Merchant Fund Express
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Merchant Cash Advance for Cleaning Businesses

Keep crews paid and supplies stocked while client invoices catch up. A 5-minute application, about three months of statements, no tax returns.

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Merchant Cash Advance

Funding that keeps your crews on the route

Clients pay on their schedule, but payroll and supplies cannot wait. A merchant cash advance is repaid from future sales, with the full repayment amount 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.

Why cleaning companies apply with us

Quick with minimal paperwork

A 5-minute application and about three months of statements. Funding in as little as 24 hours for qualified businesses.

Flexible on credit

FICO 500+ is considered, and a soft pull starts the process. Your deposit history matters most.

Costs shown before you sign

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

Repayment laid out

The repayment schedule is in your offer up front, so you can plan it around your client billing cycle.

Waiting on deposits to land?

Fast decisions. Applying takes about 5 minutes.

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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.

Cash flow problems that cleaning companies know well

Cleaning is a business of recurring work and delayed payments. Your crews clean offices, homes or facilities every week, but commercial clients may pay on net terms while payroll runs on schedule. Supplies, fuel and equipment wear add up fast. A merchant cash advance gives your company a lump sum now in exchange for a portion of future sales, so you are not waiting on a slow-paying account to keep crews moving.

Your offer shows the full repayment amount and the repayment schedule before you accept.

How cleaning companies use an advance

Landing a big account? Cleaning big contract funding covers how to prepare. If payroll is the main pinch, see cleaning payroll funding.

Residential, commercial and specialty work

We look at established cleaning businesses of all kinds: residential maid services, commercial janitorial firms, carpet and upholstery cleaners, window washers and post-construction crews. What matters most is not the niche but the deposit history. Residential services with frequent card payments often line up well with a merchant cash advance. Commercial firms paid by check or transfer may want to compare working capital for cleaning or a business line of credit.

What we ask for

The process is built to be quick:

  1. Fill out the 5-minute application.
  2. Send about three months of business bank statements.
  3. Review an offer that shows the full repayment amount and schedule.

No tax returns are required. FICO 500+ is considered, and we start with a soft credit pull. Sole proprietors can apply, including owner-operators who still run a route themselves. Funding ranges from $25,000 to $5,000,000, depending mainly on your deposits and existing obligations.

Ready to move

When you have your statements in hand, apply here. Decisions move fast, and funding can arrive in as little as 24 hours for qualified businesses.

If your company is growing into commercial accounts, it also helps to know your average invoice size and how long clients usually take to pay. That context makes it easier to choose the right product.

Frequently Asked Questions

Does a merchant cash advance work for commercial cleaning companies?

It can. We review all deposits. Companies with a meaningful share of card payments tend to fit best, and we can discuss other products if your clients mostly pay by check or transfer.

What credit score do cleaning business owners need?

FICO 500+ is considered. Steady deposits are a major part of our review.

Do I need to provide tax returns?

No. We ask for about three months of business bank statements.

Can I apply as a sole proprietor?

Yes. Sole proprietors can apply.

How fast is funding?

Decisions move fast, and funding can arrive in as little as 24 hours for qualified businesses.

Can I get funding for a seasonal cleaning business?

We work with established businesses that show steady deposits. If your work slows in certain months, the deposit pattern across your statements helps us understand the cycle.

New crew payroll $34,000.00
Bulk supplies $8,800.00
Second route van $41,000.00
Property mgr ads $7,500.00

Example uses for illustration only.

How to improve your chances

Cleaning companies can strengthen their application with a few habits.

  • Invoice commercial clients right after service
  • Run all client payments through one business account
  • Keep an eye on overdrafts during slow weeks
  • Know which contract or need the funds will cover

Our cash advance vs. a bank loan

Merchant Fund Express
Traditional bank loans
Based on
Recent deposits and sales
Years of financial history
Documents
About three months of statements
Tax returns and financials
Credit
FICO 500+ considered
Higher scores often expected
Credit check
Soft pull to start
Usually a hard pull
Speed
As little as 24 hours if qualified
Often several weeks

Keep your cleaning business growing

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

Apply for Funding
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