Merchant Fund Express
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Slow-Season Funding for Cleaning Businesses

Keep your best cleaners and cover fixed costs when bookings dip. Apply in about five minutes with bank statements, no tax returns.

Plan My Off-Season

Slow-Season Funding

Hold onto your crew through the quiet months

Seasonal dips are normal in cleaning. We fund established cleaning companies from $25,000 so vans, insurance and payroll stay covered until bookings pick back up.

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.

Funding shaped for seasonal work

Ready when the season turns

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

Credit is not the whole story

FICO 500 and up is considered. Your deposit pattern across the year carries weight.

No hidden extras

Your offer shows the full repayment amount before you accept, and no surprise costs follow after you sign.

Schedule shown up front

Repayment is laid out in the offer so you can test it against your quietest month.

Waiting on deposits to land?

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.

Cleaning has seasons too

Owners outside the industry assume cleaning work is steady year round. Anyone who runs a cleaning company knows better. Residential bookings can dip after the holidays once the deep-clean rush is over. Move-in and move-out cleaning tends to cluster around summer leases and school calendars. Commercial accounts trim service during office shutdowns, and post-construction cleaning follows the building season in your area. Fixed costs do not follow those swings: van payments, insurance, software and the core crew you cannot afford to lose.

Why keeping your crew matters

Good cleaners are hard to find and easy to lose. If hours get cut too deep in a slow month, your most reliable people may take a job elsewhere, and you spend the busy season hiring and training again. Slow-season funding lets you keep a core team on the schedule, maybe shifting them to deep cleans, maintenance on equipment, or marketing work, so you are ready when demand returns. Rehiring and training a new cleaner takes weeks of supervision and lost quality, and clients notice when familiar faces disappear from their building.

Ways owners use slow-season funds

Picking the right option

A business line of credit is a natural fit for seasonality: draw in the quiet months, pay down when bookings pick up. Working capital works if you know the total you need to get through the slowdown. Revenue-based financing ties payments to revenue, which can ease the load during a light stretch. For a broader look at managing the year, read our cleaning cash flow guide.

Apply before the slowdown, not during it

Your bank statements look strongest right after a busy stretch, so many owners apply as the season turns rather than waiting until the account is thin. The application takes about five minutes and starts with a soft credit pull. We review about three months of business bank statements, consider FICO 500 and up, and do not require tax returns. Sole proprietors can apply, and qualified businesses can be funded in as little as 24 hours.

Frequently Asked Questions

When should a cleaning business apply for slow-season funding?

Ideally as the busy season ends, while recent deposits are strong. Waiting until cash is already tight leaves fewer choices.

Will seasonal dips in my deposits count against me?

We review about three months of statements and understand that cleaning revenue moves with the calendar. Steady deposits overall matter more than one quiet week.

Can I use the money for marketing?

Yes. Many owners use quiet months to run campaigns that fill the schedule before demand picks back up.

How much can I get?

Funding runs from $25,000 to $5,000,000, depending mainly on deposits and existing obligations.

What does repayment look like?

Your offer lays out the full repayment amount and schedule before you accept, so you can check it against your slowest month.

Core crew wages $24,000.00
Van payments $7,500.00
Spring marketing $9,000.00
Off-peak supplies $5,500.00

Example uses for illustration only.

How to improve your chances

These moves make the next slow season easier to ride out.

  • Track bookings by month to see your real seasonal pattern
  • Offer recurring service plans that smooth demand
  • Set aside part of busy-season deposits as a reserve
  • Apply as the busy season ends, not mid-slowdown

Seasonal funding: us vs. a bank

Merchant Fund Express
Traditional bank loans
Paperwork
Bank statements only to start
Tax returns and projections
Credit range
FICO 500+ considered
Usually strong credit
Timing
As little as 24 hours if qualified
Weeks of review
Sole proprietors
Can apply
Often harder to qualify
Credit inquiry
Soft pull to start
Hard pull early

Get ahead of the slow season

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

Apply for Funding
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