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
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.