Janitorial and Cleaning Service Loans up to $585,000
Is your janitorial or cleaning service business in need of additional funds? We’ve helped loads of cleaning service companies accomplish this. We can approve you for up to $585,000 within 24 hours. Start Now. Apply now to check how much you can get with no obligations, impact to your credit score or fees.

Owning and operating a janitorial or cleaning service business can be a lucrative venture with much lower barriers to entry than other service industries. However, while startup costs are generally low, cash flow in the early stages can be unpredictable as you build up your client base.
One sure way to keep daily operations running smoothly is by securing cleaning service loans or alternative financing options.
What Are Cleaning Service Loans?
Cleaning service loans help small business owners fund their operations through borrowed money, whether for a newer or well established business. However, overhead and business expenses still need to be covered even when there are gaps in job scheduling and even when clients don’t pay on time.
Having a financial cushion available in the business account helps cover unforeseen gaps in cash flow during slow periods as your cleaning business continues to grow.

Types of Financing for Cleaning Service Businesses
There are many types of loans, each with its own characteristics, including the amount available, the requirements for qualification, and terms of repayment. Below is a list of the most popular funding solutions for cleaning businesses.
A merchant cash advance allows cleaning companies to borrow money against their income generated from future earnings. Merchant cash advances are quick to obtain, and you can receive funding on the same or next business day. Since there is no credit check, not much paperwork is required. The ability to repay the MCA is based upon the funding institution’s review of income reports and daily business transactions.
Small business loans are a type of loan that is provided to cleaning businesses that need money in order to meet their financial needs. These loans are usually for a period of one to five years, and they are designed to help businesses cover things like inventory costs, employee salaries, and other short-term expenses.
Small Business Administration (SBA) loans offer cleaning business borrowers flexible repayment terms and interest rates. SBA has strict lending standards depending on the type of financing you are applying for. For cleaners, the most applicable types would be 7(a), 504, and microloans.
A business line of credit gives cleaning companies more flexibility by providing access to revolving business capital rather than one lump sum payment received through a small business loan. Credit line funds become available for use as the balance is paid down like a credit card.
Acquiring new equipment can accelerate business growth by opening the door for increased revenue and income. Cleaning businesses that can invest in a more significant number of commercial vacuum cleaners, floor buffers, rug cleaners, and company vans will be able to expand their client roster much more quickly than a business with limited capabilities.
A problem many small business owners face is that they do not have large amounts of cash available to purchase new equipment. In these situations, janitorial equipment financing can be an attractive solution.
If you have to make smaller purchases that don’t require a large amount of funds, you can also utilize a business credit card. To avoid paying interest, simply pay the balance in full each month.
How Do Cleaning Service Business Loans Work?
Cleaning service business loans work just like loans for any other industry. Once a small business owner goes through the loan application process and gets approved, the lender will dispense a one-time lump sum payment of a pre-specified amount of money.
After the lender funds the money, the business owner will be legally obligated to repay the total amount of the loan plus interest over a certain period of time.
How To Qualify For A Cleaning Service Loan (With the Best Rates)
A small business loan can either be a strategic tool for growth or significantly impact the ability of a cleaning business to be profitable. The deciding factor for whether or not to take out a small business loan is often the interest rate.
Conventional lenders look at several key figures when determining what interest rate to charge a small business owner. These factors include business and personal credit scores, time in business, industry risk, physical collateral, type of loan, and loan term.
While some of these criteria may be out of your control, having a solid application in other areas (like credit history) is highly beneficial.
Are There Cleaning Service Loans for Bad Credit?
Yes, but it will require some additional work and higher rates. The minimum acceptable credit score for a conventional lender is usually 670. Suppose you are unable to obtain lender approval through traditional methods. In that case, you can strengthen your application in two ways: offer physical collateral to reduce lender risk or add a co-signer to the application who has an excellent credit history.
A business cash advance is a financing option to consider if you have a new or established small business with predictable income streams. Approval is based on business health and does not rely on credit scores.

Where to Get Cleaning Service Loans
Loans for cleaning businesses can be funded through brick-and-mortar banks or specialized online lenders. Once you determine which type of financing you will need and what you may qualify for, you can begin to shop for a lender.
Online lenders are more flexible. If you don’t have physical collateral or established business time and need money fast, your best bet is to apply online. As a bonus, funds can be in your account within a business day.
How to Apply for Janitorial and Cleaning Business Funding
Eligibility Requirements
To be considered by mCashAdvance™, you must meet the following requirements:
- A legal U.S. citizen or permanent resident
- Must be at least 18 years old
- Your business must have been in operation for at least six months
- Have a credit score of 500 or higher
Funding Limits
Funding amounts vary depending on your business’s health and financial situation, but you may be eligible to receive up to $500K.
Term Length
The length of time you have to repay the merchant cash advance will vary based on the amount of funding you receive and how much business you’re doing.

