How we picked
Filtered to lenders that fund service businesses (cleaning specifically). Service businesses often underwrite better than expected due to recurring contract revenue.
Top picks at a glance
| Lender | Best for | Amount | Speed | Min credit | Action |
|---|---|---|---|---|---|
| Credibly | Best general MCA for established cleaning businesses | $5K – $600K | As fast as 4 hours | 550+ | Apply → |
| Fundbox | Best LOC for ongoing payroll bridging | $1K – $150K | As fast as 1 day | 600+ | Apply → |
| Greenbox Capital | Best for credit-recovering operators (500+) | $5K – $250K (MCA); other products vary | 24 – 48 hours | Flexible — accepts down to 500 on some programs | Apply → |
| Live Oak Bank | Best SBA for cleaning franchise / acquisition | $25,000 – $25,000,000+ | 30 – 90 days underwriting (SBA standard) | 680+ typical | Apply → |
| OnDeck | Best term loan for established cleaning operators | $5K – $400K (term); $6K – $200K (LOC) | Same-day for approved files | 600+ | 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 5 picks
#1 · Best general MCA for established cleaning businesses
Credibly
Max amount
$600K
Cost
Factor 1.11+ (MCA)
Speed
As fast as 4 hours
Min credit
550+
Why we picked it
Strong for service businesses. 6+ months TIB, $15K+/mo revenue. Multi-product (MCA + LOC + term) covers most funding needs.
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 LOC for ongoing payroll bridging
Fundbox
Max amount
$150K
Cost
Weekly fee structure
Speed
As fast as 1 day
Min credit
600+
Why we picked it
LOC structure fits cleaning's recurring labor needs. Lower cost than MCA for qualifying operators (600+ credit, 6+ months TIB).
The strength
Lower bar than Bluevine. API-first / embedded narrative makes it the easiest LOC to integrate. Fast first-draw funding.
The watch-out
Smaller draws ($150K cap). APR-equivalent often higher than Bluevine for the same merchant profile.
Qualifications
6 months
$8,000
600+
#3 · Best for credit-recovering 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 credit floor. Industry-flexible. Will fund newer cleaning businesses.
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
#4 · Best SBA for cleaning franchise / acquisition
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
SBA 7(a) for buying an existing cleaning business or franchise. $250K-$2M typical. Materially cheaper than MCA for acquisitions.
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
#5 · Best term loan for established cleaning operators
OnDeck
Max amount
$400K (term); $6K
Cost
Term APR 27%+
Speed
Same-day for approved files
Min credit
600+
Why we picked it
OnDeck term loans for capital needs over 12 months. 12+ months TIB, 600+ credit, $8K+/mo revenue.
The strength
Direct-lender brand trust. Same-day funding on approved files. Term loan product fills the gap between SBA and MCA.
The watch-out
Their broker/ISO program has a high entry bar (2+ years, $1M+/mo volume). Most merchants access OnDeck directly, not via brokers.
Qualifications
12 months
$8,000
600+
Frequently asked questions
- Will MCA funders work with cleaning companies?
- Yes — Credibly, OnDeck, Greenbox all regularly fund cleaning. The recurring contract nature of commercial cleaning makes for stable underwriting. Residential is slightly tighter but still fundable.
- What's the best funding for buying a janitorial business?
- Live Oak Bank SBA 7(a) — designed exactly for this. $250K-$2M typical deal size. 60-90 day timeline but materially cheaper than MCA acquisition financing.
- Can I get a loan with mostly cash-paying residential clients?
- Harder — MCA funders prefer card/electronic revenue trails. If you can show consistent deposits (even if cash-deposited), most funders accept. Square POS or similar for residential payments helps materially.
- How much can I borrow as a $30K/mo commercial cleaning business?
- Credibly: $25K-$150K based on bank statements. OnDeck term: $15K-$100K. Fundbox LOC: $10K-$50K initial, expandable. Match yourself at /match.
Related reading
Methodology. Rankings on Fundnode are editorial — we filter our database of 100 funders against the specific use case for this page, then rank by qualifying criteria (transparency, speed, contract terms, customer experience signals). We earn referral fees from some funders when merchants apply via Fundnode; ranking is independent of fee structure. Updated 2026-06-24.