Fast
Online application in 5 minutes. Funds deposited the next business day on most products — before your next payroll run.
Cleaning Service Funding
Cleaning Service Business Funding Cleaning Service Funding for Commercial & Residential Cleaners
Fast, flexible, responsible cleaning service business funding from $5,000 to $5,000,000 — funded in as little as 24 hours, with no hard credit pull to apply. Coast Funding has financed commercial cleaning, janitorial, residential, and specialty cleaning businesses across all 50 states since 2014.
4.8 / 5 on Trustpilot
No Hard Credit Pull
Funded in 24 Hours
Last reviewed: May 12, 2026 · Coast Funding Editorial Team
2014
Funding since
50
States served
$1B+
Deployed to operators
412
Verified reviews
Why Coast Funding
Why Cleaning Owners Choose Coast for Cleaning Service Business Funding
Cleaning companies face funding challenges traditional banks aren't built to solve: heavy W-2 payroll, B2B Net-60 receivables, equipment-intensive expansion, and contract-driven ramps. Our team has been financing cleaning operators since 2014 and approves cleaning service funding based on real-world revenue — not just credit scores.
Flexible
Six funding products built for cleaning companies — from $5K payroll bridges to $5M equipment financing for a full fleet of vans and scrubbers.
Responsible
The only funding partner committed to guiding cleaning owners to responsible decisions — not just the biggest check.
Funding Options
Cleaning Service Funding Options
Whether you need short-term cleaning service working capital, equipment financing for a fleet of auto-scrubbers, or capital to bridge a Net-60 commercial invoice, we have a program built for it.
Equipment Financing
Cleaning Equipment Financing
$10,000 – $5,000,000 · 2–6 years
Finance ride-on scrubbers, auto-scrubbers, burnishers, carpet extractors, pressure washers, HEPA vacuums, and service vans with fixed monthly payments.
Explore equipment financing →
Working Capital
Cleaning Working Capital
$5,000 – $2,000,000 · 3–24 months
Cash upfront to cover W-2 payroll, supplies, insurance, and bonding while you ramp into new accounts. Approval driven by recent revenue, not just credit.
Explore working capital →
Receivables
B2B Receivables Financing
$10,000 – $1,000,000 · Sales-based
Bridge Net-30 and Net-60 commercial cleaning invoices. Advance against pending B2B receivables so you can run payroll while waiting on property managers.
Explore receivables financing →
Line of Credit
Cleaning Line of Credit
$10,000 – $500,000 · Revolving
Only draw what you need to cover payroll, supplies, or a new contract ramp. Revolving access with monthly rates starting at 2.99% — perfect for recurring cash flow gaps.
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Term Loan
Cleaning Term Loan
$10,000 – $1,000,000 · Up to 5 years
Fixed-term capital for expansion, new territories, crew growth, and franchise build-outs. Predictable monthly payments to scale with confidence.
Explore term loans →
Acquisition
Cleaning Acquisition Loan
$25,000 – $1,000,000
Buy a competitor, acquire a recurring route, or pick up an aging owner's book of business. Capital combined with working capital for a smooth handover.
Apply for acquisition financing →| Program | Amount | Term | Best For |
|---|---|---|---|
| Equipment Financing | $10K – $5M | 2 – 6 years | Scrubbers, extractors, vans, polishers |
| Working Capital | $5K – $2M | 3 – 24 months | Payroll, supplies, insurance, bonding |
| Receivables Financing | $10K – $1M | Sales-based | B2B Net-30/Net-60 commercial invoices |
| Line of Credit | $10K – $500K | Revolving | Recurring cash flow gaps, rates from 2.99% |
| Cleaning Term Loan | $10K – $1M | Up to 5 years | Expansion, new territories, acquisition |
All rates, terms, and amounts are illustrative and subject to underwriting, borrower qualifications, and applicable state regulations. Certain programs are made available or arranged pursuant to California Financing Law License No. 60DBO-146720.
