at the end.
✓ 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 Paul Davis Restoration 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, and reviews insurance-carrier receivables for invoice factoring. Because a single loss can run from emergency service through a full rebuild before the final check, we read deposits and open receivables together, after royalty and existing payments. A complete file gets a same-day decision, and funding often follows the next business day.
Owners of operating Paul Davis franchises. FirstService, the parent company, describes the brand in its annual filing as a franchisor of residential and light commercial restoration serving the insurance industry: water, fire and mold cleanup plus construction rebuild. That rebuild side changes the cash cycle: subcontractors, materials and project managers are paid for weeks while the claim moves through the adjuster and mortgage company.
Read the cleaning and restoration franchise sector guide and our cleaning industry page for the wider picture.
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 Paul Davis Restoration location and need capital? Merchant Fund Express funds existing franchise owners with every product below. Terms depend on the business's revenue and history.
Reconstruction ties up materials and trade payments for weeks. Invoice factoring on carrier and commercial receivables, or a line of credit, keeps jobs moving; see funding a large contract.
A freeze or hurricane brings a month of work in a week, with overtime and added crews paid long before the claims settle.
More production teams need more trucks, dehumidifiers and air scrubbers. Equipment financing spreads them over their working life.
| Need | Product | Published requirement it leans on | What to send |
|---|---|---|---|
| Mitigation crew payroll while claims age | Working capital | Tier 2: 6+ months, FICO 600+, $60K verifiable revenue | 3 months of statements, aging report |
| Rebuild materials and subcontractors | Line of credit | Tier 1: 3+ years, FICO 650+, about $25K/month revenue | Statements, job list |
| Receivables from carriers and commercial clients | Invoice factoring | Invoices to business payers | Aging report, invoices |
| Production trucks and drying gear | Equipment financing | Vendor quote, useful life | Quotes, statements |
| Storm backlog with an advance already open | Revenue-based financing | Tier 2: up to 2 current advances, $800 minimum daily balance | Statements, list of positions |
Merchant Fund Express offers Spanish-speaking support for owners and office managers.
Suppose a franchise has $240,000 in open receivables on finished mitigation and rebuild work. Weekly crew and project payroll is $18,500, and the largest checks are expected in about nine weeks. The owner asks for $120,000 in working capital to carry payroll until they clear.
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 franchise has no deposits yet, so it needs an operating record before Merchant Fund Express can review it; see buying a franchise. Owners adding an office are reviewed on current deposits; read second location funding. Taking over an operating franchise follows franchise transfer financing.
Invoices owed by carriers, property managers and commercial clients can be reviewed for invoice factoring. Homeowner balances are read through your deposits instead.
We look at the bank deposits plus an aging report and job list, so work in production is seen next to what has already been paid.
Yes, on a vendor quote and the useful life of each item.
Each entity is read on its own deposits and obligations. A request can cover one office or several.
No. Merchant Fund Express is independent. We use the Paul Davis Restoration 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 Paul Davis Restoration 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.
