Franchise funding
A lean, storage-unit-based restoration model: low overhead, real crews, and claims that take weeks to pay.
✓ 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 Restoration 1 owners: business loans, merchant cash advances, revenue-based financing, lines of credit, equipment financing and working capital, from $25,000 to $5,000,000. Since jobs are paid either through insurance claims or directly by the customer, the review reads both deposit streams, open receivables and franchisor drafts together. A complete file gets a same-day decision, and funding often follows the next business day.
Owners of operating Restoration 1 territories. The franchisor describes a home-based model whose main fixed cost can be a rented storage unit, with an optional retail space, and owners who handle water, fire and mold damage either through an insurance claim or as direct self-pay work. Low overhead means the money goes into crews, trucks, drying equipment and, for owners who rebuild, subcontractors and materials.
Read the cleaning and restoration franchise sector guide and our revenue-based financing 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 a Restoration 1 location and need capital? Merchant Fund Express funds existing franchise owners with every product below. Terms depend on the business's revenue and history.
Self-pay customers often pay at completion, while claims can take 30 to 90 days. Working capital or invoice factoring on carrier and commercial balances bridges the slower stream.
Owners who rebuild after mitigation pay subcontractors and buy materials before the final payment; a line of credit handles those draws.
A big commercial or multi-room loss can need more drying equipment than the storage unit holds; see emergency funding for cleaning businesses.
| Need | Product | Published requirement it leans on | What to send |
|---|---|---|---|
| Payroll while claims are pending | Working capital | Tier 2: 6+ months, FICO 600+, $60K verifiable revenue | 3 months of statements |
| Carrier and commercial receivables | Invoice factoring | Invoices to business payers | Aging report, invoices |
| Subcontractors and materials on rebuilds | Line of credit | Tier 1: 3+ years, FICO 650+, 8+ deposits a month | Statements, job list |
| Second work truck and drying set | Equipment financing | Vendor quote, useful life | Quotes, statements |
| Busy quarter with an advance already open | Revenue-based financing | Tier 2: up to 2 current advances | Statements, positions list |
Full financials are requested only above $250,000. Merchant Fund Express offers Spanish-speaking support.
Consider a territory depositing $72,000 a month. Crew payroll is $24,000, royalty and technology fee drafts $5,800, storage unit and truck costs $3,400, rebuild subcontractors $14,000 and an existing payment $1,800. The owner wants a second work truck with a drying set quoted at $62,000.
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 opened 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 current deposits; see second location funding. Buying an operating territory follows franchise transfer financing.
Yes. Merchant Fund Express reads the business deposits and the owner's credit, not the address. Sole proprietors are eligible.
Yes. Self-pay jobs usually settle faster than claims, which adds steady deposits next to the larger insurance checks.
A line of credit fits repeated draws for materials and trades, and working capital fits a single gap. Both are read from your deposits.
Yes. Equipment financing is reviewed against vendor quotes and the useful life of the truck and drying equipment.
No. Merchant Fund Express is independent. We use the Restoration 1 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 Restoration 1 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.
