Industries we fund · Cleaning Services
Working capital for cleaning businesses
Commercial cleaning is contract math: win the account, staff it, float payroll until the invoice pays. Every new contract is profitable on paper and cash-hungry in month one.
Clearwater places cleaning files with funding partners that already know the industry: $10K to $2M, sized off your real bank deposits, with no hard credit pull to apply. Searching for cleaning business loans? What we place is revenue-based funding - an advance repaid out of daily deposits - and this page explains exactly how it prices so you can compare honestly.
How funders read a cleaning file
The commercial-versus-residential split decides how a cleaning file reads. Commercial books with net-30 invoices show chunky monthly deposits from repeat payers - funders price that as contract revenue and like it. Residential books show high-frequency small deposits, which read fine when consistent. The strongest files show both: contracts for the base, residential for the margin. New-contract stories are the cleanest use of capital in the industry.
What cleaning businesses use the capital for
- Payroll float on a new commercial contract before first invoice pays
- Equipment and supplies for larger accounts
- Vehicle wraps and crew vehicles
- Bonding and insurance requirements for bigger bids
What the numbers look like
Most files support roughly half to 1.4 times monthly bank deposits - where a file lands depends on deposit consistency, time in business, and existing positions. As an illustration only: a cleaning business depositing $50,000 a month might see an advance around $45,000, repaid as about $283 per business day until a fixed $59,400 is paid. The total is fixed on day one - it never compounds or grows - and most deals carry prepayment discounts, shown with your offer.
| Advance range | $10,000 - $2,000,000 |
| Monthly revenue floor | $10,000 in business deposits |
| Time in business | 6+ months |
| Credit | Cash flow weighs more - scores from 450 workable |
| To apply | No hard credit pull. 4 months of statements + month to date |
Cleaning Services funding questions
I just won a big contract but need to staff it. Is that fundable?
That is the classic cleaning-industry use case. The contract plus your deposit history makes the story easy to place - mention the contract when you apply.
My clients pay net-30. Does that hurt?
No - funders see the invoices landing as deposits on rhythm. The lag is structural to commercial cleaning and priced in.
What is the minimum to qualify?
Roughly $10K a month in business-account deposits and six months operating. Below that, finish two more strong months and then apply.
See your number, not a sales pitch
Two minutes, no hard credit pull, and the estimate is sized off your real deposits.
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