Franchise funding
Cleanup, restoration and construction read the way it really runs: storms, crews, equipment and slow claim checks.
✓ 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
Already running a SERVPRO franchise and need capital? Merchant Fund Express funds existing SERVPRO 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. We read your deposits and the carrier and commercial receivables behind them, after franchisor drafts and fleet payments, because crew payroll and drying equipment come due long before claims pay. A complete file gets a same-day decision, and funding often lands the next business day.
Owners of operating SERVPRO franchises, from one-territory businesses to large multi-territory groups. The franchisor lists a wide service mix: water, fire, mold and storm restoration, residential and commercial construction, biohazard cleanup, general and specialty cleaning, and large-loss commercial work. Storm response is the defining stress: when weather hits, a franchise can add crews, rent equipment and work around the clock, then wait weeks for the insurance payments.
See the cleaning and restoration franchise sector guide and funding supplies and inventory for cleaning businesses.
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 SERVPRO location and need capital? Merchant Fund Express funds existing franchise owners with every product below. Terms depend on the business's revenue and history.
Mitigation is billed after the job, and adjusters take weeks. Invoice factoring on carrier and commercial invoices, or working capital, keeps weekly payroll on time.
A hurricane or freeze can triple the schedule overnight: overtime, added crews, rented equipment and travel, all paid before the first check. See emergency funding for cleaning businesses.
More jobs mean more dehumidifiers, air movers and trucks. Equipment financing matches each purchase to its useful life.
| Need | Product | Published requirement it leans on | What to send |
|---|---|---|---|
| Weekly payroll while claims age | Working capital or invoice factoring | Tier 2: 6+ months, FICO 600+; factoring on business receivables | Statements, aging report |
| Storm surge: overtime, rentals, travel | Merchant cash advance | Reviews revenue, time in business and bank activity | 3 months of statements |
| Dehumidifiers, air movers, scrubbers | Equipment financing | Vendor quote, useful life | Quote, statements |
| Fleet trucks for added crews | Term loan or equipment financing | Tier 1: 3+ years, FICO 650+, applicant owns 50%+ | Vehicle quotes, statements |
| Seasonal swings between storms | Line of credit | Tier 1: about $25K/month revenue, 8+ deposits a month | Statements, debt schedule |
Full financials are requested only above $250,000. Merchant Fund Express offers Spanish-speaking support.
Imagine a franchise with $52,000 in normal monthly payroll. A storm adds $38,000 in crews and overtime plus $26,000 in equipment rental and fuel, while the jobs it creates will be collected over the next 30 to 90 days. The owner asks for $100,000 in working capital.
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 with no deposits needs operating history before Merchant Fund Express can review it; see buying a franchise. Owners adding a territory are read on current deposits; see second location funding. Taking over an operating franchise follows franchise transfer financing.
Yes. A merchant cash advance or working capital is read from deposits and bank activity, and a complete file gets a same-day decision.
Invoices owed by carriers, TPAs and commercial clients can be reviewed for invoice factoring. Homeowner balances are read through deposits.
Yes. Equipment financing is reviewed against vendor quotes and the useful life of each item.
Yes. Each entity is read on its own deposits and obligations, and the request can fund one or several.
No. Merchant Fund Express is independent. We use the SERVPRO 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 SERVPRO 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.
