Janitorial supply distributors serve offices, schools, hospitals, and property managers — accounts that order predictably but pay slowly. Between chemical inventory, dispensing equipment, and the delivery fleet to service hundreds of accounts — jan-san distributors need capital that keeps product flowing.
This Is Why You're Here
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
Slide the calculator to see your estimated approval range. Then answer 3 quick questions to lock it in. No documents needed. No credit impact.
Built for Your Business
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.
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.
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.
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.
What You're Up Against
| Challenge | What It Looks Like | Funding Solution | Amount | Speed |
|---|---|---|---|---|
| Institutional contract ramp-up | A hospital system awarded you a $20K/month cleaning supply contract. Initial product stocking and dispenser installations across 6 buildings cost $50K. They pay net-60 through procurement. | Working Capital | $10K–$2M | 1–3 days |
| Fleet vans for delivery routes | Your delivery van broke down and you're running routes in a rental at $200/day. A new van costs $38K but eliminates $600/month in maintenance on the old one and keeps your routes on schedule. | Equipment Financing | $10K–$5M | 3–7 days |
| Product line expansion | Green cleaning products are taking over. Your customers want eco-certified chemicals but switching requires $30K in new inventory, reformulated dispensers, and updated SDS documentation. | Working Capital | $10K–$2M | 1–3 days |
| Seasonal school and office demand | Back-to-school season means 22 school buildings need full restocking in August. That's $42K in product and dispensers due before the school year starts, but the district pays net-60. | Business LOC | $10K–$5M | 1–5 days |
| Bid bond requirements for government contracts | A county government RFP requires a $15K bid bond plus proof of inventory capacity. Winning the contract means $35K/month in recurring revenue but the bond ties up cash you need for operations. | Working Capital | $10K–$2M | 1–3 days |
Pricing Transparency
| Product | Amount | Term | Rate | Speed |
|---|---|---|---|---|
| Working Capital | $10K–$2M | 3-18mo | 8-22% APR | 1-3 days |
| Invoice Factoring | $10K–$5M | Per invoice | 1-3% per 30 days | 1-2 days |
| Business LOC | $10K–$5M | Revolving | 8-24% APR | 1-5 days |
| Equipment Financing | $10K–$5M | 2-6yr | 5-14% APR | 3-7 days |
| PO Financing | $25K–$5M | Per order | 1.5-4% per 30 days | 3-5 days |
Rates vary by credit, revenue, and time in business. These are typical ranges.
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, Basecamp Funding - Founder
How It Works
No paperwork avalanche. No bank lobby. No guessing.
Answer a few quick questions about your business. No documents needed yet.
We check your options with zero impact on your FICO. Your score stays untouched.
Your profile is matched to 70+ lending partners. They compete - you never hear from them directly.
Your funding specialist presents your best options. No spam calls. No runaround.
Choose the rate and terms that fit. Sign digitally. Funds hit your account - same day available.
Janitorial / Cleaning Capital Uses
Bridge the gap between paying suppliers and collecting from customers. Keep operations running.
Fund large inventory buys. Fill purchase orders without draining your cash reserves.
Expand warehouse space, add racking, or purchase a facility with SBA financing.
Finance delivery trucks, vans, and logistics equipment to expand your delivery radius.
Convert net-30/60/90 receivables into cash in 24 hours. Stop waiting on slow-paying customers.
Bridge ocean transit cash gaps. Finance containers, customs bonds, and international freight.
Full Transparency
Most lenders won't tell you this upfront. We will.
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.
68% of loan denials happen because of weak financials at time of application. The best time to apply is when your business is performing — not when you're scrambling.
Ready?
Slide the calculator, answer 3 questions, and a specialist pulls your options within the hour.
Click any specialty for tailored financing options.
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Learn More →FAQs
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.
60 seconds. No credit impact. No obligation.
See What You Qualify For →No hard credit pull · Free to check · Nationwide