Short answer
Merchant Fund Express funds existing cleaning and restoration franchise owners (commercial janitorial, residential maid service, carpet care, water, fire and mold restoration) with business loans, merchant cash advances, revenue-based financing, lines of credit, equipment financing, working capital and invoice factoring from $5,000 to $5,000,000. Typical uses are vans, extraction and drying equipment, crew payroll and turning open invoices to business customers into cash. A complete file usually gets a decision in 2–4 hours.
Where cleaning and restoration owners need cash
This sector runs on labor and trucks, and the money comes in late. A restoration job can tie up a crew and a trailer of equipment for days before the bill goes out.
Crew payroll
Technicians and cleaners are paid weekly or biweekly, long before the job is collected.
Vans and trailers
A new service van or a box truck is the difference between taking the call and missing it. See vehicle funding.
Drying and extraction gear
Air movers, dehumidifiers, truck-mount units and moisture meters for the next big storm.
Waiting on invoices
Property managers, offices and commercial accounts pay on 30, 60 or 90-day terms.
Match the need to the funding
| If you need to… | Fits | Why |
|---|---|---|
| Turn open commercial invoices into cash | Invoice factoring | Open invoices to business customers on 30–90 day terms |
| Add a van or truck-mount unit | Equipment financing | The vehicle or unit supports the deal |
| Staff up for storm season | Business line of credit | Draw as jobs start, repay as they collect |
| Buy a load of drying equipment fast | Merchant cash advance | Quick decision, repaid from deposits |
| Ride out a quiet stretch between storms | Revenue-based financing | Payments track revenue |
| Take on a large new janitorial contract | Franchise business loans | Lump sum for hiring, supplies and equipment |
| Cover supplies and chemicals | Working capital | One-time need, repaid from operating revenue |
How cleaning and restoration deposits read
Residential maid and carpet services collect mostly by card, so deposits are steady and weekly. Commercial janitorial and restoration look different: larger checks and transfers, fewer of them, and long gaps while invoices age. A reviewer reads both patterns. Lumpy deposits are normal here; they read better with context.
Send an aging list of open invoices with the file. It shows who owes you, how much and how old each bill is, and it lets Merchant Fund Express decide between factoring and a line of credit in one pass. List any existing advances or equipment payments as well; disclosed positions are considered.
Hypothetical example, not a past deal: after a regional flood, a restoration owner has crews on six jobs, needs twenty more air movers and is waiting on large commercial invoices. A reviewer could factor the business-customer invoices and put the new equipment on equipment financing, so payroll never waits on a property manager's payment run.
Cleaning and restoration brands we fund
Owners of these brands apply the same way: 1-800 Water Damage, Chem-Dry, JAN-PRO, Jani-King, Merry Maids, Molly Maid, Oxi Fresh, Paul Davis Restoration, PuroClean, Restoration 1, ServiceMaster Restore, SERVPRO, Stratus Building Solutions, The Cleaning Authority.
Running a brand that is not named here? Put the brand on the application. Merchant Fund Express funds the location on its own deposits, whatever the logo over the door.
Running several territories under separate entities? Read separate LLCs before you apply, so each territory's statements go with the right application.
Factoring or a line? A quick call
If most of your cash is tied up in a few large commercial invoices, factoring unlocks that specific money now. If the gap is ongoing payroll that comes and goes every month, a line of credit is the cleaner fit. Many owners use both: factor the big aged invoices and keep a line for the weekly swing. Not sure? Compare Line of credit vs working capital, or just apply and Merchant Fund Express will match the structure.
What to send
- Apply in about 4 minutesName your cleaning or restoration brand, the location and what the money is for.
- Upload statements and IDThree months of business bank statements for the entity that owns the territory, plus photo ID for each owner.
- Decision in 2–4 hoursOn a complete file. Same-day funding is available, and funding often lands the next business day.
No tax returns to apply. 500+ FICO accepted. Sole proprietors are eligible, Spanish-speaking support is available and ITIN applicants are accepted.
Owner questions, answered
Can I factor invoices from my commercial cleaning accounts?
Yes. Open invoices to business customers on 30–90 day terms can be turned into cash through invoice factoring.
Can a restoration franchise finance drying equipment and vans?
Yes. Air movers, dehumidifiers, truck-mount units and service vans at an operating business are common equipment requests.
My deposits are lumpy. Does that hurt?
No. Large, irregular commercial payments are normal in this sector. Send an invoice aging list so the reviewer sees what is coming.
Can I fund payroll for a big storm response?
Yes. A line of credit or working capital covers crew payroll while jobs are billed and collected.
Are you affiliated with any cleaning or restoration franchise?
No. Merchant Fund Express is independent. Brand names appear only so owners can find the right page.
Keep going
Merchant Fund Express is a separate company with no franchisor ties. Terms depend on the business's revenue and history.