Merchant Fund Express
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Expansion Funding for Cleaning Companies

Add crews, vans and new service lines, or move into a new territory. Apply in about five minutes with bank statements, no tax returns.

Grow My Company

Cleaning Expansion Funding

Add routes while the demand is there

New crews cost money weeks before their first invoice is paid. We fund established cleaning companies from $25,000, with the full cost and schedule shown before you accept.

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.

Growth funding built for service crews

Fast start

Five-minute application, about three months of statements, and funding in as little as 24 hours for qualified companies.

Credit flexibility

FICO 500 and up is considered, with real weight on deposit history.

Full cost in writing

Your offer shows the total repayment amount before you accept. No surprise costs follow after you sign.

Plan-ready schedule

The repayment schedule is in the offer up front, so you can match it to your crew rollout.

Need capital this week?

Fast decisions. Applying takes about 5 minutes.

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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.

Growing a cleaning company means paying ahead

Expansion in cleaning looks different from most industries. There is rarely a big build-out. Instead, growth costs come from people and mobility: hiring and training new crews, adding vans, buying another set of equipment, and marketing in a new area. Each new crew has to be paid and equipped before its first route brings in a dollar.

We fund established cleaning companies with steady deposits so they can grow at the pace the market allows, not the pace their checking account allows.

Expansion paths we fund

A new territory

Moving into the next town or county usually means another van, another crew lead and local marketing.

New service lines

Adding carpet and upholstery, floor stripping and refinishing, post-construction cleaning, window washing or disinfection services often requires specialized equipment and training. Big equipment purchases may fit equipment financing.

Moving upmarket

Shifting from residential to commercial accounts often brings insurance, bonding and supervision costs before the first commercial invoice is paid.

Choosing how to fund growth

Working capital fits a planned expansion with a known budget. A business line of credit lets you draw as you add crews one at a time. Revenue-based financing ties payments to revenue, which can help while new routes ramp up. You can read more about how we evaluate cleaners on our qualifying for cleaning business funding page.

Pressure-test the plan first

Before applying, map out the first few months of the expansion: when each crew starts, what it costs per week, and when the first client payments arrive. Commercial clients on net terms can push that first payment out a month or more. Choose an amount that covers the gap and a repayment schedule your existing routes can carry if the new ones fill more slowly than you hope. Owners who grow one crew at a time, and wait until each new route is steady before adding the next, tend to keep repayment comfortable.

Getting started

The application takes about five minutes and begins with a soft credit pull. We review about three months of business bank statements and consider FICO scores of 500 and up. No tax returns are required, and sole proprietors can apply. Qualified companies can be funded in as little as 24 hours. Every offer shows the full repayment amount and payment schedule before you accept.

Frequently Asked Questions

How much can a cleaning company get to expand?

Funding ranges from $25,000 to $5,000,000, based mainly on your current deposits and existing obligations.

Can I fund new vans and new hires together?

Yes. Many owners use working capital or a line of credit for hiring and launch costs, and equipment financing for vehicles or machines.

Do I need a business plan?

No. We work from your bank statements, though a simple budget helps you request the right amount.

I run a residential cleaning business. Can I fund a move into commercial work?

Yes. Established residential cleaners with steady deposits can apply to fund the shift into commercial accounts.

Will applying hurt my credit?

The process starts with a soft credit pull, so you can review your options first.

New crew launch $38,000.00
Work van $45,000.00
Carpet equipment $22,000.00
Local marketing $12,000.00

Example uses for illustration only.

How to improve your chances

These steps put a cleaning company in a stronger spot to fund growth.

  • Map crew start dates against client payment dates
  • Keep all route income in one business account
  • Lock in a few anchor clients before adding a crew
  • Hold a reserve that covers a slow first month

Expansion funding: us vs. a bank

Merchant Fund Express
Traditional bank loans
Application
About 5 minutes
Weeks of back and forth
Paperwork
Bank statements, no tax returns
Tax returns and a business plan
Credit
FICO 500+ considered
Usually strong credit only
Speed
As little as 24 hours if qualified
Often weeks or months
Amounts
$25,000 to $5,000,000
Often tied to collateral

Put another crew 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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