Short answer
Operating a 1-800 Water Damage territory? Merchant Fund Express funds it with a business loan, merchant cash advance, revenue-based financing, a line of credit, equipment financing or working capital, from $5,000 to $5,000,000. Owners use it for drying gear, trucks, wages and the wait on carrier checks. A complete file usually gets an answer within 2–4 hours.
Every way to fund your 1-800 Water Damage location
Already running a 1-800 Water Damage location and need capital? Merchant Fund Express funds existing franchise owners with every structure below, from $5,000 to $5,000,000, on one application. Terms depend on the business's revenue and history.
| Product | What it does at a 1-800 Water Damage location |
|---|---|
| Business loan | A set amount for a second fully stocked response truck. |
| Merchant cash advance | Quick cash after a storm surge, repaid as a share of incoming deposits. |
| Revenue-based financing | Payments sized to monthly collections, so a quiet month is lighter to carry. |
| Line of credit | A limit you draw for crew wages and refill as carrier and property-manager checks clear. |
| Equipment financing | Air movers, dehumidifiers, extractors, moisture meters and odor equipment on a vendor quote. |
| Working capital | Fuel, consumables and payroll while claim files sit with adjusters. |
What 1-800 Water Damage owners call about
Jobs start before anyone pays
Mitigation begins the night of the loss. Labor and fuel go out for weeks before the claim settles.
Gear all out at once
A cold snap puts every air mover on a job, and the next caller still needs a crew.
Mold and smoke work
Containment and fire cleanup need gear beyond a water kit.
Uneven collections
Remediation and rebuild work bill differently, so cash arrives in bursts.
Fastest fit for each 1-800 Water Damage need
| The need | Usually fits | Send with the application |
|---|---|---|
| More drying units before storm season | Equipment financing | Vendor quote |
| Crew pay with carrier checks outstanding | Invoice factoring | Open-claim list or aging report |
| Second outfitted truck | Business loan | Truck and build-out quote |
| Surge week after a freeze | Merchant cash advance | Three months of statements |
| Mold and odor equipment add-on | Line of credit | Equipment list with prices |
Why speed matters on a restoration file
The 2026 disclosure document lists a remediation royalty that starts at 10% of gross sales and steps down toward 7% as annual volume rises, plus a 2% brand marketing fund. Those fees leave on schedule; insurance-paid jobs often do not.
Merchant Fund Express sizes a 1-800 Water Damage request on the deposits that actually landed, after franchisor fees and current payments. List what carriers owe you; receivables can make factoring the better fit.
How fast it moves, and what to send
- Apply in about 4 minutesName 1-800 Water Damage as the brand, the amount and the job the money does.
- Send three months of statementsBusiness bank statements for the entity that owns the location, plus photo ID for each owner.
- Decision in 2–4 hoursA specialist reads deposits and current payments, then returns the fit.
- FundsSame-day funding is available; funding often lands the next business day.
A 1-800 Water Damage file, start to finish (hypothetical)
After a week of frozen pipes, a 1-800 Water Damage owner has every dehumidifier deployed and eleven open claims. They ask for $60,000: $25,000 for more drying units on a quote and $35,000 to carry crews until carriers pay. A specialist could finance the units and fund the rest against receivables.
Illustration only. It shows how a request gets sized; it is not a past deal or an offer.
1-800 Water Damage at a glance (public sources)
From the franchisor's site and its 2026 disclosure document. An older cost page shows a different investment range; we list the figure that matches the amended 2026 FDD. Reconstruction royalty detail is left out.
Sources: cards.commerce.state.mn.us (download) · 1800waterdamagefranchise.com · cards.commerce.state.mn.us (download) · 1800waterdamagefranchise.com (franchise costs). Checked Oct 2026. Figures change with each disclosure year; confirm current terms with the franchisor. Anything we could not verify is left out.
Owner questions, answered
Can I get funding while insurance claims are still open?
Yes. List the open files; carrier receivables can support factoring or working capital.
How quickly does a restoration owner hear back?
Usually within 2–4 hours of a complete file. Same-day funding is available, and funding often lands the next business day.
Can I finance drying equipment and a truck together?
Yes. Send both quotes. They can sit on one equipment financing request or be split across products.
I converted my existing restoration company. Does that history count?
Yes. The review reads your business bank deposits, so earlier operating history helps.
Are you affiliated with 1-800 Water Damage?
No. We have no business tie to 1-800 Water Damage or the company that franchises it, and neither has endorsed us. The name is on this page only so 1-800 Water Damage owners can find funding written for their locations.
Keep going
Not affiliated with or endorsed by 1-800 Water Damage or its franchisor. Merchant Fund Express is a separate, independent company; the brand appears here so its owners can find this page. Terms depend on the business's revenue and history.