Cleaning Janitorial Services Invoice Factoring

Slow payments from commercial clients can make it hard to keep a cleaning crew on the road. While you wait thirty, sixty, or even ninety days for invoices to clear, you still have to cover payroll, vehicles, supplies, insurance, and taxes. Cleaning services invoice factoring turns those unpaid invoices into working capital so your janitorial company can stay fully staffed, equipped, and ready for every job.

Why Cleaning Businesses Turn to Invoice Factoring

Our cleaning and janitorial invoice factoring programs are built for companies that do the work long before they get paid. Instead of waiting on slow-moving AP departments, you can sell approved invoices and receive a large portion of the balance within days. This keeps cash flowing for payroll, fuel, chemicals, and replacement equipment.

Whether you run a small carpet cleaning team or a multi-location janitorial firm, guaranteed janitorial invoice factoring can help you manage growth, cover seasonal slowdowns, and handle new contracts without stressing over cash flow. With flexible terms, competitive advance rates, and a simple online process, you get reliable funding that moves at the same speed as your business.

Minimum Requirements for Cleaning & Janitorial Invoice Factoring

To qualify for cleaning company receivables factoring, most applicants need to meet these basic guidelines:

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 Invoice Factoring Options

Standard Recourse Janitorial Invoice Factoring

Phoenix business loans offer a range of financing options to help local businesses thrive. Whether you’re a startup or an established company, we provide the funding needed for growth, equipment, or working capital.

Non-Recourse Invoice Factoring for Cleaning Services

For businesses with consistent credit card sales, a merchant cash advance offers a quick and easy way to access capital based on future sales.

It’s perfect for businesses that need funds right now without going through traditional loan processes.

Spot Factoring for Large Cleaning Contracts

A business line of credit gives you flexible access to funds whenever you need them.

This revolving line of credit lets you borrow money, repay it, and borrow again without having to reapply each time.

Contract-Based Factoring for Regular Service Routes

If your business has assets to leverage, collateral loans provide an excellent option for securing funding at lower interest rates.

Use your property, equipment, or other valuable assets to secure the capital you need.

Invoice Factoring with Added Working Capital Features

Don’t let a low credit score hold you back.

We offer bad credit business loans for businesses in Phoenix that need financing but don’t meet the traditional credit requirements.

Cleaning & Janitorial Invoice Factoring Services

We understand that cleaning companies often operate on tight margins while serving demanding commercial clients. Our invoice factoring services are built to solve that problem by giving you quick access to the cash locked inside your unpaid invoices. From small local cleaners to regional janitorial firms, we tailor advance rates, notice procedures, and funding schedules to match how you bill and get paid.

Our application is straightforward, document requirements are clear, and approvals are typically fast, so you can focus on managing crews instead of chasing payments. Whether you need funding for payroll, new contracts, supplies, or fleet costs, our cleaning services invoice factoring solutions are designed to keep your cash flow steady all year long.

Who We Serve

Frequently Asked Questions

What is the process for getting cleaning janitorial invoice factoring?

Start by completing a short online application and sharing basic documents such as bank statements, a customer list, and recent invoices. We review your clients’ credit strength, set an advance rate and fee structure, and issue an approval. After that, you submit invoices through our portal, receive an advance on eligible invoices, and get the remaining balance (minus fees) once your customers pay. Funding can often start within a few business days.

What fees and terms apply to janitorial invoice factoring?

Fees are based on invoice volume, customer credit quality, and how long your clients typically take to pay. Instead of a fixed interest rate like a loan, you pay a small discount fee on the factored invoices. Terms are flexible, with no long-term obligation required for many programs. You only factor the invoices you choose, and all costs are disclosed upfront so you know exactly what you are paying for the service.

Can I qualify for invoice factoring if my cleaning company has credit challenges or slow-paying customers?

Yes. Invoice factoring focuses more on your customers’ creditworthiness than your personal or business credit score. Many cleaning companies with past credit issues still qualify as long as they have commercial clients that pay reliably. If some accounts are slow payers, we review their history individually and may approve selected customers. Factoring can actually help you rebuild stability by smoothing out cash flow and reducing the impact of late payments.

What types of invoices are eligible for cleaning company receivables factoring?

Most business-to-business invoices for completed work are eligible, including monthly janitorial contracts, one-time deep cleans, carpet cleaning jobs, floor care services, and post-construction cleanup. Invoices must be for services already performed, billed on net terms (such as 30, 45, or 60 days), and owed by creditworthy commercial clients or institutions. Consumer invoices and cash-on-delivery jobs typically are not factored, but we can review your full receivables list and confirm what qualifies.