Cleaners get paid every week or every two. Clients often pay in thirty days or more. That gap is where cleaning companies get stuck.
Apply Now →For a cleaning or janitorial company, most of the cost is labor. Crews are paid on a regular schedule, whether or not the client's invoice has been paid. A company that wins a larger building contract may need to hire several people and buy supplies before the first invoice goes out, and wait for it to be paid.
This is why growing a cleaning company is often harder than starting one. Each new contract is profitable over time but demands cash at the beginning.
New York's minimum wage for 2026 is $17 an hour in New York City, Long Island and Westchester, and $16 elsewhere in the state, with annual indexing beginning in 2027. For a company that pays crews at or near these levels, adding a night crew of several people is a recurring weekly outlay. The first paycheck goes out long before a client's first payment comes back.
Steady recurring work, often invoiced monthly with net terms. Predictable but slow to pay.
Larger volume and multiple sites, with approval chains that can delay payment.
Large one-time jobs with heavy upfront labor and a final payment that waits for sign-off.
Higher standards, specialized supplies and training, and strict documentation.
A professional crew needs commercial vacuums, floor machines, carpet extractors, chemicals and carts, plus a vehicle to move them. Replacing a floor scrubber or buying equipment for a new contract can run into thousands of dollars. A seasonal peak, such as spring deep-cleans or post-construction turnover, adds more.
Many cleaning companies plateau at the size where the owner is still on a crew. Moving beyond that means hiring supervisors, buying software for scheduling and quality checks, and taking on bigger contracts that require insurance and documentation. Supervisors and managers are costs that do not directly produce billable hours, but they let the company take on more work without the owner doing everything.
Turnover is another cost. Hiring, training and background checks are expenses a company bears again whenever someone leaves. Reliable staff are the product, and a company with cash on hand can pay on time every week, which helps with keeping them.
For illustration only: a janitorial company wins a contract for several floors of an office building. It needs to add a crew and buy equipment, about $40,000 in payroll and supplies for the first two months, while the client pays 45 days after invoicing. The company is fine at its current size, but cannot take the contract without a cash bridge. The numbers are round and invented.
We fund $25,000 to $5,000,000 and can fund in as little as 24 hours. We consider FICO 500+, run a soft credit pull, and do not require tax returns. We ask for about three months of business bank statements. Sole proprietors can apply.
Yes. Slow-paying clients are a common reason cleaning companies seek working capital. Mention your payment terms in the application.
Sole proprietors can apply.
Working capital can be used for payroll. Describe the use.
Tax returns are not required. We review about three months of business bank statements.
Three months of business bank statements and a 5-minute application. FICO 500+ considered. $25,000 to $5,000,000, funded in as little as 24 hours.
Apply Now →It takes about two minutes and it will not affect your credit score.
No obligation • No impact to your credit score
