Franchise funding
Disaster restoration for homes and commercial properties, read by crew, fleet and receivable.
✓ 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
Need capital for a ServiceMaster Restore business you already run? Merchant Fund Express funds existing 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. Royalty is charged on service sales and insurance work pays late, so we size every option on deposits after franchisor drafts, fleet payments and current positions. A complete file gets a same-day decision, and funding often follows the next business day.
Owners of open ServiceMaster Restore franchises, including owners who converted an existing restoration company into the brand. The franchisor describes disaster restoration for commercial and residential customers, everyday losses such as electrical fires, cooking fires and equipment failures, and relationships with large national insurance carriers. Commercial work adds a second rhythm: larger jobs, larger equipment and invoices that run on the client's payment terms.
The cleaning and restoration sector guide and merchant cash advances for cleaning businesses add context.
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 ServiceMaster Restore location and need capital? Merchant Fund Express funds existing franchise owners with every product below. Terms depend on the business's revenue and history.
A warehouse flood or office fire can require extra crews, rentals and overtime for weeks before the first payment. Invoice factoring on commercial and carrier invoices or working capital keeps the job staffed.
Commercial work calls for bigger drying and power equipment and more vehicles. Equipment financing matches the term to useful life.
Weather events cluster. A line of credit or revenue-based financing covers the months between; see payroll funding for cleaning businesses.
| Need | Product | Published requirement it leans on | What to send |
|---|---|---|---|
| Large-loss crew and overtime costs | Working capital | Tier 2: 6+ months, FICO 600+, $60K verifiable revenue | Statements, job estimate |
| Commercial and carrier receivables | Invoice factoring | Invoices to business payers | Aging report, invoices |
| Desiccant dehumidifier, generator, fleet | Equipment financing | Vendor quote, useful life | Quotes, 3 months of statements |
| Payroll between big payments | Line of credit | Tier 1: 3+ years, FICO 650+, about $25K/month revenue | Statements, debt schedule |
| Existing advance plus a new need | Revenue-based financing | Tier 2: up to 2 current advances, $800 minimum daily balance | Statements, positions list |
Full financials are requested only above $250,000. ITIN applicants are accepted.
Assume a franchise deposits $185,000 a month on average. Payroll is $68,000, royalty and other franchisor drafts $18,500, fleet payments $9,500, warehouse rent $8,000 and existing payments $5,000. The owner wants a desiccant dehumidifier and towable generator for commercial losses, quoted at $96,000.
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 franchise that has not opened has no deposits, so it needs operating history before Merchant Fund Express can review it; see buying a franchise. Current owners adding a territory are reviewed on today's deposits, as described on funding a second location. Taking over an operating franchise follows franchise transfer financing.
Yes. Working capital is read from deposits, and commercial or carrier invoices can be reviewed for invoice factoring.
Yes. Equipment financing is reviewed against a vendor quote and the useful life of each unit.
Yes. Deposits before the conversion still appear in your bank statements and are part of the read.
Each entity is read on its own deposits and obligations, and one request can cover several territories.
No. Merchant Fund Express is independent. We use the ServiceMaster Restore 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 ServiceMaster Restore 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.
