CFACommercial Funding Advisory

Facility Services

Business Funding for Commercial Cleaning Companies

Commercial cleaning companies can start with low capital but hit a ceiling quickly. Landing a large office building, hospital, or warehouse contract requires you to staff up, buy equipment, and carry payroll for weeks before the first check arrives. Most commercial contracts pay on net-30 terms, and the labor costs are immediate. Growing from small offices to large-scale janitorial and specialty cleaning means investing in floor machines, carpet extractors, and specialized chemicals.

Common Uses

What Commercial Cleaning Companies Use Funding For

  • Purchase commercial floor scrubbers, carpet extractors, and pressure washing equipment
  • Cover payroll for cleaning crews on new contracts before the first payment cycle
  • Stock cleaning chemicals, supplies, and PPE for large-facility contracts
  • Fund bonding and insurance requirements needed to bid on government and healthcare cleaning contracts

Funding Options

Best Funding Types for Commercial Cleaning Companies

Invoice Factoring

Factor your monthly cleaning invoices to get paid within days instead of waiting 30 to 45 days. Commercial cleaning companies with multiple contracts can factor selectively, choosing which invoices to fund based on cash flow needs.

Equipment Financing

Finance ride-on scrubbers, burnishers, and carpet machines that cost $2,000 to $30,000 each. Cleaning equipment is durable and has a clear resale market through distributors like CleanStar and JanPak.

Working Capital Loan

Get a lump sum to fund the startup costs of a major new contract. Use it for hiring, uniforms, equipment, and initial supply orders, then repay from the contract revenue over the following months.

What Lenders Look For

Qualification Notes for Commercial Cleaning Companies

Lenders want to see signed cleaning contracts with terms, frequency, and monthly values documented
General liability insurance and a janitorial bond are required for most commercial contracts and for lender approval
Companies with recurring monthly contracts show more predictable revenue than those dependent on one-time deep cleaning jobs

Ready to Explore Funding for Your Commercial Cleaning Companie Business?

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