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Guide to Financing for Janitorial Supplies, Housekeeping and Maintenance Services

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Loan Overview

Loan Amount Up to $500,000
Estimated Repayment Terms 1-5 Years
Interest Rate Starting at 7%
Speed of Funding As fast as 1 day

Running a cleaning or maintenance service business, like most industries, requires long hours and significant attention to detail. As your business grows, you might need to spend capital to stay ahead of the competition, but you might not have the funds you need to do so. Whether you work in commercial or residential cleaning, find financing for the janitorial supplies you need.

Financing Your Janitorial and Maintenance Service Business

Here are a few reasons you might finance your business growth:

Purchase a Work Vehicle

Does your personal car not cut it as a business vehicle? If you need to move beyond your compact and want to invest in a cargo van for a more professional look and feel, janitorial equipment financing can help you buy a new or used model.

Invest in Equipment

Besides a work vehicle, the costs of the equipment you need to run your business can quickly add up. A cleaning business loan could help you purchase any of the following and more:

  • Janitor cart
  • Solution tanks
  • Dehumidifiers
  • Steam cleaner and extractor
  • Commercial vacuum cleaners
  • Professional carpet cleaner
  • Commercial floor scrubber and polisher
  • Commercial deep cleaning machines

Buy Cleaning Supplies

Are you looking to buy in bulk or need to make a big purchase to restock your supplies? From paper products to disinfectants, heavy-duty degreasers to floor cleaning solutions, stock up when you need to.

Market Your Cleaning Business

The U.S. Small Business Administration recommends small business owners dedicate 7% – 8% of annual revenue to marketing, split between brand development (e.g., website) and promotions (e.g., advertising campaigns). 

If your cleaning company is bringing in $100,000 annually, that will equate to $7,000-$8,000 in marketing. If you’re newer on the scene, you might want to invest more to get your name out there. Sometimes, there’s not enough cash on hand, though, and obtaining a loan can be just the fix.


Best Cleaning Business Loans

Janitorial Equipment Financing

Buy the vehicle and machinery you need to run your business with the funds from an equipment loan. You might be able to secure all of the funds you need to make your purchase.

Business Term Loan

This type of small business loan can be used for just about any business expense. With a term loan, you’re approved for a 1-time lump sum of capital, which you repay in regular installments. Depending on your lender and loan terms, you may repay your borrowed funds with daily, weekly or monthly payments.

Business Line of Credit

If you need the flexibility to access funds at different times of the year, a business line of credit could be the right financing solution. It functions similarly to a credit card – you’re approved for a certain amount, which you’re able to tap into at any time, whether for an emergency expense or a last-minute purchase. As you repay your debt, your credit line is restored and able to be accessed time and time again.

SBA Loan

If you’re interested in long repayment terms and competitive rates, an SBA loan is an option many small business owners consider. Because the U.S. Small Business Administration partially guarantees these loans, they’re typically less risky for lenders.

Merchant Cash Advance

If your priority is getting fast access to cash, a merchant cash advance is a form of alternative financing that could work for you. This short-term financing product is also an option for business owners with lower credit scores.

Where to Find Cleaning Business Loans

When it comes to finding maintenance service financing, there are a lot of options out there. Here are a few details to consider when evaluating small business lenders.

Conventional Lenders

When you need cleaning and janitorial supplies financing, you might first consider turning to a conventional lender, such as a bank. After all, banks have long-since been the go-to lender for business owners. 

Over the past 10-15 years, though, banks have made it more difficult to qualify for funding. High credit score requirements and collateral are just a couple of reasons why many small business owners seek alternatives. The process can also be lengthy.

Alternative Lenders

Many business owners need fast access to capital and can’t afford to wait months to find out if they’ve met a bank’s standards or not. Funding for housekeeping and cleaning businesses is now available from alternative, nonbank lenders. 

While interest rates can be higher and the terms shorter than you’d find with conventional lenders, you’ll benefit from streamlined processes that mean fast access to funding. Many small business owners find they qualify.


What You Need to Apply for Cleaning and Maintenance Service Business Financing

With Fast Capital 360, you can apply to obtain financing for janitorial supplies or equipment for your cleaning business with the following qualifications and documentation:  

Minimum Requirements:   

  • 500+ FICO score
  • 6 months in business
  • Annual revenue of $120,000 

What You’ll Need to Get Started:

  • Basic information about your business and yourself 
  • 6 most recent monthly bank statements

Apply for Janitorial Supplies Financing With Fast Capital 360

Financing for janitorial supplies and equipment from Fast Capital 360 can help you meet your customers’ needs and keep business going.

Quick and Easy Application

Get started by completing our online application in just a few minutes. It’s that easy.

Multiple Offers

Compare funding offers from our nationwide network of lending partners. 

Expert Advice 

Our Business Advisors are standing by to answer any questions you have about our programs and how they can help your cleaning service.

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