Merchant Fund Express
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Emergency Funding for Cleaning Companies

A dead van or failed scrubber should not cost you a contract. Apply in 5 minutes and get funded in as little as 24 hours if you qualify.

Get Emergency Funding

Cleaning business emergency funding

Keep crews on schedule while you fix the problem

Cleaning contracts reward reliability. When equipment, vehicles or a slow-paying client throw off your week, fast funding keeps routes running and clients happy.

As fast as
24 hours

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.

Built for cleaning operators under pressure

Fast decisions, light paperwork

About three months of bank statements and a 5-minute application. Funding in as little as 24 hours for qualified businesses.

Credit flexibility

FICO 500 and up considered. We focus on your deposits and the contracts behind them.

Clear costs

The full repayment amount is in your offer before you accept. No surprise costs after you sign.

Predictable repayment

Your repayment schedule is laid out in the offer up front, so you can plan around payroll.

Payroll before sales come in?

Fast decisions. Applying takes about 5 minutes.

Apply Now

How it works

Apply in minutes

A short application. A soft credit pull to start.

Fast decision

We review revenue, time in business and bank activity, not just a credit score.

Review your offer

You see the amount, the schedule and the full repayment amount before you sign.

Get funded

Funding in as little as 24 hours for qualified businesses.

When the crew is ready but something breaks

A cleaning company runs on routes, crews and equipment that has to show up every night. When a work van dies on Tuesday, a ride-on scrubber throws a motor before a big floor job, or your largest commercial account pays thirty days late, the work does not wait. Emergency funding is meant for that gap: money to keep crews moving while the problem gets fixed.

We built our process for established cleaning businesses with steady deposits. The 5-minute application starts with a soft credit pull, and qualified businesses can see funding in as little as 24 hours.

What cleaning owners usually cover with it

What we look at

We keep paperwork light. Expect to share about three months of business bank statements. No tax returns are required, and FICO scores of 500 and up are considered. Sole proprietors can apply too, which matters in cleaning, where plenty of solid operators run as owner-operators with a few crews.

Deposits tell most of the story. Regular payments from commercial contracts, recurring residential clients and post-construction jobs show us how the business actually performs. If credit is the sticking point, see our page on bad credit options for cleaning companies.

Picking the right product for the emergency

A one-time repair often fits working capital or a merchant cash advance. If replacing a machine outright makes more sense than fixing it, look at equipment financing. Owners who expect more surprises over the year sometimes prefer a business line of credit they can draw on when needed.

Whichever you pick, your offer shows the full repayment amount and the repayment schedule before you accept.

Before you sign anything

Take ten minutes to check the math. Compare the total repayment to what the emergency would cost you if left alone: lost contracts, overtime to cover a missing van, or a client who walks after a missed clean. If the numbers work, move. If they do not, a smaller amount may be the better call.

Frequently Asked Questions

How fast can a cleaning company get emergency funding?

Decisions move quickly after you apply, and qualified businesses can be funded in as little as 24 hours.

Do I need tax returns?

No. We work from about three months of business bank statements plus a short application.

Will applying hurt my credit?

We start with a soft credit pull, which does not affect your score.

I run my cleaning business as a sole proprietor. Can I apply?

Yes. Sole proprietors can apply.

How much can I request?

Funding runs from $25,000 to $5,000,000. The amount offered depends mainly on your deposits and any existing obligations.

Can I use emergency funding to take on a job while my van is down?

Yes. Some cleaning owners rent a replacement vehicle or bring in extra help so they do not lose an account while repairs are underway. Protecting a recurring commercial contract is often worth more than the short-term cost of covering the gap.

Van repair $12,000.00
Auto scrubber $18,000.00
Payroll bridge $35,000.00
Supply restock $8,500.00

Example uses for illustration only.

How to improve your chances

A few habits make the next emergency easier to fund.

  • Deposit all contract payments into one business account
  • Invoice commercial clients the day the work is done
  • Keep a short maintenance log for vans and machines
  • Track which accounts pay late and follow up early

Merchant Fund Express vs. a typical bank

Merchant Fund Express
Traditional bank loans
Application
5 minutes
Long forms and meetings
Documents
About 3 months of bank statements
Tax returns and financials
Credit
FICO 500+ considered
Strong credit expected
Speed
As little as 24 hours if qualified
Often weeks
Credit check to start
Soft pull
Hard pull common

Get your cleaning crews back on the road

One secure application. A soft credit pull to start. No obligation to accept an offer.

Apply for Funding
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