Franchise funding
For Regional Developers running a JAN-PRO Franchise Development office and for unit owners servicing commercial cleaning accounts.
✓ Merchant Fund Express starts with a soft credit pull. Terms depend on your location's revenue and history.
Updated October 21, 2026 · Merchant Fund Express
Running a JAN-PRO region or a JAN-PRO cleaning business already and need capital? Merchant Fund Express funds existing JAN-PRO owners with business loans, merchant cash advances, revenue-based financing, lines of credit, equipment financing and working capital from $25,000 to $5,000,000. Commercial clients pay on terms, so we read the gap between the cleaning you have already done and the deposits that follow it, along with management fee and existing payment drafts. A complete file gets a same-day decision, and funding often follows the next business day.
Two kinds of operators. The first is a Regional Developer: a JAN-PRO Franchise Development sub-franchisor that runs an office, sells unit franchises in its territory and wins commercial clients for its owners. The second is a JAN-PRO Cleaning & Disinfecting unit owner who services commercial accounts with a crew, a starter kit and any extra equipment added services require.
Both get paid on business terms, not at a register. Read this with the cleaning and restoration franchise funding guide and our cleaning industry page.
Checked Oct 2026 against official sources: the franchisor's own franchising site, its FDD or SEC filings, or the SBA Franchise Directory. Figures change; confirm current numbers in the latest Franchise Disclosure Document. Figures we could not confirm from an official source are left out.
Already running a JAN-PRO location and need capital? Merchant Fund Express funds existing franchise owners with every product below. Terms depend on the business's revenue and history.
Commercial accounts often pay weeks after service, while cleaners are paid every week or two. See cleaning payroll funding.
Another salesperson or trainer adds fixed cost months before the accounts they win pay out.
A large facility can mean new scrubbers and extractors at once. Our big contract funding page covers sizing it.
| Need | Product | Published requirement it leans on | What to send |
|---|---|---|---|
| Crew payroll while new accounts ramp | Working capital | Tier 2: 6+ months in business, FICO 600+, $60K verifiable revenue | 3 months of statements, account list |
| Regional office staffing and sales build-out | Business loan | Tier 1: 3+ years, FICO 650+, about $25K/month revenue, 8+ deposits a month | Statements, debt schedule |
| Gap between service and client payment | Line of credit | Tier 1, NSFs max 6/month, applicant owns at least 50% | Statements, receivables list |
| Scrubbers, burnishers, extractors | Equipment financing | Vendor quote and useful life | Quote, statements |
| Invoices to commercial clients on net terms | Invoice factoring | B2B receivables | Aging report, invoices |
Merchant Fund Express accepts ITIN applicants and offers Spanish-speaking support, which many cleaning business owners use.
Picture a unit owner depositing $42,000 a month. Crew payroll is $22,000, fees to the franchise system are $5,000, supplies and fuel are $3,500 and existing payments are $1,500. The owner just won a large office building and wants $30,000 of working capital for added crew hours and equipment.
Figures in this example are illustrations of the arithmetic, not an offer, quote or approval. Real terms depend on the file and the funder.
A new unit or a new region has no deposit history to read, so it needs an operating record before Merchant Fund Express can review it; see buying a franchise. Existing owners adding accounts or another entity are read on current deposits. Taking over an operating business from another owner is covered on franchise transfer financing, and growth into another entity on second location funding.
Both. Each entity applies separately and is read on its own deposits and obligations.
Yes. Working capital or a line of credit can carry crew hours through a new building's first billing cycle.
Yes. Scrubbers, extractors and disinfection equipment are reviewed against a vendor quote and useful life.
They can. Invoice factoring advances against invoices owed by business clients.
No. Merchant Fund Express is independent. We use the JAN-PRO name only to identify the owners this page is for; it does not mean the franchisor endorses or works with us.
Merchant Fund Express is independent. Not affiliated with or endorsed by JAN-PRO or its franchisor. Brand names identify the owner audience only.
Merchant Fund Express reviews your location's revenue, deposits and existing payments. Same-day decision on a complete file; funding often the next business day. About five minutes to apply.
