Merchant Fund Express
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Industry Qualification

Cleaning Companies: yes, this industry is eligible.

Cleaning Companies fall under an eligible industry classification (Drycleaning and Laundry Services (except Coin-Operated)). Cleaning companies run on recurring contracts and weekly payroll, and the review focuses on how reliably those contract payments arrive.

✓ Checking what a cleaning company qualifies for does not affect your credit score.

EligibleIndustry status
Same dayDecision
$10K–$350KAvailable
NoCredit impact

Why cleaning companies qualify

Commercial janitorial, residential and dry-cleaning businesses all show recurring deposits — monthly contract payments, weekly residential clients or daily counter sales.

The usual pressure is payroll: crews are paid weekly or biweekly while commercial clients may pay 30 to 45 days after invoicing, and new contracts require hiring before the first payment.

Average daily balance

Payroll goes out before contract payments come in; an average balance near a tenth of monthly revenue shows the cushion exists. ADB explained →

Time in business

Companies open three years or more are strongest, and newer firms with signed contracts are funded regularly. Time tiers →

Negative days/NSFs

Payroll runs that land before a client pays can create negative days — staying under 3 a month keeps the file clean. Exact limits →

Existing positions

An advance taken to staff up a contract is reviewed as part of the file. Refinance options →

How money moves through a cleaning company

Commercial accounts pay on monthly invoices, often net-30, while residential clients pay per visit; dry cleaners see daily counter revenue that slows in summer.

Labor is the largest cost by far, followed by supplies, vehicles and insurance, and winning a new building means hiring and equipping a crew before billing starts.

How a cleaning company file measures up to the two programs

Every threshold below comes from the published funding requirements, applied line by line to a cleaning company.

Tier 1 — line of credit or term loan3+ years in business, a 650+ personal FICO, at least $25,000 a month in average revenue across 8 or more deposits, and an average balance of $5,000 or 10% of monthly revenue; janitorial firms with long-running building contracts usually fit this program.
Tier 1 — account limitsNo more than 3 negative days in a month (9 over six months) and no more than 6 NSFs in a month (24 over six months) on the company's operating account.
Tier 2 — revenue-based funding6+ months open, a 600+ personal FICO, $60,000 in verifiable revenue, an $800 minimum daily balance and no more than 5 negative days or NSFs; a newer cleaning company still adding its first contracts fits here.
Existing positionsUp to 2 current positions; the term loan funds only in first position while a line of credit can sit in second, and an advance used to staff an earlier contract counts toward the two.
Ownership and historyThe signer of a cleaning company's file owns at least 50%; sole proprietors qualify, non-profits do not, and there can be no bankruptcy or foreclosure within 3 years or open bankruptcy and prior default on tier 2.
Where we fundAll 50 states, with extra tier 2 restrictions for a cleaning company based in California or New York.

What cleaning companies use funding for

Payroll for new contracts

Staffing a new building or route before the first invoice is paid.

Floor and carpet equipment

Scrubbers, extractors and burnishers for higher-value work.

Vehicles

Vans that let crews cover more routes per day.

Supplies inventory

Buying chemicals and consumables in bulk at better prices.

Dry-cleaning equipment

Presses and machines for plants that process garments in-house.

Worked example: a cleaning company

A janitorial company has won a new office-park contract and needs to hire a night crew before the first net-30 invoice is paid.

Its statements show about $62,000 a month in deposits and an average daily balance near $6,000 — roughly 10% of monthly revenue, right around the 10% benchmark.

A request of $40,000 on a line of credit is about 65% of one month's deposits for this cleaning company, which keeps the payment proportionate to what comes in.

Illustrative figures for a sample cleaning company, not an offer; real amounts, terms and cost depend on the full file.

How it works

1. Apply in minutes

Gather recent business bank statements; contract payments and residential deposits show the company's recurring volume.

2. Same-day decision

The review weighs payment regularity, time in business and existing positions, not only credit.

3. Review your terms

Amount, term and total cost are shown before signing so you can match payments to your billing cycle.

4. Next-day funding

Once the agreement is signed, money typically reaches the account the next business day, ahead of the new crew's first payroll.

Common questions

Does a cleaning company need signed contracts to qualify?

No. Contracts help explain growth, but the decision rests on bank activity, time in business and existing positions.

How much can a cleaning company borrow?

Janitorial and residential firms are sized on their contract and client deposits, within $10,000–$350,000 for a line or $10,000–$250,000 for a term loan.

Do net-30 commercial clients hurt the file?

Slow-paying clients are common in this trade; what matters is how the account holds up between payments.

Can a cleaning firm already carrying an advance apply?

Yes. An advance used to staff an earlier contract is weighed in the review, not treated as an automatic no.

Will checking eligibility show up on the owner's credit?

It will not — eligibility checks leave the score alone, and cleaning companies hear back the same day.

Cleaning companies: check your options

Staffing a new contract or buying equipment — cleaning companies hear back the same day, and checking does not touch credit.

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