# Paul Davis Restoration Franchise Funding for Existing Owners

> Funding for existing Paul Davis Restoration owners: crew and rebuild payroll while insurers pay, receivables, trucks and drying gear, read from deposits.

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

## The short answer

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.

## Who is this page for?

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.

## What the franchisor publishes

Paul Davis Restoration: facts from official sources
Franchisor: Paul Davis Restoration, Inc. (source)
Parent company: FirstService Corporation (source)
Initial franchise fee: $0.26 per person in the territory population; fees in 2025 ranged from about $65,370 to $207,614 (FDD 2026) (source)
Royalty: 4% of gross sales, subject to an annual minimum (FDD 2026) (source)
Advertising fund: Strategic Marketing Plan: $500 a month plus 0.75% of invoiced gross sales, capped (FDD 2026) (source)
Total initial investment: $298,800 to $804,900 for a base territory of 500,000 people (FDD 2026) (source)
Locations: 277 US franchised outlets at Dec 31, 2025 (FDD 2026 Item 20); 372 franchises in the US and Canada per FirstService (source)
US franchising status: Actively franchising in the US (FirstService states it is authorized to sell franchises in 50 US states) (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 Paul Davis Restoration location

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.
Franchise business loan: a term loan for an added production team, trucks or a larger warehouse once the franchise has several years of deposits.
Merchant cash advance: speed for a sudden catastrophe-season backlog, sized on deposits and bank activity rather than credit score alone.
Revenue-based financing: payments tied to collections, which suits a business paid in large, irregular insurance checks.
Business line of credit: a revolving limit for materials and subcontractor draws on rebuild jobs, repaid as claim checks clear.
Equipment financing: drying equipment, air scrubbers, content-cleaning gear and production trucks on a vendor quote.
Working capital: payroll for mitigation crews and project managers while completed jobs wait on carriers.

## Which problems do Paul Davis owners bring to a funding review?

Rebuild costs ahead of the final check
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.
Payroll during a weather event
A freeze or hurricane brings a month of work in a week, with overtime and added crews paid long before the claims settle.
Equipment and trucks for added crews
More production teams need more trucks, dehumidifiers and air scrubbers. Equipment financing spreads them over their working life.

## Which product fits which Paul Davis need?

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 |

## How does the review read a Paul Davis franchise?

Entity: the franchised company and its operating account.
Deposits: large, irregular insurance and mortgage-company checks, deductibles from homeowners and commercial payments. A three-month view smooths the lumps.
Work in progress: an aging report and job list show how much is billed and how much is still in production.
Royalty drafts: read as recurring obligations; capacity is sized after them.
Existing positions: equipment notes, vehicle loans and advances are counted; a new structure can sometimes lower the combined payment. See MCA refinance.

## What documents does a Paul Davis review need?

About 3 months of business bank statements (PDFs from the bank)
The five-minute application; it begins with a soft credit pull
An accounts receivable aging report and a short list of active rebuild jobs
Quotes for equipment or trucks
A debt schedule; full financials only above $250,000
Merchant Fund Express offers Spanish-speaking support for owners and office managers.

## A hypothetical Paul Davis payroll-gap scenario

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.
Open receivables$240,000
Payroll until checks clear$18,500 x 9 weeks = $166,500
Working capital requested$120,000
Share of the payroll window covered$120,000 / $166,500 = about 72%
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 Paul Davis franchise instead?

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.

## Keep reading

Cleaning and restoration franchise funding: how restoration brands are reviewed
Franchise brands we cover: the full brand list
Franchise invoice factoring: receivables-based funding for franchisees
Invoice factoring vs. merchant cash advance: which fits slow-paying claims
Franchise payroll funding: covering crews before revenue lands

## Common questions

### Can Paul Davis owners factor insurance receivables?

Invoices owed by carriers, property managers and commercial clients can be reviewed for invoice factoring. Homeowner balances are read through your deposits instead.

### How are rebuild jobs treated in the review?

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.

### Can I finance air scrubbers and trucks?

Yes, on a vendor quote and the useful life of each item.

### What if my franchise has several offices?

Each entity is read on its own deposits and obligations. A request can cover one office or several.

### Are you affiliated with Paul Davis Restoration?

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.

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