Cleaning Business Funding
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.
Cleaning businesses — residential, commercial, janitorial, and specialty — qualify for MCA with 6+ months in business, $4,000–$6,000+/month in deposits, and a 500+ FICO. Recurring client payment patterns make cleaning services some of the most predictable MCA files. Most established cleaning businesses qualify for $6,000–$35,000 in 24–48 hours.
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 |
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 (application + 6 consecutive months bank statements + voided check) typically funds within 24–48 hours.
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
