Short answer
Already operating a Paul Davis Restoration territory? Merchant Fund Express funds it with a business loan, a merchant cash advance, revenue-based financing, a line of credit, equipment financing or working capital, from $5,000 to $5,000,000. Typical uses: rebuild materials, subcontractor draws and crew payroll during long claims. A complete file usually gets an answer within 2–4 hours.
Every way to fund your Paul Davis Restoration location
Already running a Paul Davis Restoration 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 Paul Davis Restoration location |
|---|---|
| Business loan | A fixed sum for a bigger step, such as opening a second production office or adding a rebuild division. |
| Merchant cash advance | Quick cash paid back as a share of deposits, so a light claims month costs less. |
| Revenue-based financing | Payments that track monthly collections, which swing with weather and claim timing. |
| Line of credit | A limit to draw for materials and subcontractor draws, then repay as claims settle. |
| Equipment financing | Response trucks, trailers, dehumidifiers and air movers, sized off a dealer quote. |
| Working capital | Estimator and crew wages, warehouse rent and the costs between insurance payments. |
What Paul Davis Restoration owners call about
Rebuilds that outlast the cash
Mitigation is quick; the construction phase can run for months, with materials paid up front.
Subcontractor draws
Trades expect payment on schedule, adjuster sign-off or not.
Night and weekend response
A 2 a.m. burst pipe still needs a staffed truck, so standby payroll never stops.
Territory growth
More population means more estimators and vehicles, bought before the work pays.
Fastest fit for each Paul Davis Restoration need
| The need | Usually fits | Send with the application |
|---|---|---|
| Cabinets and flooring for three open rebuilds | Line of credit | Supplier quotes or invoices |
| Carrier payments running 60+ days | Invoice factoring | Aging list by carrier |
| Second box truck for emergency calls | Equipment financing | Dealer quote |
| Payroll through a slow, dry stretch | Working capital | Payroll total per period |
| New production warehouse | Business loan | Lease and build-out estimate |
What makes a Paul Davis file move quickly
Paul Davis publishes a 4% royalty on gross sales, charged on invoiced work including what you subcontract, plus a monthly marketing contribution. So an owner can owe on a big rebuild before the insurer has paid.
Merchant Fund Express looks at the territory's own deposits, takes out the franchisor drafts and current payments, and sizes something the business can carry while claims settle.
How fast it moves, and what to send
- Apply in about 4 minutesName Paul Davis Restoration 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 Paul Davis Restoration file, start to finish (hypothetical)
After a hailstorm, four Paul Davis mitigation jobs move into rebuild at once, needing $70,000 in materials and subcontractor deposits before any carrier pays. The owner applies for $85,000. A specialist could set up a line of credit for the materials and factor two large carrier invoices, so the crews keep working while the claims clear.
Illustration only. It shows how a request gets sized; it is not a past deal or an offer.
Paul Davis Restoration at a glance (public sources)
From Paul Davis Restoration's 2026 disclosure document and its parent FirstService. Liquidity and net-worth asks were not confirmed, so they are left off.
Sources: cards.commerce.state.mn.us (download) · SEC filing. 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
How fast can a Paul Davis territory get funded?
A complete file usually gets a decision in 2–4 hours, and same-day funding is available. Funding often lands the next business day.
Our deposits come mostly from insurance carriers. Does that work?
Yes. Carrier and policyholder payments are normal deposits. A short list of open claims helps the specialist read the gaps between them.
Can I fund rebuild materials before the claim pays?
Yes. A line of credit or working capital covers materials and subcontractor draws, repaid as the claim settles.
Do I need tax returns or top credit?
No tax returns to apply, and 500+ FICO is accepted. Deposits and time in business carry the review.
Are you affiliated with Paul Davis Restoration?
No. We have no business tie to Paul Davis Restoration or the company that franchises it, and neither has endorsed us. The name is on this page only so Paul Davis Restoration owners can find funding written for their locations.
Keep going
Not affiliated with or endorsed by Paul Davis Restoration 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.