Who we fund
Cleaning and Janitorial Business Loans for Payroll, Equipment, and Growth
Yes, cleaning and janitorial companies can get funding. Commercial cleaning companies often use invoice factoring to cover payroll while clients pay on terms, while residential services lean on working capital and equipment financing to grow.
Get matched: cleaning
The reality
Cash-flow challenges we hear every day.
Payroll-heavy business with slow commercial payers
Labor is the biggest cost, and crews are paid weekly or biweekly. Office buildings, property managers, and facilities clients often pay on net-30 or longer.
Upfront costs to start a new contract
Winning a large commercial account means hiring and training staff, buying supplies, and sometimes buying equipment before the first invoice.
Staff turnover
High turnover means constant recruiting and training costs, which eat into margins and require cash on hand.
Specialty equipment
Floor scrubbers, carpet extractors, pressure washers, and vehicles are needed for commercial and specialty work and cost a lot upfront.
Best-fit funding
Funding that fits cleaning.
Factoring invoices from commercial clients turns net-30 or net-60 receivables into payroll cash, which suits janitorial companies growing their contract base.
$10K–$5M‡1–3 days*Floor machines, extractors, and work vans can be financed with the equipment as collateral, so you can take on specialty jobs.
$10K–$5M‡2–5 days*Working capital helps cover hiring and supply costs when starting a large new contract.
$10K–$1M‡24–72 hours*A line of credit provides a buffer for payroll when a client pays late, and you only use it when needed.
$10K–$500K‡1–3 days*What lenders look for
Typical profile for cleaning.
Lenders generally review bank statements, time in business, and the owner's credit. For factoring, the payment history and creditworthiness of your commercial clients matter most.
Common uses of funds
- Covering payroll while waiting on commercial clients
- Buying floor scrubbers, carpet extractors, and pressure washers
- Hiring and training crews for a new contract
- Adding work vans for new routes
- Buying bulk cleaning supplies
- Obtaining bonding and insurance for larger accounts
Can a janitorial company factor its invoices?
Yes, janitorial and commercial cleaning companies often use factoring because their clients are businesses paying on terms.
Can I get funding for a residential cleaning business?
Yes. Residential cleaning companies with steady deposits can qualify for working capital, lines of credit, and equipment financing.
How do I fund the startup costs of a big new cleaning contract?
Working capital or a line of credit can cover hiring, supplies, and equipment, and factoring can then cover payroll once you start invoicing.
Do lenders care if my workers are contractors or employees?
Lenders mainly look at cash flow, but properly classifying workers and being current on payroll taxes matters, since tax issues can affect approval.
Funding for cleaning, matched in minutes.
- Decisions in as little as 24 hours*
- $10K–$5M+ across 10 products
- No hard credit pull to apply
- One dedicated funding advisor