The Pinch Points
Why Jan-San Distributors Come to Us Instead of Their Bank
Jan-san distribution is recurring, predictable, and cash-hungry up front. The setup cost lands months before the reorders do — and your bank wants six weeks of financials. Sound familiar?
Hospital Contract, Slow Pay
A hospital system awarded you a cleaning-supply contract — $20K/month recurring. Initial product stocking and dispenser installations cost $50K. They pay net-60.
Volume Discount, Cash Upfront
Your top chemical supplier is offering 10% off on a $60K annual commitment. The discount saves $6K, but you have to prepay quarterly to lock it in.
Fifty New Accounts to Stock
You're adding 50 new office-building accounts. Each needs $500 in dispensers and initial product — $25K in setup before the first reorder, against $8K/month in recurring revenue.
School District, 22 Buildings
A school district awarded you a 22-building supply contract — $18K/month recurring. Stocking and dispenser installs across every site run $42K, and the district pays net-60 through procurement.
Route Van Down
Your delivery van broke down and the repair quote is $8K. You're running routes in a rental at $200/day. A new van costs $38K and kills $600/month in maintenance on the old one.
Bid Bond Ties Up Cash
A county RFP requires a $15K bid bond plus proof of inventory capacity. The contract is worth $35K/month recurring, but the bond locks up the cash you need to keep routes running.
What an operator said
“Half our route vans needed transmissions in the same quarter — a fluke that could’ve stranded 40 accounts. The line covered the repairs and rentals; not one route missed a day.”
Joe B. · janitorial supply · Denver, CO
Start Here
See Your Range in 60 Seconds
No credit check, no documents to start, and an estimated funding range on the spot. No one contacts you until you’re ready to move forward.
What Happens When You Start
Estimate Your Capital Range
Slide to your annual gross revenue. We size capital off your top line — not your credit score.
Estimated Capital Range
A conservative range based on 10-15% of annual revenue — many businesses qualify for more with strong receivables or assets behind them. Lenders return real term sheets once they see your file.
60 seconds · No obligation · Estimate only
Built for the Trade
What We Fund for Jan-San Distributors
Onboarding Funded Up Front
A short-term line covers what a new account costs to bring on before it starts billing, so you add recurring contracts as fast as you win them without the launch cost choking your cash.
Bridge Slow-Pay Institutional Accounts
Hospitals, schools, and government buildings pay net-60 to net-90 while your chemical supplier wants paying this week — A/R financing bridges the gap so your best accounts don't drain you.
Capture Volume Discounts
A prepaid annual commitment unlocks supplier discounts that more than cover the financing — working capital funds the quarterly prepay so the savings are yours.
Route Vans & Equipment, Section 179
Delivery vans and route equipment keep accounts served — a fraction down with the equipment as collateral, full first-year write-off, instead of running routes in a rental.
Match Your Situation
The Cash-Flow Gaps We Fund for Jan-San
Match your situation to the structure. Every one of these funds on your revenue, not a perfect credit file.
| What It Looks Like | Funding Solution | Amount | Speed | |
|---|---|---|---|---|
| Institutional contract ramp | Hospital or district contract awarded; stocking and dispenser installs due before they pay net-60 | Working Capital | $75K–$300K | 1–3 days |
| Route fleet down or aging | A delivery van is down; running routes in a rental at $200/day | Equipment Financing | $75K–$250K | 3–5 days |
| Product line expansion | Customers want eco-certified chemicals; switching needs new inventory and dispensers | Working Capital | $75K–$200K | 1–3 days |
| Seasonal restock demand | Back-to-school stocking across 22 buildings due before the district pays | Business LOC | $250K–$1M | 1–5 days |
| Government bid bond | County RFP needs a bid bond plus proof of inventory capacity, tying up operating cash | Working Capital | $75K–$200K | 1–3 days |
The Products
How Janitorial Supply Financing Is Structured
Most jan-san distribution files fund between $75K and $5M+, structured to the accounts in front of you. Larger lines available when revenue, cash flow, and story qualify.
| Amount | Term | Best For | Funding Speed | Typical Structure | |
|---|---|---|---|---|---|
| Working Capital | $75K–$5M+ | 6mo–10yr | Dispenser installs, account stocking, payroll | 1–3 days | Often unsecured, daily/weekly ACH |
| Equipment Financing | $75K–$5M+ | 3yr–7yr | Route vans, box trucks, warehouse racking | 3–7 days | Equipment serves as collateral |
| Invoice Factoring | $75K–$5M+ | Per invoice | Slow-paying hospital and government invoices | 1–2 days | Invoices secure the line, no PG typically |
| Business LOC | $75K–$5M+ | Revolving | Recurring chemical and supplier buys | 1–5 days | Unsecured line, no PG by default |
Tax Strategy
Section 179 on a Route Van — Worked
If last year was strong and you’re about to write a check to the IRS — stop. Acquire qualifying equipment with as little as 10% down, finance the rest, and write off the full purchase price in year one. Section 179 covers it up to the annual cap; 100% bonus depreciation — made permanent in 2025, with no cap and no income limit — carries the rest.
At the top bracket, that first-year deduction can return meaningful tax savings — and for an established business with strong cash flow, it’s the difference between writing a check to the IRS and putting the same money into your own equipment. Your CPA models the exact numbers for your bracket and structure.
