Business Loans for Cleaning Companies (2026)

Short answer: A business line of credit is the usual fit — draw to make payroll while a commercial client’s net-30/60 invoice is pending, then repay when it lands, paying interest only on what you used. Invoice factoring is another option.

Cleaning and janitorial businesses are payroll-heavy and contract-driven — you pay crews weekly but commercial clients pay on net-30 or net-60. That gap, plus the cost of equipment and supplies, is exactly where the right financing keeps you growing. Fundmerica is a business financing marketplace, not a lender: one soft-pull application matches you to 75+ funding sources that understand recurring-revenue service businesses.

What Cleaning Companies Fund

• Payroll between invoices — pay crews while a commercial contract’s payment is pending
• Equipment — floor scrubbers, pressure washers, carpet extractors, vans
• Supplies — bulk chemicals and consumables ahead of new accounts
• Hiring & onboarding — scale crews to win a bigger contract
• Marketing — bid on and land commercial accounts

Best Options for Janitorial & Cleaning

• Business line of credit — the go-to for the payroll-vs-invoice gap; revolving, interest only on what you draw.
• Invoice factoring — turn unpaid commercial invoices into cash now, with no new debt.
• Equipment financing — finance machines and vans with the asset as collateral.
• Working capital loans — a lump sum to staff up for a new contract.
• Revenue-based financing — repayment flexes with sales; approves credit as low as 500.

Qualifying

Most products want 6+ months in business, $10,000+ in monthly revenue, and a 550+ credit score; stronger profiles unlock SBA loans at the lowest rates. Recurring contract revenue is a strong signal — bring three months of bank statements. Bruised credit? See bad-credit options.

The Smart Move

Use a line of credit or factoring for the invoice gap, finance equipment over its useful life, and keep merchant cash advances for true emergencies only. See what your cleaning business qualifies for with no FICO impact, or call (888) 490-3126.