CFACommercial Funding Advisory

Facility Services

Business Funding for Janitorial Services

Janitorial services overlap with commercial cleaning but typically focus on daily or nightly maintenance of occupied buildings. The work is steady but the margins are thin, often 10 to 15 percent on labor-intensive contracts. Growing means hiring more janitors, supervisors, and quality control staff. Employee turnover in janitorial is among the highest of any industry, so you are constantly recruiting and training, which costs money even when headcount stays flat.

Common Uses

What Janitorial Services Use Funding For

  • Fund payroll for new employees hired to service recently won building contracts
  • Purchase floor care equipment, restroom supplies, and chemical dispensing systems
  • Invest in employee screening, training programs, and uniforms for new hires
  • Cover the costs of bidding on larger contracts including bid bonds and insurance certificates

Funding Options

Best Funding Types for Janitorial Services

Invoice Factoring

Factor your monthly service invoices from building owners and property managers. Janitorial invoicing is predictable and recurring, making it ideal collateral for factoring companies that specialize in service businesses.

Working Capital Loan

Fund the ramp-up costs when you win a new multi-building contract. Hiring, equipping, and training a crew takes capital before the contract revenue begins, and a working capital loan bridges that gap.

Business Line of Credit

A revolving line covers payroll spikes and equipment purchases between monthly billing cycles. Draw when you need to hire and equip new teams, repay as monthly invoices are collected.

What Lenders Look For

Qualification Notes for Janitorial Services

Signed service agreements with building managers are the strongest proof of revenue you can show lenders
Workers' compensation insurance, general liability, and a janitorial bond must all be current and at adequate coverage levels
Lenders view companies with employee retention programs and documented training as lower-risk operations

Ready to Explore Funding for Your Janitorial Service Business?

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