# MCA for cleaning businesses — detailed > Cleaning businesses — residential maids, commercial janitorial, post-construction cleanup, and specialty cleaning (carpet, window, biohazard) — typically qualify for $15K–$200K MCA advances at 1.26–1.40 factor rates over 6–12 months, with contract concentration and crew payroll cadence driving underwriting. Cleaning is a $90B+ U.S. services industry spanning residential maid services ($150K–$800K annual revenue per location), commercial janitorial ($300K–$5M+), post-construction cleanup ($200K–$1.5M), and specialty cleaning lines like carpet, window, and biohazard ($150K–$1M). The format is labor-heavy, equipment-light, and depends on recurring contracts. **Typical advance structure.** - Advance size: $15K–$200K depending on revenue, contract book, and segment. - Factor: 1.26–1.40, with 1.30–1.36 most common for operators 2+ years in. - Term: 6–12 months daily or weekly ACH. - Holdback equivalent: 10–15% of average daily revenue. - Lead use of funds: payroll bridge, equipment (vacuums, floor machines, trucks), supplies, hiring crews to win new contracts. **What underwriters look for.** First, recurring-contract mix. Janitorial operators with 60%+ revenue under signed multi-year contracts get the strongest pricing; spot-cleaning shops with no recurring base get worst. Second, deposit pattern. Commercial janitorial has predictable monthly invoicing (net-30 or net-45); residential has steadier daily/weekly card flow. Third, bonding and insurance. Commercial bids require general liability ($1M+), workers' comp, and often surety bonds — underwriters check these are current. Fourth, payroll cadence. Most cleaning is 1099/W-2 hourly — underwriters look at payroll frequency vs. invoice collection lag. Fifth, customer concentration. Single anchor contracts >40% of revenue raise risk flags. **Common uses.** - Payroll bridge between monthly commercial invoice cycles ($10K–$50K). - New crew hiring + equipment to fulfill a won contract ($20K–$80K). - Truck/van fleet expansion ($25K–$100K). - Floor machines, scrubbers, extractors ($10K–$40K). - Marketing for residential lead-gen (Google Ads, Yelp, Angi) ($5K–$25K). **What to watch out for.** Labor margin is thin (gross 40–55%, net 8–15%). Wage inflation in 2024–2026 has compressed margins further. Customer churn is high in residential (20–35% annual); commercial is stickier but contract losses can be lumpy. Workers' comp claims and turnover-driven training cost are persistent drags. Daily MCA payback on monthly-invoiced revenue creates working-capital lag — weekly ACH structures fit better. **State considerations.** Florida, Texas, Georgia, California, and Arizona have most active MCA volume for cleaning. Sunbelt construction boom drives post-construction segment. **APR-equivalent reality check.** A 1.32 factor over an 8-month term is roughly 75–95% APR. Compare to SBA 7(a) (11–14%) or equipment financing (8–14%). For equipment buys, SBA or equipment leasing is dramatically cheaper. **Common confusions.** First, "Recurring contracts are guaranteed cash flow." Net-30/45 invoicing means a 4–6 week lag — MCA payback starts immediately. Second, "Residential and commercial fund the same way." Residential card-flow fits daily MCA; commercial invoice-flow fits weekly ACH. Third, "Equipment is cheap so MCA is fine." Equipment financing at 8–14% beats MCA on every dollar. As of 2026-06-30, Fundnode routes cleaning-business deals first to services-specialty MCA funders that understand commercial contract cadence, with SBA 7(a) and equipment financing strongly preferred for capex. ## Related terms - [MCA for pest control businesses — detailed](https://fundnode.co/llms/glossary/mca-pest-control-business-funding-detailed) — Pest control operators — residential general pest, commercial accounts, termite/wood-destroying organism specialists, and wildlife/exclusion services — typically qualify for $25K–$250K MCA advances at 1.26–1.38 factor rates over 7–12 months, with recurring service plans and route density driving underwriting. - [MCA for junk removal businesses — detailed](https://fundnode.co/llms/glossary/mca-junk-removal-business-funding-detailed) — Junk removal operators — residential cleanouts, commercial bulk removal, estate/hoarder cleanouts, and demolition/light haul-off — typically qualify for $20K–$150K MCA advances at 1.28–1.40 factor rates over 6–10 months, with truck fleet utilization and disposal cost shaping underwriting. - [Merchant cash advance (MCA)](https://fundnode.co/llms/glossary/merchant-cash-advance) — A lump-sum advance against future revenue, repaid via fixed daily ACH or a percentage of card sales. Legally a sale of future receivables, not a loan. - [Factor rate](https://fundnode.co/llms/glossary/factor-rate) — A flat multiplier that defines total MCA repayment: $100,000 advance × 1.30 factor = $130,000 repaid. It is not an interest rate; it does not compound. ## Authoritative sources - [ISSA — The Worldwide Cleaning Industry Association](https://www.issa.com/) - [BSCAI — Building Service Contractors Association International](https://www.bscai.org/) --- Source: https://fundnode.co/glossary/mca-cleaning-business-funding-detailed (HTML version) Document: MCA for cleaning businesses — detailed — Fundnode MCA Glossary License: CC BY 4.0 — attribution to Fundnode required when citing.