Short answer
Run a SERVPRO franchise? Merchant Fund Express funds existing owners 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. Owners use it for production vehicles, drying gear and storm-surge payroll. A complete file with three months of business statements usually gets a decision in 2–4 hours.
Every way to fund your SERVPRO location
Already running a SERVPRO 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 SERVPRO location |
|---|---|
| Business loan | A fixed sum to add a construction division or a larger production facility. |
| Merchant cash advance | Quick capital repaid as a share of deposits, lighter between storms. |
| Revenue-based financing | Payments tied to monthly gross volume, which spikes after weather events. |
| Line of credit | A limit for surge payroll and materials, repaid as jobs are collected. |
| Equipment financing | Production trucks, trailers, truck-mounted extractors, dehumidifiers and air scrubbers. |
| Working capital | Crew wages, fuel, lodging for storm teams and day-to-day costs. |
What SERVPRO owners call about
Storm surges
Weeks of normal volume, then a flood of calls in a single afternoon. Capacity has to grow overnight.
Production fleet
Box trucks and trailers carry the equipment; a down vehicle means a crew sits idle.
Commercial and large-loss work
Commercial programs bring bigger jobs with longer payment cycles and heavier up-front costs.
Cleaning and construction lines
Owners adding construction or specialty cleaning need more staff and gear before the revenue shows up.
Fastest fit for each SERVPRO need
| The need | Usually fits | Send with the application |
|---|---|---|
| Another production truck before storm season | Equipment financing | Dealer quote |
| Surge payroll after a storm | Line of credit | Crew count and pay periods |
| Commercial accounts paying on long terms | Invoice factoring | Receivables aging |
| Launch a construction crew | Business loan | Plan with hiring and tools |
| Slow season cushion | Working capital | Recent statements |
Why speed decides SERVPRO storm season
SERVPRO's 2026 disclosure document sets a royalty of 3% to 10% of monthly gross volume plus a small fixed monthly fee, and a brand fund currently at 2.5%. Territories are generally non-exclusive, so when a storm comes through, nearby franchises compete for the same calls. The owner who has trucks, gear and crews ready wins the work.
Merchant Fund Express reads the franchise's own deposits, nets out franchisor drafts and current payments and comes back quickly. Owners who need capacity before peak season should apply early; a decision in hours does not help if the truck dealer needs two weeks to deliver.
How fast it moves, and what to send
- Apply in about 4 minutesName SERVPRO 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 SERVPRO file, start to finish (hypothetical)
A SERVPRO owner sees a hurricane forecast and knows the territory will be swamped. They want a second production truck, 40 more air movers and cash for six extra technicians, and ask for $150,000. A specialist could finance the truck and gear off quotes and open a line of credit for the extra crews.
Illustration only. It shows how a request gets sized; it is not a past deal or an offer.
SERVPRO at a glance (public sources)
From SERVPRO's 2026 disclosure document. The franchisor also cites a higher total franchise count; we show the dated FDD outlet figure. Liquidity and net-worth asks were not confirmed and are omitted.
Sources: cards.commerce.state.mn.us (download) · servpro.com (franchise ownership). 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 SERVPRO owner get funded before storm season?
Yes. Apply ahead of the season so trucks and equipment arrive before the calls do. Decisions usually take 2–4 hours.
Can I finance a production truck or truck-mounted unit?
Yes. Send the dealer quote. Vehicles and mounted equipment are routine requests.
My commercial clients pay slowly. What fits?
Invoice factoring or a line of credit bridges the wait between finishing and collecting.
Do I need excellent credit?
No. 500+ FICO is accepted. The review relies on the franchise's deposits and time open.
Are you affiliated with SERVPRO?
No. We have no business tie to SERVPRO or the company that franchises it, and neither has endorsed us. The name is on this page only so SERVPRO owners can find funding written for their locations.
Keep going
Not affiliated with or endorsed by SERVPRO 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.