Cleaning Business Funding
Top-Tier ISO Network | 24-48 Hr Decision | App + 6 Months Statements
Recurring weekly clients, predictable monthly revenue, and consistent bank deposits make cleaning businesses excellent MCA candidates. Whether you're buying a van, stocking supplies, or hiring a new crew — here's how cleaning service owners get funded in 24–48 hours.
Commercial cleaning businesses qualify for MCA funding based on 6 consecutive months of bank deposits, not a business plan or collateral. Initial review needs a 1-page application plus those statements — funding can land in 24-48 hours once approved.
All cleaning segments qualify — here's how underwriters view the deposit profile for each.
Cleaning business tip: If clients pay by check or cash, deposit them the same day into your business account. Delays between when work is done and when payments are deposited create gaps in your bank statement that underwriters notice. Consistent, frequent deposits tell the best story about your business's activity level.
MCA amounts are typically 75%–150% of average monthly bank deposits. Cleaning businesses with recurring contracts qualify at the higher end.
Cleaning Business MCA Estimate
| Monthly Deposits | Conservative (75%) | Standard (100%) | Strong File (150%) |
|---|---|---|---|
| $4,000–$6,000/month | $6,000 | $8,000 | $12,000 |
| $15,000/month | $11,250 | $15,000 | $22,500 |
| $25,000/month | $18,750 | $25,000 | $37,500 |
| $40,000/month | $30,000 | $40,000 | $60,000 |
| $60,000/month | $45,000 | $60,000 | $90,000 |
Illustrative examples built from typical underwriting profiles for this industry — not records of specific named customers or guaranteed outcomes. Actual approval amount, timeline, and rate depend on your own bank statements and profile.
A merchant cash advance is a purchase of future receivables, not a loan — the right tool depends on what you're funding and how your deposits look.
| Feature | Merchant Cash Advance | Term Loan | Equipment Financing |
|---|---|---|---|
| What it is | Purchase of a fixed amount of future receivables | Fixed-term borrowed principal, repaid with interest | Loan secured specifically by the equipment purchased |
| Cost structure | Factor rate (typically 1.10–1.50) applied once — not annualized | Interest rate (APR), compounds over the loan term | Interest rate (APR), tied to equipment value and term |
| Repayment | Daily/weekly holdback as a % of deposits — rises and falls with revenue | Fixed monthly payment regardless of revenue | Fixed monthly payment over the equipment's useful life |
| Collateral | None required — a UCC-1 is filed against future receivables | Often required (business or personal assets) | The equipment itself is the collateral |
| Best fit for a cleaning business when... | You need working capital fast — payroll, supplies, or a slow-season bridge | You have 2+ years of financials and want the lowest annualized cost | You're buying a specific van, buffer, or extractor and want it as the sole collateral |
| Approval basis | Primarily average monthly deposits — 500+ FICO, 6+ months in business | Credit history, financials, time in business (typically 2+ years) | Credit history plus the resale value of the equipment |
T.A.G. Business Funding is an Independent Sales Organization (ISO) — not a direct lender — connecting business owners to funding partners across MCA, term loan, and equipment-financing products. Compare all funding types in detail →
Winning a commercial janitorial contract creates a funding gap before it creates revenue — equipment, insurance, and staffing all have to be in place before the first invoice is paid.
MCA underwriting evaluates your existing deposit history, not the pending contract's projected revenue — so funding for a new contract is sized on your current business, not the deal you're about to win. Apply once the contract is signed and startup costs are known.
The question isn't "can I use MCA for a cleaning contract" — it's whether the financing cost is smaller than the margin the contract itself will generate. Here's how to run that math on your own numbers. All figures below are illustrative and hypothetical — not sourced statistics or a guaranteed outcome — use them as a template, not a benchmark.
