How we picked
Filtered to lenders that fund labor-heavy service businesses with mixed ACH/check revenue and low card volume. Multi-product MCA + LOC ranked first because the payroll-vs-net-30-receivables gap is the dominant capital need. Equipment financing prioritized for floor machines, vans, and pressure-washing rigs. SBA reserved for acquisition or multi-territory rollouts. Lower-credit-tier MCA included for owner-operators rebuilding credit.
Top picks at a glance
| Lender | Best for | Amount | Speed | Min credit | Action |
|---|---|---|---|---|---|
| Credibly | Best for payroll-vs-receivables working capital | $5K – $600K | As fast as 4 hours | 550+ | Apply → |
| Greenbox Capital | Best for credit-recovering cleaning operators (500+) | $5K – $250K (MCA); other products vary | 24 – 48 hours | Flexible — accepts down to 500 on some programs | Apply → |
| Currency Capital | Best for cleaning vans and truck financing | $10,000 – $2,000,000 | Funding in 24 – 72 hours after approval | 600+ | Apply → |
| Beacon Funding | Best for floor scrubbers, pressure washers, and specialty equipment | $5,000 – $1,000,000 | Funding in 1 – 5 business days | 550+ | Apply → |
| Balboa Capital | Best for equipment + working capital combined | $5,000 – $250,000 | 1 – 3 business days | 600+ | Apply → |
| Live Oak Bank | Best SBA 7(a) for cleaning company acquisition or expansion | $25,000 – $25,000,000+ | 30 – 90 days underwriting (SBA standard) | 680+ typical | Apply → |
Advertiser disclosure: Fundnode may earn referral fees from funders listed on this page when you apply through us. This does not affect editorial rankings — see our methodology.
Detailed reviews — our 6 picks
#1 · Best for payroll-vs-receivables working capital
Credibly
Max amount
$600K
Cost
Factor 1.11+ (MCA)
Speed
As fast as 4 hours
Min credit
550+
Why we picked it
The dominant cleaning-business capital need is bridging weekly payroll against net-30 to net-60 commercial receivables. Credibly's multi-product (MCA + LOC + term) means you can draw on a LOC for routine payroll bridges and only take an MCA for larger one-shot needs. 550+ credit, 6+ months TIB, $15K+/mo revenue. Funds in as fast as 4 hours.
The strength
March 2026 API V2 + Cloudsquare integration — most modern submission UX in MCA. $3B+ deployed, 60K+ SMBs. Publishes factor rates honestly (starting 1.11 for A-paper).
The watch-out
The 1.11 headline is the A-paper floor; average factor is closer to 1.32. ISO commission terms aren't public.
Qualifications
6 months
$15,000
550+
#2 · Best for credit-recovering cleaning operators (500+)
Greenbox Capital
Max amount
$250K (MCA); other products vary
Cost
Factor varies
Speed
24 – 48 hours
Min credit
Flexible — accepts down to 500 on some programs
Why we picked it
Lowest published credit floor among generalist MCAs that fund cleaning. Will work with single-truck owner-operators at lower revenue thresholds than most competitors. Published ISO commission caps bound broker markup — meaningful protection in a vertical where brokers chase cleaning owner-operators hard.
The strength
Five products under one roof: MCA, invoice factoring, equipment financing, collateral loans, LOC. White-label contracts let brokers run the deal under their own brand. Priority 1 status for new ISOs.
The watch-out
$250K MCA cap is below competitors. Marketing tilts broker-friendly more than merchant-transparent.
Qualifications
6 months
$15,000
Flexible — accepts down to 500 on some programs
#3 · Best for cleaning vans and truck financing
Currency Capital
Max amount
$2,000,000
Cost
APR 8 – 22% (varies by equipment + credit)
Speed
Funding in 24 – 72 hours after approval
Min credit
600+
Why we picked it
Strong commercial vehicle financing platform — Ford Transit, Ram ProMaster, Mercedes Sprinter, and Isuzu NPR work-trucks used by cleaning companies. APR 8-22% with the vehicle as collateral, dramatically cheaper than MCA for $30K-$80K van purchases. Section 179 friendly. Best first stop for any cleaning company adding routes or replacing aging vans.
The strength
Equipment-specific financing with strong tech platform. Online application, fast approval. Equipment serves as collateral — lower rates than unsecured MCA equivalents. Strong industries: trucking, construction, manufacturing.
The watch-out
Equipment-only — financed funds must be used for specific equipment purchase. Equipment-as-collateral means default risks the equipment.
Qualifications
6 months
$10,000+
600+
#4 · Best for floor scrubbers, pressure washers, and specialty equipment
Beacon Funding
Max amount
$1,000,000
Cost
APR 8 – 25%
Speed
Funding in 1 – 5 business days
Min credit
550+
Why we picked it
Beacon funds the equipment specialty lenders skip: ride-on auto-scrubbers ($15K-$40K), Tennant and Nilfisk floor machines, commercial pressure-washing rigs, soft-wash chemical systems, and post-construction HEPA gear. 550+ credit acceptable. The right choice when a single piece of equipment runs $10K+ and you want it equipment-secured rather than on an MCA.
The strength
Equipment financing with broader industry acceptance than larger competitors. Will fund specialty equipment (food trucks, photography gear, fitness equipment, salon equipment). Lower credit threshold (550+).
