Short answer
Operating a Restoration 1 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. Typical needs: more drying gear, a second truck or crew wages while claims are paid. Expect a decision within 2–4 hours on a complete file.
Every way to fund your Restoration 1 location
Already running a Restoration 1 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 Restoration 1 location |
|---|---|
| Business loan | A fixed sum to add retail space or set up a construction crew. |
| Merchant cash advance | Fast capital repaid as a share of deposits, gentler in slow months. |
| Revenue-based financing | Payments that move with collected revenue rather than a set amount. |
| Line of credit | Draw for construction materials, repay when the claim or homeowner pays. |
| Equipment financing | Air movers, dehumidifiers, thermal cameras and a second response truck. |
| Working capital | Technician pay, fuel, storage-unit rent and consumables between claim checks. |
What Restoration 1 owners call about
Lean setup, thin buffer
The low-overhead storage-unit model keeps costs down, but it also means there is little cash parked for a sudden large loss.
Claim versus self-pay timing
Self-pay jobs pay quickly; insurance claims can drag on. A mix of both makes cash flow lumpy.
Construction add-on
Taking on rebuild work after mitigation means buying materials and paying trades well before the final invoice.
Gear for the next call
If every fan is on one job, the next homeowner goes to a competitor.
Fastest fit for each Restoration 1 need
| The need | Usually fits | Send with the application |
|---|---|---|
| More drying equipment for overlapping jobs | Equipment financing | Equipment quote |
| Waiting on several insurance claims | Invoice factoring | Open claims list |
| Materials for a rebuild job | Line of credit | Supplier estimate |
| Crew wages during a dry month | Working capital | Payroll total |
| Moving into a retail location | Business loan | Lease and setup costs |
How a Restoration 1 file gets read
Restoration 1's 2026 disclosure document sets a royalty at the greater of 7% of collected revenue or a monthly minimum, plus 2% on construction revenue and a monthly technology fee. Since the royalty follows collections, a slow claim delays both your revenue and your fee, which keeps the payment math tied to real cash.
Merchant Fund Express works from the territory's bank deposits, separates insurance payments from self-pay jobs where it helps, and subtracts current payments.
How fast it moves, and what to send
- Apply in about 4 minutesName Restoration 1 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 Restoration 1 file, start to finish (hypothetical)
A Restoration 1 owner has a basement flood, a kitchen fire cleanup and a mold job running at once, with $36,000 in claims unpaid. They want a second truck and a dozen more air movers before storm season and ask for $55,000. A specialist could finance the truck and equipment against quotes and add a small line of credit for crew wages while the claims pay.
Illustration only. It shows how a request gets sized; it is not a past deal or an offer.
Restoration 1 at a glance (public sources)
From Restoration 1's 2026 disclosure document and franchise site. The site shows a different territory count from an earlier date; we list the newer FDD outlet figure. Liquidity and net-worth asks were not confirmed and are omitted.
Sources: cards.commerce.state.mn.us (download) · restoration1franchise.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
Can a home-based Restoration 1 territory get funded?
Yes. What matters is the business's deposits and time open, not whether you have a storefront.
Most of my revenue comes from insurance claims. Is that okay?
Yes. Carrier payments are normal deposits. A list of open claims helps explain the gaps.
I converted my old restoration company. Does that history count?
Yes. Deposit history in the operating business counts. List any older equipment loans you still carry.
How quickly will I hear back?
Usually within 2–4 hours on a complete file. Same-day funding is available, and 500+ FICO is accepted.
Are you affiliated with Restoration 1?
No. We have no business tie to Restoration 1 or the company that franchises it, and neither has endorsed us. The name is on this page only so Restoration 1 owners can find funding written for their locations.
Keep going
Not affiliated with or endorsed by Restoration 1 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.