| Line item | Illustrative amount |
|---|---|
| Monthly contract revenue | $15,000/month |
| Initial equipment/supply cost | $6,000 (one-time, before first invoice) |
| Weekly payroll for this contract | $2,200/week (2 cleaners) |
| Customer payment timing | Net-30 (first payment ~30 days after work begins) |
| Cash needed before first payment arrives | $6,000 equipment + ~4 weeks payroll ($8,800) = $14,800 cash gap |
| Illustrative MCA advance to cover the gap | $15,000 at a 1.30 factor rate = $19,500 total repayment |
| Financing cost (cost of capital) | $19,500 − $15,000 = $4,500 |
| Estimated contract margin, Year 1, before financing cost | Illustrative: $15,000/mo × 12 − ($6,000 equipment + $2,200/wk × 52) = $180,000 − $120,400 = $59,600 |
| Estimated contract margin, Year 1, after financing cost | $59,600 − $4,500 = $55,100 |
Yes. Cleaning businesses qualify for MCA with 6+ months in business, $4,000–$6,000+/month in deposits, and 500+ FICO. Recurring client payment patterns create consistent deposit histories that underwriters evaluate favorably. Most established cleaning services fund in 24–48 hours.
Cleaning business MCA amounts are typically 75%–150% of average monthly deposits. A service averaging $10,000/month qualifies for $7,500–$15,000. Commercial cleaning with larger recurring contracts can qualify for $25,000–$75,000+.
Yes. Solo cleaners operating as sole proprietors qualify with the same criteria: 6+ months in business, $4,000–$6,000+/month in deposits, 500+ FICO. A dedicated business bank account strongly improves the application but personal accounts with clearly identifiable business income are accepted.
Common uses: service van purchase, professional equipment, team hiring, cleaning supply inventory, insurance prepayment, scheduling software, marketing campaigns, and payroll bridge during slow months. No restrictions on use within the business.
Yes. Commercial cleaning contracts with recurring monthly payments demonstrate predictable revenue — which underwriters view positively. The cleaner and more predictable your deposit pattern, the stronger your file.
MCA is based on actual deposits — not invoiced revenue. If slow-pay clients delay deposits, your qualifying average may be lower than your invoiced revenue. For heavily B2B cleaning businesses with net-30/60 terms, invoice factoring may be a better fit. For businesses collecting within 1–2 weeks, MCA works well.
Tax liens do not automatically disqualify a cleaning business from MCA. Most funders allow tax liens if the business demonstrates consistent monthly deposits and the lien is documented. An active IRS payment plan is viewed more favorably than an unresolved lien. Tax liens typically add 0.05–0.12 to the factor rate.
Most established cleaning businesses with a complete file receive an offer within 4–8 hours and funding within 1–2 business days of accepting. For files submitted before noon ET, same-day funding is available. A complete file — a signed application plus 6 consecutive months of business bank statements — typically funds within 24–48 hours.
A factor rate is a one-time multiplier, not an annualized interest rate. A $20,000 advance at a 1.30 factor rate means $26,000 total repayment. Cleaning businesses typically see factor rates between 1.10 and 1.50, driven by monthly deposit volume, time in business, and personal credit — recurring commercial contracts tend to earn rates at the lower end of that range.
Underwriters review the 6 most recent consecutive months of business bank statements to verify real deposit volume and a minimum ending balance of $4,000+ each month — not invoiced revenue or projections. For cleaning businesses, this window captures at least one slow season and one peak season, giving a more accurate picture than a shorter snapshot would.
The most common: a second van or vehicle when adding routes, commercial-grade equipment (floor buffers, steam cleaners, extractors) for a new contract, payroll coverage when hiring ahead of a signed contract's start date, and a working-capital bridge through a seasonally slow month. Growth-driven needs (new contract, new hire) typically underwrite more easily than needs tied to an existing cash shortfall.
No. An MCA is a purchase of a fixed amount of your future receivables, not a loan — there's no interest rate, no fixed monthly payment, and no fixed maturity date. A term loan has a fixed rate, fixed payment, and a set payoff date regardless of how your revenue moves month to month. See what a merchant cash advance is for the full breakdown.
One-page application, 6 consecutive months of bank statements, funded in 24–48 hours. Built for cleaning service owners who need to move fast on a van, equipment, or new hire.
Or call/text: 330-238-3003
T.A.G. Business Funding
500 FICO minimum. Bank declines OK. Revenue matters more than credit score. Most decisions in 24 hours.
500 FICO minimum · $4K–$6K+/month revenue · Funded in 1–3 days
