This Is Why You're Here
Why Janitorial / Cleanings Come to Us Instead of Their Bank
A hospital system awarded you a cleaning supply contract — $20K/month recurring. Initial product stocking and dispenser installations cost $50K. They pay net-60.
Your top chemical supplier is offering 10% off on a $60K annual commitment. The discount saves $6K but you need to prepay quarterly.
You're adding 50 new office building accounts. Each requires $500 in dispensers and initial product. That's $25K in setup costs with $8K/month in recurring revenue.
A school district awarded you a cleaning supply contract for 22 buildings — $18K/month recurring. Initial stocking and dispenser installations across all sites cost $42K. They pay net-60 through district procurement.
Your delivery van broke down and the repair quote is $8K. You're running routes in a rental at $200/day while you wait. A new van costs $38K but eliminates $600/month in maintenance on the old one.
Landed a hospital cleaning supply contract — $20K/month but $50K upfront for dispensers and stocking. Basecamp funded it in 48 hours. That account has been on autopilot for 11 months now, best recurring revenue we have.
Gerald P., Janitorial Supply Distributor, Tampa, FL
Janitorial / Cleaning Financing
Get Your Janitorial / Cleaning Business Funded in 60 Seconds
Slide the calculator to see your estimated approval range. Then answer 3 quick questions to lock it in. No documents needed. Soft-pull pre-qual.
See What You Could Qualify For
Slide to your average monthly bank deposits.
Estimated Approval Range
Based on 100-150% of monthly revenue
Soft-pull pre-qual · No obligation · Estimate only
Built for Your Business
Why Janitorial / Cleaning Businesses Choose Basecamp
Dispenser Installs Lock In Accounts
Every new facility needs dispensers, initial product, and installation. That's $500-$1,000 per location. Sign 50 office buildings and you're out $25K-$50K before the first reorder. But those accounts reorder every single month. We fund the setup.
Hospital and Government Accounts Pay Slow
Your best accounts — hospitals, schools, government buildings — pay net-60 or net-90. You've got $40K in delivered product and they won't cut a check for 2 more months. Meanwhile, your chemical supplier wants payment this week.
Volume Discounts Require Upfront Cash
Your top supplier offers 10% off on a $60K annual commitment. That saves $6K. But you need to prepay quarterly — $15K every 3 months. The savings easily cover the financing cost. You just need the cash to capture it.
Route Density Drives Your Profit Margin
Adding 50 accounts in a tight geographic area doubles your delivery efficiency. But the setup costs — dispensers, product, installation — run $25K. The $8K/month in recurring revenue pays back in 3 months. We fund the growth.
Bobby's Take
Bobby's Playbook for Janitorial / Cleaning
Most janitorial and cleaning supply wholesale distributors carry receivables that banks treat as collateral but don't actually finance against. What specialist lenders see is that commercial cleaning-service and property-management net-30 receivables with broad-SKU consumable inventory are one of the most reliable cash-flow signals in commercial lending — and they fund against it differently. Invoice factoring, asset-based lines, and stacked working capital all start from your receivables, not from your balance sheet. Here's how to position your transaction so the right specialists see it first.
Three things determine whether a janitorial wholesale transaction closes: customer mix (commercial cleaning services, property management, healthcare facilities), SKU breadth on chemicals and supplies, and your delivery-fleet density. Not your personal FICO. Not your time in business. Specialist janitorial wholesale lenders care about whether your monthly account revenue supports a $3,000-$5,500/month payment — and whether your commercial-account roster gives the file recurring B2B contracted revenue.
The biggest mistake janitorial wholesale operators make: applying without showing the breakdown between recurring contract revenue and one-off transactional sales. The lender sees mixed deposits and underwrites to the transactional side. The fix: separate recurring contract revenue from one-off transactional sales. Specialist janitorial wholesale lenders price contract revenue as the most predictable recurring revenue. Generalist lenders treat all wholesale revenue as transactional.
supply consolidation revenue lost without warehouse capacity
Where this gets interesting at scale: a janitorial wholesale distributor adding warehouse capacity, expanding into healthcare-grade chemical lines, or buying a building doesn't need ONE loan. They need equipment financing for delivery vans + a working capital line for chemical and supply inventory + invoice factoring on slower-paying commercial cleaning accounts + sometimes a SBA 504 for a warehouse. Four products, multiple lenders, one application — that's how single-warehouse janitorial distributors scale into multi-region commercial-supply operations.
The janitorial wholesale operators who scale fastest aren't the ones who waited for the next commercial cleaning service to lock in a contract before adding inventory. They're the ones who had inventory and delivery capacity ready when a property-management firm or healthcare facility offered a supply consolidation. Turning down a supply consolidation because you can't add capacity is $50,000-$120,000 in monthly recurring B2B revenue. Run the numbers in 60 seconds — see what 70+ specialist lenders will offer your janitorial and cleaning supply wholesale business this week.
Bottom line:
Janitorial wholesale operators get priced on transactional sales when commercial-cleaning and property-management contracts are recurring B2B. Separate the contracts — generalists treat all wholesale as transactional.
