Cleaning Janitorial Services Business Line of Credit

Cleaning and janitorial businesses move on tight schedules and thin margins. You have crews to pay, supplies to restock, vehicles to fuel, and invoices that can sit unpaid for weeks. The right cleaning business line of credit gives you flexible working capital so you can keep jobs on track, cover payroll on time, and stay ready for new contracts without stressing over short-term cash gaps.

Cleaning Janitorial Services Business Line of Credit

Our funding solutions are built around how cleaning and janitorial contractors actually operate. A tailored Line of Credit for Janitorial Services can be used for payroll, chemicals, paper goods, equipment leases, fuel, uniforms, insurance, and more. You only pay interest on the amount you draw, so you are not tied to a large fixed payment when work temporarily slows down.

From small owner-operator teams to larger commercial providers with multiple crews, we can size a Commercial Cleaning Line of Credit to match your route density, customer mix, and contract terms. When a new opportunity pops up and you need extra staff or supplies quickly, your line is ready so you do not have to turn away profitable work.

Minimum Requirements for Cleaning & Janitorial Funding

These are the typical starting points lenders look for when reviewing applications for business lines of credit for cleaning companies:

Minimum Revenue	$10,000 / month
Length in Business	5 months or more
Ownership %	Minimum of 51% Ownership
Personal Credit	US FICO 500+

Types of Cleaning & Janitorial Credit Solutions

Everyday Cleaning Business Line of Credit

This revolving facility covers routine expenses like supplies, fuel, tolls, small tools, and payroll.

It is the core cleaning business line of credit that keeps your crews equipped and paid while invoices are still pending.

Commercial Cleaning Line of Credit for Larger Contracts

Ideal for companies handling office towers, schools, or multi-site accounts.

This Commercial Cleaning Line of Credit helps you fund staffing and materials for big jobs that may pay on longer terms.

Janitorial Equipment and Vehicle Funding Line

Scrubbers, vacuums, extractors, and vans can be expensive. This option lets you spread those purchases over

time so your Line of Credit for Janitorial Services remains available for day-to-day cash flow needs.

Startup and Expansion LOC for Cleaning Companies

Use this facility when you are opening a new branch, adding night crews, or expanding into specialty services like floor

care or post-construction cleanup. It supports hiring, marketing, and extra inventory until new contracts stabilize.

Credit Options for Cleaning Firms with Past Credit Issues

If your personal credit history is not perfect, you may still qualify for a smaller cleaning business line of credit based on revenue, deposits,

and contract quality. With steady use and on-time payments, you may be able to grow your limit over time.

Cleaning & Janitorial Credit Services

Cleaning and janitorial companies are often the first in and last out, working nights, weekends, and holidays to keep client spaces spotless. A surprise cancellation, late payment, or equipment failure should not derail your operation. Our credit services are designed to give you a dependable backup so you can keep staff on the schedule and customers satisfied.

The process is straightforward: complete a short application, share recent bank statements and basic financial information, and we review your cash flow and customer base. Once your cleaning janitorial services business line of credit is approved, you can draw funds as needed for supplies, payroll, and growth opportunities, then repay as client payments arrive. Clear terms and flexible repayment options help you manage cash without losing focus on service quality.

Who We Serve

Frequently Asked Questions

What is the process for getting a cleaning and janitorial business line of credit?

You complete a brief application with information about your company, ownership, and monthly revenue, then provide recent bank statements and basic financials. After reviewing your numbers and customer mix, a credit limit is proposed. Once you accept the offer, your cleaning janitorial services business line of credit is opened and you can start drawing funds for working capital.

What are the repayment terms for a cleaning business line of credit?

Repayments are usually due monthly and are based on the outstanding balance, not the full credit limit. As you receive payments from clients and reduce the balance, that amount becomes available again. This makes a cleaning business line of credit a reusable tool rather than a one-time loan.

Can I qualify for a Line of Credit for Janitorial Services if my credit score is low?

It may still be possible. While your personal credit score is part of the review, lenders also look at your company’s revenue, time in business, and deposit history. Many owners start with a modest Line of Credit for Janitorial Services and request increases after they show consistent performance and on-time payments

What are the eligibility requirements for business lines of credit for cleaning companies?

Typical requirements include meeting the minimum monthly revenue threshold, having at least several months of operating history, and holding at least 51 percent ownership in the business. You will also need a valid U.S. FICO score and standard business documents so the lender can verify your information and structure the right Commercial Cleaning Line of Credit for your needs.

Cleaning Janitorial Services Business Line of Credit