# ServiceMaster Restore Franchise Funding for Existing Owners

> Funding for existing ServiceMaster Restore owners: commercial-loss equipment, fleet, crew payroll and insurance receivables, reviewed from deposits.

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

## The short answer

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.

## Who is this page for?

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.

## What the franchisor publishes

ServiceMaster Restore: facts from official sources
Franchisor: ServiceMaster Clean/Restore SPE LLC (source)
Parent company: ServiceMaster Systems LLC (direct parent) (source)
Initial franchise fee: $72,500 for one franchise; lower per-unit fees when buying two or more at once (FDD 2026) (source)
Royalty: Greater of $750 or 10% of monthly gross service sales, with a lower minimum in the first year for new franchises (FDD 2026) (source)
Advertising fund: 2% of monthly gross service sales on the first $7.5 million of group sales a year, 0.5% above that (FDD 2026) (source)
Total initial investment: $287,800 to $474,340 (FDD issued April 30, 2026, amended July 31, 2026) (source)
Locations: 1,910 franchised outlets at Dec 31, 2025 (FDD 2026 Item 20) (source)
Published formats: New franchise or conversion of an existing restoration business; residential and commercial disaster restoration (source)
US franchising status: Actively franchising in the US (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 ServiceMaster Restore location

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.
Franchise business loan: a term loan for a warehouse move, added fleet or a new commercial division when history supports it.
Merchant cash advance: speed for a large loss that needs crews and rentals this week, sized on deposits.
Revenue-based financing: payments that follow collections, which suits a mix of insurance and commercial receipts.
Business line of credit: a revolving limit for payroll and rentals between large commercial payments.
Equipment financing: desiccant dehumidifiers, generators, air scrubbers, content-cleaning equipment and fleet vehicles on a quote.
Working capital: cash for crews and subcontractors while large claims move through adjusters.

## Which problems do ServiceMaster Restore owners bring to a funding review?

Commercial large losses tie up cash
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.
Fleet and specialty equipment
Commercial work calls for bigger drying and power equipment and more vehicles. Equipment financing matches the term to useful life.
Payroll across uneven months
Weather events cluster. A line of credit or revenue-based financing covers the months between; see payroll funding for cleaning businesses.

## Which product fits which ServiceMaster Restore need?

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 |

## How does the review read a ServiceMaster Restore franchise?

Entity: the franchised company and its operating account; converted businesses often keep their original entity.
Deposits: insurance checks, commercial ACH payments and homeowner card payments, read over about three months.
Royalty drafts: charged on service sales and read as recurring obligations before any new payment is sized.
Receivables: an aging report separates carrier, commercial and homeowner balances.
Existing positions: fleet notes, equipment loans and advances are counted; a new structure can sometimes lower the combined payment.

## What documents does a ServiceMaster Restore review need?

About 3 months of business bank statements as bank PDFs
The five-minute application, which starts with a soft credit pull
An accounts receivable aging report
Quotes for equipment or fleet vehicles
A debt schedule of current loans and advances
Full financials are requested only above $250,000. ITIN applicants are accepted.

## A hypothetical ServiceMaster Restore budget scenario

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.
Average monthly deposits$185,000
Less payroll, franchisor drafts, fleet, warehouse, existing payments$185,000 - $68,000 - $18,500 - $9,500 - $8,000 - $5,000 = $76,000
$96,000 over 60 months$1,600/month before cost of funds
Share of what remains$1,600 / $76,000 = about 2.1%
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 ServiceMaster Restore instead?

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.

## Keep reading

Cleaning and restoration franchise funding: how restoration franchises are reviewed
Franchise brands we cover: the full list
Franchise merchant cash advance: speed on deposits
Funding a large cleaning contract: staffing a big job before it pays
Franchise equipment financing: fleet and specialty equipment

## Common questions

### Can ServiceMaster Restore owners fund a large commercial loss before it pays?

Yes. Working capital is read from deposits, and commercial or carrier invoices can be reviewed for invoice factoring.

### Can I finance desiccant dehumidifiers and generators?

Yes. Equipment financing is reviewed against a vendor quote and the useful life of each unit.

### I converted my restoration company to ServiceMaster Restore. Does my earlier history count?

Yes. Deposits before the conversion still appear in your bank statements and are part of the read.

### What if I have several territories?

Each entity is read on its own deposits and obligations, and one request can cover several territories.

### Are you affiliated with ServiceMaster Restore?

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.

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