Worked scenario · top bracket · illustrative
You financed the machine and put down a fraction of its price — but you deduct the full price in year one. The write-off is bigger than your down payment, and the equipment keeps working the whole time.
Scales with your numbers
Illustrative only. Actual savings depend on your tax bracket, entity type, state conformity, and CPA guidance. Section 179 and bonus depreciation are elections your CPA makes for your situation; above the Section 179 cap, 100% bonus depreciation carries the balance.
Terms reflect credit, revenue, time in business, and each lender. Every file is unique — see what the desk structures for yours in the 60-second qualifier.
Bobby’s Take
“Jan-san operators come off a strong year and write a fat check to the IRS instead of replacing the route vans, racking, and a will-call handcart that's nickel-and-diming them on repairs. Put 10% down on the van, write off the full price in year one — a deduction bigger than the cash you put down. That's the fleet and the tax move in one.”
Bobby Friel · Founder · 20+ years in banking and finance
How It Works
From Application to Funded
One application, 70+ lenders competing, a dedicated specialist, and most files funded in days.
60-second estimate
Enter your numbers — no credit check, no documents. You see an estimated funding range on the spot.
A specialist is assigned
A real funding specialist — not an algorithm — reviews your file, usually within 24 hours.
70+ lenders compete
Your application goes to the marketplace. Competing offers typically land 24–48 hours later.
You pick the offer
Compare structures and terms with your advisor. No obligation until you choose to sign.
Funded in days
From same-day working capital to a multi-piece stack, most files fund in days — not the bank’s 60–90.
Underwriting
What Underwriting Looks At
Funding here leads with what your business actually does — your revenue and cash flow. The specialist desk reads the real picture from your statements, then matches it to the lenders most likely to fund it.
How you’re evaluated
Revenue-first
sized off your top line, not just your balance sheet.
Cash-flow driven
your bank statements show how the business really runs.
Bank-statement underwriting
even a down year is read off 4 months of statements.
Story-driven
a big new contract, a seasonal swing, a turnaround in progress: context the raw numbers miss counts too.
What to have ready
↳Had a loss year? It’s read off the bank statements — 4 months, not 6.
Start fast, finish complete
The operators who fund quickest come to the specialist review with these ready — but you don’t need all of it to start. Your signed application and bank statements are what unblock the review; the rest can follow as trailing docs. Real term sheets come once the lenders can see a true business overview, so the move is simple: get the application and statements in right away, and don’t let a missing tax return hold up your term sheets.
Credit, straight
Qualification
Who Gets Funded — and Who’s Not Ready Yet
A straight read saves everyone time — here’s the line between a janitorial supply file that funds and one that isn’t ready yet.
↳Time in business is a factor, not a gate — newer crews with strong revenue still qualify.
Not ready yet isn’t a no — it’s a checklist. Most of it is fixable in a quarter or two, and your advisor will tell you straight which gaps to fix before a file goes in.
The Operator's Guide
Janitorial Supply Distribution Financing
The Setup Cost Comes First
Jan-san distribution has the most predictable recurring revenue in wholesale. You install the dispensers, stock the closet, and that building reorders every month. The problem isn't demand — it's the setup cost. Every new facility needs $500 to $1,000 in dispensers and initial product. Sign 50 office buildings and you're out $25K to $50K before the first reorder hits. And your best accounts — hospitals, schools, government — pay net-60 or net-90. That's a lot of cash sitting in delivered product.
One Application, 70+ Lenders
A $50K investment in 50 new accounts generates $8K/month in recurring revenue — a three-month payback. Banks see janitorial supplies and yawn; we see a subscription business with 95% retention. We fund jan-san distributors — office, school, hospital, and property-management routes — in as little as 24 hours. One application. 70+ lenders. Soft-pull review. We've funded dispenser rollouts, $50K contract stocking, route vans, and revolving lines for supplier prepayments. A $10K dispenser run or a $500K territory expansion — fill out one application and let 70+ lenders compete for your business.
Common Questions
Janitorial Supply Financing — Questions, Answered
Yes. Working capital ($75K–$5M+) covers dispensers, initial product stocking, and installation labor with no restrictions. A $25K investment to add 50 accounts generating $8K/month pays back in about three months.
Working capital funds supplier prepayments in about 24 hours. A $60K prepayment that saves $6K in discounts easily justifies the financing cost, and you keep your cash for routes.
Invoice factoring advances 80–90% of outstanding invoices within 24–48 hours. A line of credit gives you ongoing cash flow while you wait on net-60/90 institutional payments.
Yes. Equipment financing for route vans, box trucks, and warehouse racking ranges from $75K to $5M+. The vehicle serves as collateral, which gives you longer terms — typically 3 to 7 years.
Yes. A revolving line lets you draw when you order chemicals and supplies and repay as accounts pay — ideal for capturing quarterly volume discounts without tying up operating cash. Funded in days on a soft-pull review.
No. Soft credit pull only — zero FICO impact.
Recommended Funding
The Products That Fit Janitorial Supply Work
Working Capital Loans →
Fund dispenser installations and initial product stocking for new facility accounts.
Invoice Factoring →
Convert net-60 hospital and government cleaning-supply invoices into cash within 24–48 hours.
Business Line of Credit →
Draw for chemical inventory and supplier prepayments to capture volume discounts.
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