Your Funding Roadmap
How to Apply for Cleaning Service Funding
Three steps. Five minutes to start. No hard credit pull, no application fees.
Complete the application
5-minute online form plus 4 months of business bank statements (or link via Plaid). No fees, no obligation.
Review your offer
A Business Funding Advisor calls you within hours with pre-qualified offers customized to your invoice cycle.
Sign and get funded
Funds can be deposited into your business account in as little as 24 hours after the signed agreement.
$10K+
Minimum monthly gross revenue to qualify for most programs
Cleaning Qualifications
Approved by Revenue — Not Just Credit
We approve based on revenue performance, time in business, and bank deposit trends — not a credit score in isolation. Here's exactly what underwriting reviews.
Minimum Requirements
- 6+ months in business (3 months for select programs)
- $10,000+ in monthly gross revenue
- U.S.-based business with a business bank account
- Valid government ID and business documentation
What We Review
- Last 4 months of business bank statements
- Contract mix (residential vs. B2B commercial)
- AR aging and invoice cycle
- Time in business, ownership, and crew structure
Common Use Cases
What Cleaning Companies Use Coast Funding For
From upgrading to commercial-grade scrubbers to bridging a Net-60 invoice, our cleaning clients deploy capital in four recurring patterns.
Commercial Cleaning Equipment
Vans & Vehicles
Payroll & Hiring
Commercial Contracts
Frequently Asked Questions
Cleaning Service Funding FAQ
The 10 questions cleaning owners ask us most.
What janitorial and cleaning equipment can I finance?
Coast Funding finances ride-on scrubbers, auto-scrubbers, burnishers, carpet extractors, pressure washers, HEPA vacuums, floor buffers, truck-mounted equipment, and full janitorial kits. Both new and used machines qualify, with terms from 24 to 72 months.
Can I finance a fleet of cleaning vans?
Yes. Fleet financing covers service vans, cargo vans, box trucks, and step vans — new or used. We finance single units to scale into one new account or full fleet rollouts as you scale into commercial contracts.
How does receivables financing work for B2B Net-60 contracts?
Many commercial cleaning clients invoice on Net-30 or Net-60 terms. Receivables financing advances cash against those pending invoices so you can cover payroll and supplies without waiting 30–60 days to get paid. Repayment ebbs and flows with your deposits.
How do I grow from residential into commercial cleaning accounts?
Commercial accounts typically require more equipment, more W-2 crew, insurance/bonding, and the patience to wait 30–60 days for payment. Coast Funding combines working capital, equipment financing, and receivables financing so you can take on the contract, staff up, and bridge the first invoice cycle.
Should I hire W-2 employees or 1099 contractors?
Most commercial contracts and franchise agreements now require W-2 employees due to misclassification risk. Working capital and lines of credit help cover the higher payroll burden — withholding, workers' comp, and payroll taxes — while you ramp up bidding.
Can I get a cleaning service loan with bad credit?
Yes. Coast Funding works with cleaning service owners across the credit spectrum. Underwriters weigh recent revenue, bank deposits, and time in business — not just credit scores. Bad-credit borrowers typically qualify for working capital or receivables financing.
How much cleaning service funding can I qualify for?
Most cleaning companies qualify between $10,000 and $500,000 based on monthly gross revenue. Established operators with strong financials and commercial contracts can qualify for up to $5 million via equipment financing or term loans.
How fast can a cleaning company get funded?
Funds are typically deposited the next business day or within 24 hours of signed contracts. Some exclusions apply for funding cut-off times and certain products.
Does applying hurt my credit score?
No. There is no hard credit pull to apply with Coast Funding. A hard inquiry occurs only if a specific product requires it after you accept an offer.
Is Coast Funding licensed?
Yes. Certain Coast Funding programs are made available or arranged pursuant to California Financing Law License No. 60DBO-146720. Coast Funding Services LLC is headquartered in San Diego, California.
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