Franchise funding
Unit franchise owners and Domestic Franchisor regional offices in commercial cleaning: what to fund and how the review reads it.
✓ 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
Merchant Fund Express funds existing Jani-King owners, from home-based unit franchises to regional offices, with business loans, merchant cash advances, revenue-based financing, lines of credit, equipment financing and working capital between $25,000 and $5,000,000. We read when your commercial clients actually pay, the recurring fees owed to the regional office, and any equipment lease drafts. A complete file gets a same-day decision, with funding often the next business day.
Jani-King publishes two US ownership levels. A unit franchise is a home-based business servicing accounts signed by the regional office. A Domestic Franchisor runs a regional office that sells unit franchises, trains owners and secures the contracts they service. Corporate signs national accounts such as hospitals, hotels and stadiums.
It sits under the cleaning and restoration franchise guide; our cleaning industry page covers the general cash cycle.
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 Jani-King location and need capital? Merchant Fund Express funds existing franchise owners with every product below. Terms depend on the business's revenue and history.
A sizable building means paying cleaners from the first night while the client pays on its invoice schedule.
Healthcare and hospitality work can require extra floor care, disinfection and carpet equipment. See equipment financing for cleaning.
Domestic Franchisor offices pay sales and training staff before new accounts produce revenue.
| Need | Product | Published requirement it leans on | What to send |
|---|---|---|---|
| Staffing a newly offered account | Working capital | Tier 2: 6+ months, FICO 600+, $60K verifiable revenue, minimum daily balance $800 | Statements, account details |
| Floor machines and disinfection gear | Equipment financing | Vendor quote and useful life | Quote, 3 months of statements |
| Regional office staffing | Business loan | Tier 1: 3+ years in business, FICO 650+, about $25K/month revenue | Statements, debt schedule |
| Waiting on client payments | Line of credit | Tier 1: 8+ deposits a month, NSFs max 6/month | Statements, receivables list |
| Commercial invoices on net terms | Invoice factoring | B2B receivables | Aging report, invoices |
Sole proprietors are eligible, which matters for many home-based unit owners. Spanish-speaking support is available.
Suppose a unit owner deposits $36,000 a month. Payroll is $18,000, franchise and regional fees $4,500, supplies and fuel $2,500 and an equipment lease $1,000. The owner wants a $24,000 line of credit to carry two newly offered accounts through their first payment cycle.
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 unit or regional office that has not operated has no deposits to read, so it needs operating history before Merchant Fund Express can review it; the buying a franchise page explains the route. Existing owners adding accounts or a second entity are read on current deposits; see second location funding and, for taking over an operating business, franchise transfer financing.
Yes, if the business has its own deposits and meets the time-in-business and revenue minimums for the product. Sole proprietors are eligible in all 50 states.
Yes. The office is read on its own deposits, payroll and obligations, separate from the unit owners it supports.
Yes. Existing lease payments are counted, and additional equipment is reviewed against a vendor quote and its useful life.
It shapes the product. A line of credit or invoice factoring fits payment gaps; working capital fits a one-time ramp-up.
No. Merchant Fund Express is independent. We use the Jani-King 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 Jani-King 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.
