Georgia · Janitorial Services Industry
Janitorial and commercial cleaning contractors carry real, continuous capital demands: floor equipment, bulk paper and chemical inventory, and the crew wages that start the moment a new contract begins. Metro Atlanta's office towers along the Buckhead, Midtown, and Central Perimeter corridors, its dense concentration of warehouse and distribution space along the I-285, I-75, and I-85 freight corridors, and its downtown hotel and convention district around the Georgia World Congress Center all depend on contracted commercial cleaning, and winning one of those facility contracts often means outfitting a crew before the first invoice is ever paid.
Janitorial Services businesses in Georgia qualify for MCA with 6+ months in business, $4,000-$6,000+/month in business bank deposits, and a 500+ FICO. Initial submission is a signed application plus 6 consecutive months of business bank statements: personal bank statements are not accepted. Decision timing is set by the funding provider.
A meaningful share of Georgia's commercial cleaning demand does not come from small retail storefronts. It comes from large facilities that each require a dedicated janitorial contract: Class A office towers in Buckhead, Midtown, and the Central Perimeter submarket around Ashford Dunwoody Road; big-box distribution and fulfillment centers stacked along the I-285 perimeter and the I-75 and I-85 freight corridors that make metro Atlanta one of the busiest logistics hubs in the Southeast; and the hotel and convention properties clustered downtown around the Georgia World Congress Center and Mercedes-Benz Stadium. Each of those property types runs its own facility-management bidding process, and an incumbent janitorial contractor is rarely guaranteed automatic renewal. A property manager or general contractor typically rebids a cleaning contract on a set cycle, inviting several janitorial companies to submit pricing and staffing plans before awarding or renewing the work. Winning one of those bids is good news for a janitorial contractor's revenue, but it also means absorbing the cost of staffing, training, and equipping a new crew before the property ever pays a first invoice.
Winning a new office tower, warehouse, or hotel contract is where the real cash timing problem starts for a janitorial company. Before the first cleaning cycle is even billed, a contractor typically has to hire and train a crew sized to the new site, buy or reassign floor equipment, and stock enough bulk paper, chemical, and trash-liner inventory to service the property from day one. None of that is optional or deferrable: a facility expects its cleaning crew on site and fully supplied from the contract start date. Meanwhile, the property manager or general contractor that awarded the contract typically pays on net-30 or net-60 terms, so the first invoice for that new site is not collected for one to two months after the work begins. Payroll for the crew does not wait that long. Commercial cleaning crews are commonly paid weekly or biweekly, and bulk supply and equipment costs are due on delivery, so the contractor is covering continuous payroll and supply costs on a new contract for weeks before a dollar of revenue from that site actually arrives.
This is the kind of gap MCA funding is built to bridge. It is not sized off the new contract itself or off a property manager's payment history; it is sized off a janitorial company's existing business bank deposit history, so a contractor with 6 months of consistent bank activity can staff, train, and supply a newly won contract without waiting on the first net-30 or net-60 invoice to clear.
A merchant cash advance is priced with a one-time factor rate, not an annualized interest rate. Example: a $15,000 advance at a 1.20 factor rate means $18,000 total repayment, a $3,000 cost of capital. That total is fixed at origination and repaid via a daily or weekly percentage of your bank deposits, not a fixed monthly loan payment. MCA agreements typically require a personal guarantee from the business owner. Funding partners generally run a soft credit check for initial review, with a hard pull typically occurring later, before final approval; that hard pull can affect your credit score by a few points.
| Advance Amount | Factor Rate | Total Repayment | Cost of Capital |
|---|---|---|---|
| $15,000 | 1.20 | $18,000 | $3,000 |
Georgia enacted SB 90, the Commercial Finance Disclosure Law, signed May 1, 2023 and effective January 1, 2024. It applies to commercial financing transactions of $500,000 or less, including merchant cash advances, and requires the provider to disclose the total cost of capital, an APR-equivalent figure, and the repayment structure before a merchant signs. Georgia is one of a small number of states with an enacted commercial-financing disclosure law on the books, and not every state that regulates this market requires the same figures. T.A.G.'s funding partners provide full SB 90-compliant disclosures on every Georgia offer.
A merchant cash advance is not the right tool for every situation. Before applying, it is worth being honest about which column below actually describes a janitorial or commercial cleaning business right now.
T.A.G. Business Funding
$4,000-$6,000+/month revenue, 6 consecutive months of statements, 500+ FICO minimum.
500+ FICO minimum · 6+ months in business · $4,000-$6,000+/month revenue
Yes. Janitorial Services businesses in Georgia qualify for MCA with 6+ months in business, $4,000-$6,000+/month in business bank deposits, and a 500+ FICO. Approval is based on your deposit history, not your credit score alone.
Exactly 6 consecutive months of business bank statements: the same window used for the time-in-business minimum, with an average ending balance of $4,000+ across your 6 statements. Personal bank statements are not accepted.
No. A merchant cash advance is a purchase of a fixed amount of your future receivables, not a loan: there is no interest rate, no fixed monthly payment, and no fixed maturity date. It is priced with a one-time factor rate applied to the advance amount.
Yes. Georgia enacted SB 90, the Commercial Finance Disclosure Law, signed May 1, 2023 and effective January 1, 2024. It applies to commercial financing transactions of $500,000 or less, including MCA, and requires the provider to disclose the total cost of capital, an APR-equivalent figure, and the repayment structure before a merchant signs. T.A.G.'s funding partners provide full SB 90-compliant disclosures on every Georgia offer.
MCA amounts are typically 75%-150% of average monthly bank deposits. For example, a $15,000 advance at a 1.20 factor rate means $18,000 total repayment ($3,000 cost of capital), repaid via a daily or weekly percentage of deposits, not a fixed monthly bill.
Initial review uses a soft credit pull only. A hard credit pull typically occurs later, before final approval, and can affect your credit score by a few points.
Last reviewed: September 2026. T.A.G. Business Funding is an independent ISO partner, not a direct lender. All examples are illustrative. Advance amounts and rates vary by business profile and funder. Not financial advice.