The watch-out
Higher rates than bank equipment financing for prime credit. Smaller deal cap. Industry specialization can mean less depth in any single vertical.
Qualifications
12 months
$10,000+
550+
#5 · Best for equipment + working capital combined
Balboa Capital
Max amount
$250,000
Cost
Equipment APR 8 – 22%
Speed
1 – 3 business days
Min credit
600+
Why we picked it
Bank-backed (Ameris Bank) offering equipment financing AND working capital from one provider — useful when a cleaning company needs a new floor scrubber AND cash for a contract mobilization deposit at the same time. Section 179 friendly. Cleaner structure than stacking equipment financing + a separate MCA.
The strength
Strong equipment financing + working capital combined. Public-bank-backed (Bank of America subsidiary historically; now Ameris Bank). Section 179 friendly structures.
The watch-out
Equipment-only restriction on lower-rate products. Working capital pricing not always the cheapest.
Qualifications
12 months
$10,000
600+
#6 · Best SBA 7(a) for cleaning company acquisition or expansion
Live Oak Bank
Max amount
$25,000,000+
Cost
SBA 7(a) APR prime + 2.75% to 4.75%
Speed
30 – 90 days underwriting (SBA standard)
Min credit
680+ typical
Why we picked it
Cleaning company acquisition is a well-trafficked SBA 7(a) category — established franchise (ServiceMaster, Jan-Pro, MaidPro) and independent buyouts both fund routinely. Live Oak is the #1 SBA 7(a) lender in the US. $250K-$2M typical. Prime + 2.75-4.75% APR. 60-90 day timeline. Wrap equipment + working capital + goodwill into a single package.
The strength
Largest SBA 7(a) lender in the US by dollar volume for 7+ consecutive years. Industry-specialty teams (veterinary, dental, funeral homes, self-storage, agriculture, hotels). Deep understanding of niche-vertical underwriting. Dramatically cheaper than MCA for qualifying merchants.
The watch-out
Long underwriting timeline (45-90 days typical). Requires strong credit (680+), 2+ years operating, clean financials. Industries outside their specialty get less attention.
Qualifications
24 months
$20,000+
680+ typical
Frequently asked questions
- How do I finance payroll when my commercial cleaning contracts pay net-30 or net-60?
- Two clean structural options: (1) a Credibly line of credit drawn only when payroll is due and paid back as the receivables clear — far cheaper than a one-shot MCA over the same period; (2) invoice factoring against the actual receivables (TBS, Triumph, eCapital fund commercial-receivable factoring) — you get 80-90% of the invoice within 24 hours and pay 1-3% per 30 days outstanding. Factoring is structurally cheaper than MCA when receivables are clean and customers pay on time.
- Can a cleaning company qualify for an MCA with mostly ACH and check revenue?
- Yes — unlike pure card-volume verticals (restaurants, retail), generalist MCAs (Credibly, Greenbox, Forward Financing) underwrite cleaning companies primarily off bank statements. Need $15K+/mo in verifiable deposits, 6+ months operating, 550+ credit. The low card mix is not a disqualifier as long as the deposits are consistent.
- Should I buy or lease a $25K ride-on floor scrubber?
- Buying via equipment financing (Beacon, Currency, Balboa) at APR 10-18% over 4-5 years builds ownership and qualifies for Section 179. Leasing has lower monthly payments but no ownership. Commercial floor machines last 8-12 years if maintained — financing usually wins on total-cost-of-ownership. The exception: if you're not sure the contract requiring the machine will renew past year 2, lease lets you walk away.
- Can I get an SBA loan to buy an existing cleaning business?
- Yes — cleaning company acquisition is a well-funded SBA 7(a) category. Live Oak funds these routinely. Typical deal: $300K-$1.5M total, 10-15% down from buyer, 10-year term, prime + 2.75-4.75% APR. Need 680+ credit, demonstrated industry experience preferred. Recurring contract revenue (vs. one-off jobs) significantly improves approval odds. 60-90 day close.
Related reading
- Best cleaning services funding 2026
- Best equipment financing 2026
- How to qualify for an MCA in 2026
- The full 2026 ranking — 100 funders
Methodology
How we chose
Ranking criteria
- Use-case fit — funder must qualify the merchant profile this page targets (credit, time-in-business, revenue, industry).
- Pricing transparency — published factor-rate or APR-equivalent disclosure outweighs marketing-only quotes.
- Speed-to-fund — verified time from signed contract to ACH deposit, not 'as fast as' marketing claims.
- Contract terms — daily/weekly debit structure, prepayment treatment, COJ / personal guarantee posture.
- Customer-experience signals — BBB profile, Trustpilot, ISO chatter, and direct merchant feedback collected via Fundnode applications.
Sources consulted
- Funder-published rate cards, contract templates, and disclosure pages (refreshed quarterly).
- Public regulatory filings — California DFPI commercial-financing disclosures, New York commercial-financing disclosure law filings.
- Direct merchant feedback collected through Fundnode's /qualify funnel (n > 200 since 2026-01).
- ISO desk operator interviews — anonymized commentary on approval patterns and stipulations.
Update cadence
Reviewed quarterly. Last updated 2026-06-24.
Conflict of interest
Fundnode may earn referral fees from funders listed on this page when merchants apply through us. Rankings are editorial and independent of fee economics — funders cannot pay for placement.