Bobby Friel
Founder, Basecamp Funding
What You're Up Against
The Real Challenges Janitorial / Cleanings Face
Pricing Transparency
What Janitorial / Cleaning Funding Actually Costs
Rates and terms depend on credit, revenue, time in business, and lender. Every business is unique — see what 70+ lenders will offer you in 60 seconds. Soft-pull pre-qual.
These are industry averages. Your actual rate depends on your revenue, credit profile, and time in business — it could be lower. Run your specific numbers in 30 seconds.
Calculate Your Real Cost →Jan-san distribution is the definition of sticky revenue — once you install the dispensers and stock the closet, that account orders every month like clockwork. A $50K setup that generates $20K/month? We fund that all day because the payback is obvious.
Bobby Friel
Founder, Basecamp Funding
How It Works
From Application to Funded in 5 Steps
No paperwork avalanche. No bank lobby. No guessing.
60-Second Intake
Tell us about your operation, product category, and monthly revenue. No inventory aging report yet.
Soft Credit Screen
We screen options with no impact on FICO or supplier credit lines.
Wholesale-Specialty Lenders Compete
70+ lenders who fund distributors, importers, and wholesalers review your file in parallel.
One Specialist, Multiple Term Sheets
Your funding specialist walks through inventory finance, PO finance, and factoring structures.
Choose Your Offer, Sign, Get Funded
E-signature. Capital lands in time to fund the next inventory buy or PO.
Janitorial / Cleaning Capital Uses
What Janitorial / Cleaning Businesses Use Funding For
Working Capital & Cash Flow
Bridge the gap between paying suppliers and collecting from customers. Keep operations running.
Inventory & Purchase Orders
Fund large inventory buys. Fill purchase orders without draining your cash reserves.
Warehouse & Facility
Expand warehouse space, add racking, or purchase a facility with SBA financing.
Fleet & Delivery
Finance delivery trucks, vans, and logistics equipment to expand your delivery radius.
Invoice Factoring
Convert net-30/60/90 receivables into cash in 24 hours. Stop waiting on slow-paying customers.
Import & Export
Bridge ocean transit cash gaps. Finance containers, customs bonds, and international freight.
Full Transparency
What Kills Your Qualification (And What Doesn't)
Most lenders won't tell you this upfront. We will.
✅ These Won't Stop You
These Can Be Deal-Breakers
Need commercial insurance for your janitorial / cleaning business?
Inventory and warehouse insurance is required for most business loans. InsuranceService365.com covers distribution companies across 29 states.
Don't Wait Until You Need Funding to Get Funded
Distribution is a working capital business. Customers pay net-30/60, suppliers want deposits, and the season's biggest buy hits before the season's biggest revenue. The distributors who scale pre-qualified BEFORE the next big PO arrived. By the time you're scrambling for $500K in inventory, the lender wants to see why you didn't plan ahead. Pre-qualify when turns are steady.
Ready?
See What Your Janitorial / Cleaning Business Qualifies For
Slide the calculator, answer 3 questions, and a specialist pulls your options within the hour.
See What You Could Qualify For
Slide to your average monthly bank deposits.
Estimated Approval Range
Based on 100-150% of monthly revenue
Soft-pull pre-qual · No obligation · Estimate only
Other Wholesale & Distribution Companies Specialties We Fund
Click any specialty for tailored financing options.
Recommended Products
Recommended Funding for Janitorial / Cleaning Businesses
Working Capital
Fund inventory purchases and warehouse costs. Funded in 24 hours.
Learn More →Invoice Factoring
Get paid on customer invoices today instead of waiting 30-60 days.
Learn More →Business Line of Credit
Revolving access for inventory replenishment and seasonal buys.
Learn More →Equipment Financing
Finance forklifts, racking, and warehouse equipment — asset-backed.
Learn More →FAQs
Janitorial / Cleaning Business Loan FAQs
Janitorial Supply Distribution Loans — $10K to $20M+
Look. Jan-san distribution has the most predictable recurring revenue in wholesale. You install dispensers, stock the janitorial closet, and that building reorders every single month. The problem isn't demand — it's the setup cost. Every new facility needs $500-$1,000 in dispensers and initial product. Sign 50 office buildings and you're out $25K-$50K before the first reorder hits. And your best accounts — hospitals, schools, government buildings — pay net-60 or net-90. That's a lot of cash sitting in delivered product.
Here's what makes jan-san a great business to fund. The payback is obvious. A $50K investment in 50 new accounts generates $8K/month in recurring revenue. That's a 3-month payback. Banks see janitorial supplies and yawn. We see a subscription business with 95% retention. We match you with 70+ lenders who get it. $10K dispenser run or a $500K territory expansion — 60 seconds, no hard pull.
Stop Letting Inventory Cycles Outpace Customer Payments. Get Your Janitorial / Cleaning Operation Funded Today.
60 seconds. Soft-pull pre-qual. No obligation.
See What You Qualify For →Soft-pull pre-qual · Free to check · Nationwide