Funding for your situation
The real cost of adding a cleaning crew, what funders look at, and a worked example using illustrative figures.
✓ Checking what you qualify for does not affect your credit score.
A property manager is offering three buildings, and a second crew has to be paid before the first invoice. Adding a cleaning crew is the most direct way to turn demand you are already turning away into revenue, and it is also a purchase that comes due before it earns.
Merchant Fund Express is a funding marketplace: you apply once, and the file is matched to the structure that fits it. The sections below show what this situation usually costs, how a funder reads it, and what to prepare.
Recurring commercial invoices on net terms alongside residential card payments. A reviewer sees that pattern in the statements before reading a word of the application.
Equipment is part of the picture. A failure such as a floor machine or a vehicle repair can run $3,800 to $3,800 and interrupt revenue while it is down.
The documents that usually matter most for a cleaning company are the new contract or proposal and equipment or vehicle quote, alongside the bank statements.
Spring cleaning and turnover seasons add residential volume, while contracts add steady commercial revenue. For a cleaning company, that rhythm decides when a funding request reads best and how it should be repaid.
A real cost of the move that is easy to leave out of the first estimate.
Bought ahead of the first sale and sitting as cash until it turns.
People are paid on a schedule that does not wait for new revenue to ramp.
People are paid on a schedule that does not wait for new revenue to ramp.
| Cost item | Illustrative amount |
|---|---|
| Vehicle | $14,000 |
| Equipment and supplies for a crew | $4,500 |
| Uniforms and training | $2,200 |
| Crew payroll until first invoices clear | $9,000 |
| Cushion for overruns and slow early weeks (about 10%) | $3,000 |
| Funding need for one more cleaning crew | $32,700 |
Sizing check. If the full repayment shown in an offer were $43,000 over about 26 weeks, the weekly debit would be about $1,654. Against illustrative monthly deposits of $50,000 (about $11,538 a week), that is roughly 14% of weekly deposits. Your own offer states the real repayment amount in dollars; run your numbers on the factor rate calculator before you accept anything.
Source: worksheet by Merchant Fund Express. Illustrative only: these figures are not an offer, and real amounts depend on your file and the funder.
These are the same factors described on revenue and deposit requirements and time in business. Merchant Fund Express walks you through how your own file reads before you apply.
A complete file is what makes a same-day decision possible. If something is missing, tell us and we will work around it.
Merchant Fund Express gives a same-day decision on a complete file, and funding is typically the next business day after signing. The quote or bill of sale for the cleaning crew is the document that usually moves things along.
It can be either. If the purchase is a single asset with a quote, equipment financing may fit; if you also need payroll and supplies for the ramp-up, working capital covers the whole package.
Often yes. A used purchase can shorten the payback, and a quote or invoice from the seller is what the file needs.
The minimum FICO is 500, and better credit means better products and terms. See credit score requirements for how the tiers work.
Merchant Fund Express gives a same-day decision on a complete file. Applying takes a few minutes and will not affect your credit score.
