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Equipment, crews, and contract mobilization for residential and commercial cleaning companies.
Cleaning companies grow one crew at a time — and every new crew needs a vehicle, equipment, and supplies before it earns its first invoice. Commercial contracts add a second squeeze: janitorial work bills net-30 or net-60 while payroll runs weekly. Capital is usually the ceiling on how many contracts you can say yes to.
We fund residential, commercial janitorial, specialty (windows, carpets, post-construction), and franchise cleaning operations at $5,000–$10 million, on the standard bar: 4+ months operating, $10,000+ in monthly revenue.
What an underwriter sees in a janitorial account is a business with respectable revenue and almost no cushion. Commercial clients pay monthly on net-30 or net-60 in a handful of large transfers, while crews are paid weekly, so the balance climbs when a client pays and drains for weeks before the next check lands. Monthly revenue sets the band an offer can fall in; the average daily balance between those deposits most often decides where in it the offer lands, because a remittance is paid out of the balance rather than out of the revenue. A company that leaves a float in its operating account through the window reads very differently from one that empties to nearly zero every Friday.
The pattern we see most: a company wins a contract worth more per month than everything it currently bills, then discovers the ramp costs real money before the first invoice clears. Mobilization — vehicle, equipment, supplies, and several weeks of payroll — has to be funded up front, and the contract reimburses none of it until the second month. That gap is the whole reason this sector borrows, and it underwrites well: unlike an open-ended shortfall, it has a defined end.
Cleaning companies typically see 80%–150% of monthly revenue, within $5,000 to $10 million. A company doing $25,000 a month generally lands in the $20,000–$37,500 band. Signed recurring contracts tend to support the upper end more readily than one-off work.
Yes — you qualify on your own unit’s revenue. Franchise-brand cleaning operations are common files.
We arrange equipment financing through a direct lending partner; what we fund in house is working capital, which can pay for equipment too. Big-ticket machines (ride-on scrubbers, extraction units) with a vendor quote are worth pricing both ways; supplies and payroll are working capital. Both can run together.
That's a common and fundable situation once the contract is signed. Hiring and equipping ahead of the first invoice is exactly the gap this covers.
They help. Scheduled commercial work is more predictable than ad-hoc residential jobs and tends to support the upper end of the range.
Not on deals up to $2 million, and on those deals there's no confession of judgment in our agreements either. No collateral is required on anything we fund in house. Worth verifying on any competing offer — a filed lien against the business is public and can surface in a vendor credit review, which matters if you're bidding institutional or municipal contracts.
Comfortably, on a clean file. Decisions come within 24 business hours and, on deals up to $2 million, funding lands within 24 hours of approval — 1–3 business days end to end, and a clean file submitted before 2pm ET can fund the same day. The delay is almost never the decision; it's missing bank statements.
It is usually a question of size rather than of yes or no. The remittance comes out of the balance, so an account that empties every week has less room to carry one than an account with the same revenue and a float sitting in it. The offer is sized down until the balance covers it, and only a balance with almost no cushion for the debit is usually a decline. Negative days matter more than a thin balance does. A few isolated ones across the window are normal and survivable; an overdraft in the same week of every month says the business is already short before anything new is added, and no responsible funder should put a debit on top of that. Where the timing is yours to choose, apply from a clean window.
As an ordinary recurring debit, and it is neither a surprise nor a mark against you. Underwriting reads the whole debit side rather than only the deposits: royalties, equipment payments and existing funder debits all reduce what the account can carry, and each is read as a fact about the business. What matters is that the picture is complete. An existing advance that goes undisclosed but is plainly visible in the statements changes the question from whether the cash flow supports funding to whether the rest of the application is accurate. Disclose what already debits the account, with payoff figures for anything you plan to retire out of the proceeds.