# SERVPRO Franchise Funding for Existing Owners

> Funding for existing SERVPRO owners: crew payroll and drying equipment while insurance claims pay in 30 to 90 days, storm surges and fleet, from deposits.

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

## The short answer

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.

## Who is this page for?

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.

## What the franchisor publishes

SERVPRO: facts from official sources
Franchisor: Servpro Franchisor, LLC (source)
Parent company: Commodore Parent Holdings, LLC (ultimate parent); Servpro Industries, LLC is an indirect parent (source)
Initial franchise fee: $100,000 franchise license fee within a $212,000 standard purchase price that includes a $112,000 equipment and products package (FDD issued April 15, 2026) (source)
Royalty: 3% to 10% of monthly gross volume (10% cap), plus a fixed fee of $45 to $115 a month (FDD 2026) (source)
Advertising fund: Brand Fund: up to 3% of monthly gross volume; currently 2.5%, subject to a cap (FDD 2026) (source)
Total initial investment: $263,305 to $385,570 for an associate license (FDD 2026) (source)
Locations: 2,354 franchised outlets at Dec 31, 2025 (FDD 2026 Item 20); the franchisor cites more than 2,400 franchises (source)
Published formats: Residential and commercial cleanup, restoration, construction and large-loss work (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 SERVPRO location

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.
Franchise business loan: a term loan for fleet, a larger production facility or a construction division when the record supports it.
Merchant cash advance: capital within days for a storm surge, sized on deposits and bank activity rather than credit score alone.
Revenue-based financing: payments that follow collections as storm claims settle over the following months.
Business line of credit: a revolving limit for payroll and rentals that is drawn in storm season and repaid as checks clear.
Equipment financing: dehumidifiers, air movers, air scrubbers, extraction trucks and fleet vehicles on a vendor quote.
Working capital: crew payroll, overtime, fuel and lodging for out-of-area storm teams while claims are processed.

## Which problems do SERVPRO owners bring to a funding review?

Crew payroll while claims pay in 30 to 90 days
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.
Storm surges
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.
Drying equipment and fleet
More jobs mean more dehumidifiers, air movers and trucks. Equipment financing matches each purchase to its useful life.

## Which product fits which SERVPRO need?

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 |

## How does the review read a SERVPRO franchise?

Entity: the franchised company and its operating account; multi-territory groups may run separate entities.
Deposits: insurance checks, commercial ACH, homeowner deductibles and construction draws. Storm months distort any single snapshot, so about three months are read together.
Receivables: an aging report shows carrier, TPA and commercial balances still owed.
Franchisor drafts: royalty and other fees are read as recurring obligations; capacity is sized after them.
Existing positions: fleet loans, equipment notes and advances are counted. A new structure can sometimes lower the combined payment; see existing positions.

## What documents does a SERVPRO review need?

About 3 months of business bank statements for each entity
The five-minute application, which begins with a soft credit pull
An accounts receivable aging report
Quotes for equipment or fleet
A list of current loans, leases and advances
Full financials are requested only above $250,000. Merchant Fund Express offers Spanish-speaking support.

## A hypothetical SERVPRO storm-month scenario

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.
Storm-month payroll$52,000 + $38,000 = $90,000
Cash needed before the first claim checks$90,000 + $26,000 = $116,000
Working capital requested$100,000
Share of the storm-month need covered$100,000 / $116,000 = about 86%
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 SERVPRO instead?

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.

## Keep reading

Cleaning and restoration franchise funding: how the sector is reviewed
Franchise brands we cover: all brand pages
Franchise working capital: payroll and operating cash
Invoice factoring: cash from carrier and commercial invoices
Seasonal cash flow for franchises: carrying the months between surges

## Common questions

### Can SERVPRO owners get funding during a storm response?

Yes. A merchant cash advance or working capital is read from deposits and bank activity, and a complete file gets a same-day decision.

### Can I factor insurance and commercial receivables?

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

### Can I finance drying equipment and trucks for my SERVPRO?

Yes. Equipment financing is reviewed against vendor quotes and the useful life of each item.

### I own several SERVPRO territories. Can one request cover them?

Yes. Each entity is read on its own deposits and obligations, and the request can fund one or several.

### Are you affiliated with SERVPRO?

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.

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