Short answer
Running a Chem-Dry business today? 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. The usual requests are a new or rebuilt truck-mount system, another service van, product purchases and technician pay. A complete file, meaning the application, three months of business bank statements and owner ID, usually gets a decision in 2–4 hours.
Every way to fund your Chem-Dry location
Already running a Chem-Dry 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 Chem-Dry location |
|---|---|
| Business loan | A fixed amount to add a territory or build out a second fully equipped van. |
| Merchant cash advance | Fast money repaid from a share of card and bank deposits, flexing with booked jobs. |
| Revenue-based financing | Payments that follow monthly job revenue through the quieter winter stretch. |
| Line of credit | A reusable limit for solution orders and repairs, paid down as jobs settle. |
| Equipment financing | Truck-mounted units, portable machines, rug and hard-surface tools, and vans, on a quote. |
| Working capital | Technician wages, fuel and marketing while a new van builds its route. |
What Chem-Dry owners call about
The machine is the business
The hot carbonating extraction system rides in the van. If it is down, every booked carpet, rug and upholstery job moves.
Adding a second van
Booked out two weeks? The next step is another vehicle, another system and a technician who needs paying from day one.
Product you buy from the franchisor
Cleaning solutions are an ongoing purchase, and bulk orders hit cash before the jobs they serve.
Specialty lines
Tile, hardwood and pet odor work need their own tools first.
Fastest fit for each Chem-Dry need
| The need | Usually fits | Send with the application |
|---|---|---|
| Replace a truck-mounted system | Equipment financing | System quote |
| Second van and technician | Business loan | Van and equipment quotes |
| Bulk solution order before spring | Line of credit | Recent supplier invoices |
| Launch tile, wood or pet odor service | Working capital | Tool list and launch budget |
| Steady pay through winter | Revenue-based financing | Three months of statements |
How a Chem-Dry request gets decided
Under its 2026 disclosure document, Chem-Dry takes 4% to 7% of gross sales in royalty plus a brand marketing fee of up to 3%, each with a monthly minimum after year one. Minimums do not shrink in a slow month.
Merchant Fund Express reads the deposits each van produces, takes out franchisor fees and existing payments, and sizes a payment the business can handle. Several territories? Say whether they share one entity.
How fast it moves, and what to send
- Apply in about 4 minutesName Chem-Dry 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 Chem-Dry file, start to finish (hypothetical)
A Chem-Dry owner with two vans loses the engine on one truck-mount in March, right as spring bookings climb. They ask for $45,000: $32,000 for a replacement system on a dealer quote and $13,000 for solution stock and a technician's wages during the swap. A specialist could put the system on equipment financing and cover the rest with a line of credit.
Illustration only. It shows how a request gets sized; it is not a past deal or an offer.
Chem-Dry at a glance (public sources)
From Chem-Dry's franchising site and its 2026 disclosure document. The outlet count in the copy we reviewed was not legible, so locations are left out.
Sources: cards.commerce.state.mn.us (download) · chemdryfranchise.com (faq) · chemdryfranchise.com (investment costs) · chemdryfranchise.com. 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
My truck-mount just failed. How fast can I get a decision?
Send the quote with a complete file and a decision usually comes within 2–4 hours. Same-day funding is available.
I own several Chem-Dry territories. Do I apply once?
If they share one entity and bank account, one application covers them. Separate LLCs are read entity by entity.
Can funding cover cleaning solutions from the franchisor?
Yes. Product purchases are a normal use of working capital or a line of credit.
Is my credit going to block this?
Not on its own. 500+ FICO is accepted and the review leans on deposits and time open. No tax returns to apply.
Are you affiliated with Chem-Dry?
No. We have no business tie to Chem-Dry or the company that franchises it, and neither has endorsed us. The name is on this page only so Chem-Dry owners can find funding written for their locations.
Keep going
Not affiliated with or endorsed by Chem-Dry 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.