Restoration operators complete emergency work immediately. Insurance carriers pay 60 to 90 days later. TurnKey Capital closes that gap — advancing capital against verified receivables the day the job closes.
A division of TurnKey Restoration Group — the Southeast's operator-first acquisition platform.
Restoration operators are not undercapitalized. They are underliquified. Every completed job is a real asset sitting idle while insurance processes at its own pace.
Emergency restoration is done on day one. Payment arrives 60 to 90 days later. In that window, operators fund payroll, equipment, and materials from personal accounts or high-interest credit lines.
Insurance-backed receivables tied to verified, completed work are highly predictable in structure. The industry still relies on factoring or ignores the asset class entirely.
Operators turn down jobs or can't staff them because cash is locked in open AR. The demand exists. The capital exists. The infrastructure to connect them has not been built — until now.
Carrier behavior, claim types, and expected payout timelines require a purpose-built underwriting model. Generic lenders cannot price this risk correctly and restoration operators pay for it.
TurnKey Capital advances capital against verified receivables — structured as asset-backed lending, not factoring. Underwritten against carrier behavior, claim type, and payment timeline intelligence built from inside the platform.
TurnKey acquires and operates restoration and remediation companies in the Southeast. Every operator on the platform generates structured, trackable receivables from day one.
Invoice creation, insurance claim tracking, payment reconciliation, and real-time AR aging — all centralized across the portfolio. Full visibility into every dollar in the pipeline.
Advance capital against verified receivables within 24 hours of job close. Operators receive immediate liquidity. TurnKey controls collections. Capital partners receive structured, secured yield.
As the operator portfolio grows, the receivables asset base grows with it. The warehouse line expands against a proven, data-driven underwriting model with real performance history.
TurnKey Capital changes this. Verified insurance-backed receivables become immediate working capital — deployed the same day a job closes, not 90 days later when an insurance carrier decides to process.
TurnKey Capital is built inside TurnKey Restoration Group — an operator-first acquisition platform targeting restoration, remediation, and reconstruction companies across the Southeast. This is not a standalone fintech. It is financial infrastructure built on top of real operating companies with real receivables.
Whether you're an operator looking for working capital or a capital partner looking for secured yield in an underserved vertical, we want to hear from you.
Restoration or remediation company sitting on open AR. Stop waiting on insurance. Get funded within 24 hours of job close.
Structured, asset-backed yield secured against verified insurance receivables. Purpose-built underwriting on a growing operator portfolio.
Tell us who you are and what you're looking for. We'll be back within one business day.