Cleaning Janitorial Services Business Loans

Keeping buildings spotless takes staff, vehicles, supplies, and reliable cash flow. When clients pay on slow terms but payroll, fuel, and chemicals are due now, even a strong cleaning company can feel the squeeze. That is where targeted business loans for cleaning service providers make a real difference.

Why Cleaning & Janitorial Businesses Turn to Business Loans

Cleaning and janitorial companies often grow fast once they land a few large contracts. The challenge is carrying payroll, equipment costs, and supplies until those invoices are paid. Our business loans for cleaning companies are designed around that reality.

You can use funding to hire extra crews for a new contract, replace aging vacuums and floor machines, buy vehicles, or cover insurance and licensing costs. Fixed, predictable payments help you manage cash flow, while flexible terms let you borrow only what you need.

Whether you want a short-term boost to smooth out cash gaps or ongoing working capital support, our small business loans for cleaning service companies give you room to grow without slowing down operations.

Minimum Requirements for Cleaning Business Funding

To qualify for a cleaning janitorial business loan, you should 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 Business Loan Options

Small Business Term Loan

A traditional small business term loan provides a lump sum you repay over a fixed schedule. It is ideal for larger one-time needs, such as purchasing vehicles, upgrading equipment, or buying out a partner. Payments are predictable, so you can budget around your existing contracts.

Merchant Cash Advance

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.

Business Line of Credit

A business line of credit gives you flexible access to working capital. Draw only what you need for payroll, supplies, or fuel, repay as you go, and reuse the line again. Many cleaning services use this to bridge the gap between client invoicing and payment.

Equipment Financing

Equipment financing helps you purchase or upgrade vacuums, scrubbers, pressure washers, and other gear with the equipment itself serving as collateral. This keeps cash free for day-to-day expenses while you spread the cost of essential tools over time.

Receivables Funding

If clients take 30, 60, or 90 days to pay, invoice financing can unlock a portion of that cash early. You use outstanding invoices from reliable customers to secure funding, which helps stabilize cash flow without waiting for every check to clear.

Cleaning Janitorial Services Loan Services

We understand that cleaning and janitorial work often runs on thin margins and long hours. Our role is to make funding straightforward so you can focus on winning and servicing contracts.

We review your revenue, contracts, and goals, then recommend business loans for cleaning service providers that match your situation. From short-term working capital to larger equipment purchases or expansion into new territories, we structure funding to support steady, sustainable growth.

Applications are simple, documentation is minimal, and decisions are made quickly, helping you move forward without weeks of uncertainty.

Who We Serve

Frequently Asked Questions

What is the process for getting a cleaning business loan?

Start by completing a short application and sharing basic details about your company, revenue, and time in business. We review your information, discuss options with you, and, once approved, funding can be deposited in your account in a few business days.

What are the repayment terms for a cleaning janitorial business loan?

Repayment terms vary by product, typically ranging from several months to a few years. Some options use fixed daily or weekly payments, while others follow a monthly schedule. We work with you to choose terms that fit your cash flow and contract timing.

Can I apply if my credit score is low?

Yes. We consider more than just your personal credit. Revenue, length of time in business, and the strength of your contracts also matter. Even if your score is under perfect, there may still be a suitable funding option for your cleaning company.

What are the eligibility requirements for a cleaning janitorial services business loan?

Generally, you need at least five months in business, monthly revenue of $10,000 or more, and 51% or greater ownership. Meeting these guidelines helps us offer realistic terms and ensures the funding supports long-term success for your company.