Short answer
Already running an Oxi Fresh 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 a second machine set and vehicle, technician wages, product and local marketing. Send three months of business bank statements with the application and a specialist usually decides within 2–4 hours.
Every way to fund your Oxi Fresh location
Already running a Oxi Fresh 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 Oxi Fresh location |
|---|---|
| Business loan | A planned sum for a second technician, vehicle and machine set together. |
| Merchant cash advance | Fast money for a repair, repaid as a share of card deposits from booked jobs. |
| Revenue-based financing | Payments that shrink when the calendar thins out. |
| Line of credit | A reusable limit for product orders and ad spend. |
| Equipment financing | Carpet and upholstery machines, vacuums and a work vehicle on a quote. |
| Working capital | Technician wages and marketing while a new service area fills. |
What Oxi Fresh owners call about
More jobs than one technician can run
Central scheduling books the calendar. Past a point, growth needs a second tech and a second rig.
Per-job costs
A flat monthly royalty plus a per-job fee and a 3% advertising and technology fee add up as volume grows.
Down machine, cancelled day
With a home-based setup, a broken carpet machine or vehicle stops revenue until it is fixed.
Commercial carpet work
Offices and property managers bring bigger jobs and slower payment.
Fastest fit for each Oxi Fresh need
| The need | Usually fits | Send with the application |
|---|---|---|
| Second machine set and vehicle | Equipment financing | Machine and vehicle quotes |
| Repair a machine this week | Merchant cash advance | Repair invoice |
| Hire a second technician | Working capital | Payroll estimate |
| Property-manager jobs paid on terms | Invoice factoring | Invoices and aging report |
| Local ads to fill a new area | Line of credit | Campaign budget |
Why Oxi Fresh files are quick to size
Oxi Fresh is home-based with no storefront, and its fee structure is unusually simple: a flat $475 monthly royalty, a $15 fee per completed job and a 3% advertising and technology fee. Those numbers are easy to read off a bank statement.
That helps Merchant Fund Express move quickly. A specialist reads job deposits, subtracts fees and current payments, and sizes funding to what the territory clears. If you are bringing on a second technician, say when they start; the plan shows how quickly the new rig pays for itself.
How fast it moves, and what to send
- Apply in about 4 minutesName Oxi Fresh 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 Oxi Fresh file, start to finish (hypothetical)
An Oxi Fresh owner is turning away jobs two days a week. They ask for $32,000: $22,000 for a second carpet and upholstery machine set and a used van on quotes, and $10,000 to cover a new technician's first two months. A specialist could fund the gear with equipment financing and the wages with working capital.
Illustration only. It shows how a request gets sized; it is not a past deal or an offer.
Oxi Fresh at a glance (public sources)
From Oxi Fresh's franchising site and its 2026 disclosure document. One page title shows an older fee; we list the $47,900 figure stated in the 2026 FDD and the page body. Liquidity requirements are left out.
Sources: cards.commerce.state.mn.us (download) · oxifreshfranchise.com (investment) · oxifreshfranchise.com (initial franchise fee) · oxifreshfranchise.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 calendar is full. How fast can I fund a second rig?
Send the quotes with a complete file and a decision usually comes within 2–4 hours, with same-day funding available.
I run Oxi Fresh from home. Can I still get business funding?
Yes. A home-based business with deposits in a business bank account can apply. Sole proprietors are eligible.
Does the per-job fee count against me?
It is read as a normal cost of each job. The new payment is sized after franchisor fees and current payments.
Do I need strong credit?
No. 500+ FICO is accepted, the review leans on deposits and time open, and no tax returns are needed to apply.
Are you affiliated with Oxi Fresh?
No. We have no business tie to Oxi Fresh or the company that franchises it, and neither has endorsed us. The name is on this page only so Oxi Fresh owners can find funding written for their locations.
Keep going
Not affiliated with or endorsed by Oxi Fresh 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.