Ohio · Janitorial Services Industry
Janitorial and commercial cleaning businesses need capital for equipment, supply inventory, and the startup costs of winning a new commercial contract. Ohio is a major Midwest manufacturing and logistics hub.
Janitorial Services businesses in Ohio 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. Nothing more. Decision timing is set by the funding provider.
Winning a new commercial cleaning contract creates a cash flow gap before it creates revenue. Buying equipment and supplies, hiring and training crew, and covering the first few weeks of payroll all happen before the first invoice is paid, since most commercial cleaning contracts run on Net-30 or Net-60 terms. That gap, not a slow season, is one of the most common reasons an Ohio janitorial business applies for funding.
Ohio's cleaning demand doesn't follow the same winter dip that hits the state's restaurants and salons. If anything, winter road salt and slush tracked into commercial lobbies and hallways increases cleaning frequency at many properties from December through March. Columbus, Cleveland, and Cincinnati's office and logistics-facility contracts run fairly steady the rest of the year, while school district contracts see a real spike every June through August, when districts bring in crews for deep cleaning, floor stripping, and waxing while classrooms sit empty.
General seasonal pattern shown for illustration only, not a projection for any specific business.
Relative comparison shown for illustration only, based on general market characteristics, not measured company data.
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.
| Advance Amount | Factor Rate | Total Repayment | Cost of Capital |
|---|---|---|---|
| $15,000 | 1.20 | $18,000 | $3,000 |
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 Ohio 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.
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.
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.
Last reviewed: August 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.
