Draw what you need for payroll, supplies or a slow month, and keep the rest available. Apply in about 5 minutes with no tax returns.
See My LineCleaning Line of Credit
When invoices land unevenly and crews still need to be paid, a line of credit lets you cover the gap without taking more than the moment requires.
Amount to request
$85,000.00
Funding range$25K to $5M
*Sample amounts shown. Your actual offer depends on your business and is reviewed before approval.
About three months of bank statements and a 5-minute application. Qualified businesses can be funded in as little as 24 hours.
FICO 500+ is considered, and recurring client deposits count for a lot in our review.
Your offer shows the full repayment amount before you accept, with no surprise costs after you sign.
The repayment schedule is laid out in your offer, so you can plan draws around client payment dates.
Fast decisions. Applying takes about 5 minutes.
A short application. A soft credit pull to start.
We review revenue, time in business and bank activity, not just a credit score.
You see the amount, the schedule and the full repayment amount before you sign.
Funding in as little as 24 hours for qualified businesses.
Cleaning revenue looks steady from a distance, but up close it moves around. A post-construction cleanup pays well and then ends. An office client cuts back to three days a week. A school contract pauses over the break. A business line of credit gives you a set amount you can draw from when one of those dips hits, rather than taking one lump sum for a need you cannot predict yet.
A line tends to suit costs that repeat but vary in size:
If you already know the exact amount and purpose, a lump sum of working capital for cleaning may be simpler. For a single large machine, look at equipment financing. Still deciding? Our comparison of a line of credit vs. a merchant cash advance for cleaning lays out the trade-offs.
We review about three months of business bank statements. We want to see how consistently client payments land, how the account handles payroll weeks, and what other obligations are already being paid. Recurring janitorial contracts often show up as a reliable rhythm, which helps.
There are no tax returns to gather. The application takes about 5 minutes, begins with a soft credit pull, and FICO 500+ is considered. Sole proprietors running their own crews can apply too.
A line works best when you treat it as a tool for specific gaps. Draw for a reason, note which invoice will cover it, and repay on the schedule laid out in your agreement. Your offer shows the costs and repayment terms before you accept, so you know what each draw means for cash flow. If your slow season is predictable, our cleaning slow season funding page has planning ideas. You can apply here when you are ready.
One practical tip: many cleaning owners keep a short list of the three or four clients who pay slowest. When one of them slips, that list tells you how long a draw may need to stay out.
Working capital is a single lump sum. A line gives you an amount you can draw from as needs come up, which suits costs that repeat but vary.
Yes. Sole proprietors can apply. We look for steady deposits in a business bank account over about three months.
FICO 500+ is considered. Credit is one factor alongside your deposit history and existing obligations.
Decisions move quickly, and qualified businesses can be funded in as little as 24 hours.
Funding ranges from $25,000 to $5,000,000, depending mainly on your deposits and current obligations.
Example uses for illustration only.
Owners who manage a line well tend to follow a few simple practices.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding