Now funding restoration contractors nationwide — apply in minutes.
Stop Waiting
on Carriers.
Get Funded in 24 Hours.
You did the work. Labor, materials, payroll — all out of pocket. TurnKey Capital advances cash against your approved claims in under 24 hours.
Trusted by restoration professionals nationwide.
The Problem
The Cash Gap Is the Real Problem
You're turning down work because cash is tied up in claims that haven't paid out. That's not a capacity problem, it's a cash flow problem. And it's fixable.
Every day that gap exists, it's limiting what you can take on.
Carrier Delays
Insurance pays out in 60 to 120 days. That's capital you can't use to grow.
Carrier Delays
Payroll runs every week. It doesn't care when the insurance check arrives.
Missed Growth
Turning down high-value projects because your working capital is trapped in the ledger.
From Job Complete to Cash in Hand
TurnKey Capital advances funds against verified insurance claims — so you're not waiting on carrier timelines to run your business.
Submit Your Claim
Upload documentation or sync with your estimating tools. We build the verified claim package.
We Verify
We confirm work completed, coverage, and documentation. Fast, structured, consistent.
Funds Hit Your Account
Same-day ACH to your operating account.
Built for How This Industry Actually Works
Banks look at your credit score. We look at your completed work and verified claims. That's the difference between a no and a same-day advance.
Insurance-driven revenue cycles
Operators running multiple crews
High-volume, time-sensitive environments
What You Can Do With Consistent Capital
Take on more jobs without hesitation
Run payroll without stress
Stop turning work down because cash is tied up
Build a business that actually scales
Your Capital. Controlled from Day One.
Restoration operators carry real costs before insurance pays out. TurnKey Capital issues dedicated business cards to your team so every dollar spent on a job is tracked, categorized, and clean – no personal card mixing, no reconciliation headaches, and no messy books that slow down your next advance.
Commingled spend is the number one thing that kills underwriting speed
Dedicated cards keep job costs isolated and audit-ready
Clean financials mean faster approvals on your next draw
Fast, Secure & Built for Restoration
Under 24 Hours
From submission to funded account.
Bank-Level
Security
256-bit encryption on everything in transit and at rest.
Consistent
Approvals
Structured verification built around restoration claim patterns.
Built to
Scale
Designed for repeated advances across multiple jobs and crews.
One Platform. Every Financial Tool You'll Need.
TurnKey Capital is building the financial infrastructure restoration has never had — starting with receivables acceleration and expanding into payments, capital programs, and operational systems.
Receivables
Payments
Insights
Systems
Apply in Under 2 Minutes
Takes less than two minutes. No credit pull. No obligation.
Frequently Asked Questions
Everything you need to know before you apply.
Is this factoring?
No. Factoring means selling your invoices to a third party at a discount, who then collects directly from the carrier. We advance capital against your receivables while you retain ownership of the invoice. You collect from the carrier, then repay us. Your carrier and TPA relationships stay completely intact and invisible to any third party.
Will the carrier or TPA know I'm using TurnKey Capital?
No. Because you retain the receivable and collect directly, there is no assignment or notification to the carrier. This is an important distinction for operators on TPA programs that restrict invoice assignment.
Do I need to put up personal assets or a personal guarantee?
Our structure is designed around your business receivables, not your personal balance sheet. We'll discuss collateral requirements during the review process, but the goal is capital tied to the jobs you're already running, not your home.
What does "roughly $1M to $20M in revenue" mean? Can I still apply if I'm outside that range?
That range reflects our current sweet spot, but it's not a hard cutoff. If you're doing meaningful volume of insurance-driven work and your receivables are clean, reach out. We'll tell you quickly if it's a fit.
How fast is the process?
We move at operator speed, not bank speed. Most decisions come back within a few business days of receiving your core information. We're not running a six-week underwriting process.
What type of work qualifies?
We primarily work with restoration, remediation, abatement, and complex home service operators whose revenue is predominantly insurance-driven. If a meaningful share of your jobs run through carriers, adjusters, or TPAs, we want to hear from you.
What happens if a claim gets disputed or underpaid?
This is something we assess during underwriting. We look at your claim quality, carrier mix, and historical payment patterns. We're not going to pretend disputes don't happen. Our structure accounts for them.
Financial infrastructure for restoration professionals.
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