Pros and Cons of Janitorial and Cleaning Company Loans
Small business loans are frequently relied on by companies that provide cleaning services as one way to grow their companies strategically. However, in order to make informed financial decisions, it’s essential to be aware of the pros and cons of choosing a cleaning service loan as a financing option.
Pros of Cleaning Service Loans
Loan Options To Fit Your Business’s Needs
There are a variety of different small business loans available depending on a cleaning company’s unique needs. From microloans for bulk supply purchases to 504 loans for investing in real estate, you can be sure to find a type of loan that fits your needs.
Access to Large Amounts of Capital
Overcoming cash flow challenges, hiring a business coach, and running massive advertising campaigns all have one thing in common – they cost money. And money is something not every cleaning company can easily access. Taking out a small business loan can help scale your cleaning business to the next level by investing in items and services with high ROI.
Lower Interest Rates
Small business loans typically have lower interest rates than business credit cards and lines of credit. The total sum paid back to the lender from a business loan will be less than if you were to charge necessary items and services to a credit card with balances carried month-to-month.
Cons of Cleaning Service Loans
Long List of Prerequisites to Qualify
Obtaining a small business loan from a lender requires meeting rigorous eligibility requirements to get approved. Without a satisfactory application and proven ability to generate revenue, securing decent funding via a small business loan will be an uphill battle.
Interest Rates Are Dependent On Credit History
Your credit score is a significant factor when it comes to how affordable a loan will be for your small business. Lower credit scores will result in higher interest rates reducing the benefit of obtaining financing.
Lenders Prefer Established Businesses Over New Businesses
If you’re a fresh entrepreneur with grand plans, it might be hard to get your cleaning business off the ground without any concrete proof that your business will become profitable. Traditional lenders want to see profit/loss statements and associated revenue projections.
Putting Up Collateral
To reduce risk and be sure their balance will be repaid on time, some lenders require some form of collateral to take out a business loan.
If you are in the beginning phases of the business journey, this often takes the form of personal assets such as your house. If your cleaning business fails and loan payments cannot be satisfied, you are in danger of losing your home to meet the outstanding loan balance.

Alternatives to a Cleaning Service Loan
You may still be able to get a business loan even if you do not qualify for an unsecured loan. You may be able to qualify for a loan by utilizing collateral or through use of a co-borrower with good credit.
Invoice financing is another alternative to unsecured business loans. By using invoice financing, cleaning companies are able to borrow against outstanding invoices, improving cash flow quickly and easily.
You may also consider a loan funded for a specific purpose or need – like equipment financing.
Other Industries We Finance
Cleaning Services and Janitorial Financing
Frequently Asked Questions
Yes, absolutely! There are a number of financing options available to companies who offer residential or commercial cleaning services.
Yes, there are a variety of financing options available for cleaning companies. Merchant cash advances, business lines of credit and business credit cards are the most common ways to fund a startup.
MCA offers funding solutions up to $500,000 to qualified cleaning business owners.
While some small business loans like the SBA microloan carry some restrictions, most do not. You can generally use the funds from your loan for any needs that may arise within your cleaning business. This includes startup costs, paying employees, cleaning supplies, purchasing equipment, advertising campaigns, and any expenses associated with licensing or insurance.

Funding Your Business Is Our Business
Cleaning Service Loans Can Grow Your Business
Many lending options are available to help janitorial and cleaning service companies sustain or scale their businesses. Contact mCashAdvance™ to apply for funding or give us a call to learn more about our innovative financing options.
Find The Best Payment Processing For Cleaning Service Businesses
If you own a cleaning service business, you know that offering credit or debit card payment options is not cheap. The margins for cleaning services are already thin, so additional expenses like credit card processing fees can hurt your bottom line. Whether you are looking to offer credit card processing to your clients or you already offer it but are looking for cheap credit card processing, mCashAdvance™ has the answer. mCashAdvances™ provides payment processing services for cleaning businesses. This is a no fee service. Each time you process a credit card, your transaction fee is zero. Zero fees eliminates the cost of processing credit cards for your cleaning service business. Instead you will be charged a small fixed subscription fee for using the service each month.

Does Your Business Need Funding Today?
There’s no fee or obligation, and it won’t impact your credit.
$5,000 – $1,000,000
Talk to a rep at (855) 433-8641
Mon – Fri | 9:00am – 8:00pm