Restore now, pay on your own terms
Flexible Financing for Every Situation
At Top Cleaning and Restoration, we understand property damage is stressful enough without the added worry of immediate financial strain. Whether you are dealing with water damage, mold, or an unexpected cleanup, we are proud to offer flexible financing options to give you peace of mind and control over your home’s recovery. Financing allows you to address urgent repairs immediately without the need for a large upfront payment, helping you protect your property’s value while keeping your savings intact.
More Reasons Than You Might Think.
There are many reasons why our customers choose to finance their projects rather than relying solely on traditional methods.
Avoid Insurance Claims
Handle smaller repairs out-of-pocket to prevent premium increases and keep your claims history clean.
Fund Upgrades
Use financing to upgrade materials or modernize your space beyond what a standard insurance settlement covers.
Bridge the Gap
Easily cover high deductibles or costs that fall just outside your policy's coverage limits.
Preserve Cash Flow
Keep your liquid assets free for other priorities while still receiving professional restoration services.
12 Month SAC
Credit and loans provided by Regions Bank, Member FDIC, (650 S. Main St., Suite 1000, Salt Lake City, UT 84101) on approved credit, for a limited time. 19.99% fixed APR (provided however, APR will not exceed 15.99% for residents of New Jersey and 17.99% for residents of Florida and Wisconsin), effective as of April 2026, subject to change. Minimum loan amounts apply. Interest starts accruing when funds are disbursed. Interest waived if repaid in 365 days from first disbursement. When open line period ends, the balance becomes a fixed rate installment loan; repayment terms vary from 24 to 132 months. Actual loan term may be shorter if less than the full approved amount of credit is used. First monthly loan payment due 365 days after first disbursement. If no payments made during same-as-cash period and APR of 19.99%, monthly payments vary from $21.99 to $30.82 per $1,000 borrowed depending on term. The minimum monthly payment will be no less than $50.00.
Traditional Installment Loan
Credit and loans provided by Regions Bank, Member FDIC, (650 S. Main St., Suite 1000, Salt Lake City, UT 84101) on approved credit, for a limited time. 8.99% to 24.49% fixed APR (provided however, APR will not exceed 15.99% for residents of New Jersey and 17.99% for residents of Florida and Wisconsin), subject to change. Minimum loan amounts apply. Interest starts accruing when funds are disbursed. Open line period payments due 90 days after origination and monthly thereafter during open line period. When open line period ends, the balance becomes a fixed rate installment loan; repayment terms vary from 12 to 144 months. Actual loan term may be shorter if less than the full approved amount of credit is used. First monthly loan payment due 30 days from the end of the open line period. Monthly payments vary from $11.49 to $30.27 per $1,000 borrowed depending on term and interest rate. The minimum monthly payment will be no less than $50.00.
8.99% 5 Year
Credit and loans provided by Regions Bank, Member FDIC, (650 S. Main St., Suite 1000, Salt Lake City, UT 84101) on approved credit, for a limited time. 8.99% fixed APR, subject to change. Minimum loan amounts apply. Interest starts accruing when funds are disbursed. Open line period payments due 90 days after origination and monthly thereafter during open line period. When open line period ends, the balance becomes a fixed rate installment loan; repayment term is 60 months. Actual loan term may be shorter if less than the full approved amount of credit is used. First monthly loan payment due 30 days from the end of the open line period. 60 monthly payments of $21.11 per $1,000 borrowed. The minimum monthly payment will be no less than $50.00.
8.99% 7 Year
Credit and loans provided by Regions Bank, Member FDIC, (650 S. Main St., Suite 1000, Salt Lake City, UT 84101) on approved credit, for a limited time. 8.99% fixed APR, subject to change. Minimum loan amounts apply. Interest starts accruing when funds are disbursed. Open line period payments due 90 days after origination and monthly thereafter during open line period. When open line period ends, the balance becomes a fixed rate installment loan; repayment term is 84 months. Actual loan term may be shorter if less than the full approved amount of credit is used. First monthly loan payment due 30 days from the end of the open line period. 84 monthly payments of $16.36 per $1,000 borrowed. The minimum monthly payment will be no less than $50.00.
How to Apply
Explore Financing Options
Review our trusted partner lending companies below to compare flexible plans.
Understand Loan Terms
Click on a financing provider to learn more about their loan terms and application process.
Fast & Simple Application
Complete a quick online application, many decisions are made within hours.
Funds Approved
Once approved, you can use the funds directly for restoration services with Top Cleaning and Restoration.