Merchant Fund Express
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Inventory Funding for Cleaning Companies

Buy chemicals, paper goods, liners and microfiber at bulk pricing without squeezing payroll. Apply in about five minutes.

Stock Up Now

Cleaning Supply Funding

Buy supplies by the pallet, not by the case

Distributor pricing rewards volume. We fund established cleaning companies from $25,000 so you can stock up, 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.

Supply funding that keeps routes running

Simple and quick

Five-minute application with about three months of statements. Funding in as little as 24 hours for qualified companies.

Open on credit

FICO 500 and up is considered. Consistent client deposits weigh heavily.

Clear repayment amount

The full repayment amount is in your offer before you accept, with no surprise costs after signing.

Known schedule

Payments are laid out in the offer up front, so supply orders and repayment line up.

Need capital this week?

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.

Supplies are a bigger line item than most people think

Every job a cleaning company does burns through product: disinfectants, floor finish and stripper, glass cleaner, microfiber, mop heads, gloves, trash liners. Many commercial contracts also require you to restock the building's paper towels, toilet tissue and hand soap, which turns a cleaning company into a supply distributor overnight. Distributors reward volume, but buying a pallet at a time ties up cash you also need for payroll.

Inventory funding lets an established cleaning company buy at the quantity and price that make sense, then repay on a schedule set before you accept.

Where inventory money typically goes

CategoryExamples
ChemicalsDisinfectants, degreasers, floor finish, carpet pre-spray
Paper and linersTowels, tissue, can liners for client restocking
Tools and textilesMicrofiber, mop heads, pads, squeegees
Safety gearGloves, masks, eye protection

Buying smarter with the funds

Bulk buying only pays off if the product actually moves. Look at three months of usage before placing a large order, and focus on items you use on every route. Paper goods for client restocking are often the best candidates, because contracts make usage predictable. Chemicals with limited shelf life deserve a smaller order. For illustration, a company servicing a dozen office buildings might fund a quarter's worth of paper and liners to reach a better distributor tier, while keeping chemical orders monthly. Store bulk stock somewhere dry and secure, and track it so crews are not over-pulling product from the shelf. A simple sign-out sheet per route often pays for itself within a few weeks.

Products that fit supply purchases

A business line of credit fits recurring supply orders, since you draw for each order and pay down between them. Working capital suits a single large stock-up. Revenue-based financing ties payments to revenue. If you are weighing structures, our line of credit vs. merchant cash advance guide for cleaners lays out the differences.

Applying

Start the five-minute application. We begin with a soft credit pull, review about three months of business bank statements, and consider FICO 500 and up. No tax returns are required. Sole proprietors can apply, and qualified companies can be funded in as little as 24 hours. Your offer shows the full repayment amount and the payment schedule before you accept.

Frequently Asked Questions

Can I use the funds to restock supplies for my clients' buildings?

Yes. Many commercial cleaners use inventory funding for paper goods and soap they supply under their contracts.

How much inventory funding is available?

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

Is a line of credit better for supplies?

If you order every few weeks, a line of credit usually fits best because you only draw what each order costs.

Do I need a supplier invoice to apply?

No. A quote helps you choose the right amount, but you only need about three months of business bank statements to apply.

Can a small residential cleaning company apply?

Yes. Established residential cleaners with steady deposits can apply, including sole proprietors.

Paper goods $14,000.00
Disinfectants $6,500.00
Floor finish $4,800.00
Microfiber stock $3,200.00

Example uses for illustration only.

How to improve your chances

Smarter supply habits make each inventory dollar go further.

  • Track product usage per route each month
  • Order bulk only on items used on every job
  • Compare pricing from two distributors each quarter
  • Bill clients promptly for supplies you restock

Supply funding: us vs. a bank

Merchant Fund Express
Traditional bank loans
Documents
About 3 months of statements
Tax returns and statements
Application
About 5 minutes
Long forms
Speed
As little as 24 hours if qualified
Weeks
Credit
FICO 500+ considered
Higher bar
Who can apply
Sole proprietors included
Often prefers larger firms

Stock the shelves and keep crews moving

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

Apply for Funding
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