Revenue-Based Financing for Cleaning Services
Peak season brings $35,000 in monthly deposits. Post-holiday January might drop to $25,000. Revenue-based financing ties payments to your actual deposits, automatically adjusting with contract and seasonal variation that defines cleaning business.
How much funding do you need?
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Revenue-Based for Cleaning Patterns
Revenue-based financing calculates payments as a percentage of your deposits. Since cleaning deposits follow contract patterns, payments match your cash flow.
Contract Revenue Match
An 8% revenue share on a $30,000 contract month means $2,400 payment. Slower $20,000 month means only $1,600. Built-in revenue alignment.
Seasonal Protection
Holiday slowdowns or seasonal variation mean lower deposits. Payments drop proportionally. No stress during slower periods.
Contract Stability
Recurring contract revenue provides predictable foundation. Revenue-based payments align naturally with monthly contract cycles.
Growth Alignment
As your cleaning business grows and revenue increases, financing naturally repays faster through proportional payments.
Why Fixed Payments Create Stress
Contract and seasonal revenue variation is cleaning reality. Financing should acknowledge this.
Fixed Payments vs. Revenue Reality
A $2,000 monthly payment is manageable on $30,000 revenue but strains $20,000 months.
Seasonal Variation
Fixed payments continue at full amount through slow January when revenue drops.
Contract Timing
Lost contracts or delayed starts affect monthly revenue. Fixed payments do not adjust.
New Contract Ramp
New contracts need time to generate full revenue. Fixed payments ignore ramp-up.
Cash Flow Stress
Worry about hitting fixed payments during variable revenue periods.
Growth Constraints
Taking on growth creates short-term revenue variation. Fixed payments complicate growth.
Revenue-Based Financing Process
From application to funding in days.
Application
Complete online application with business information.
10 minutes
Deposit Review
Provide 4-6 months of bank statements showing deposit patterns.
Upload documents
Offer
Receive offer with funding amount, factor rate, and revenue share percentage.
24-72 hours
Funding
Accept and receive funds. Payments track with your deposits.
Same or next day
Payments That Match Cleaning Reality
Revenue-based financing ties payments to your actual deposits. Strong contract months handle more. Slower periods adjust automatically. Perfect alignment with cleaning cash flow.
Contract Revenue Alignment
Payments follow contract deposits. Strong months pay more, slow months pay less.
Seasonal Protection
Slow periods mean lower deposits and lower payments. Built-in relief.
Fast Access
Most applications receive decisions within 24-72 hours. Funding same or next day.
Growth Alignment
Business growing? Higher revenue means faster repayment you can afford.
Contract Timing Flex
New contract ramp or lost contract adjustment happens automatically.
Credit Flexibility
Deposit patterns matter more than credit scores. Strong revenue offsets challenges.
Revenue-Based for Cleaning
Situations where deposit-based payments work best.
Equipment Purchase
Finance equipment with payments that track your contract revenue.
Typical funding: $10K-$40K
New Contract Startup
Fund new contract with payments that ramp as revenue comes online.
Typical funding: $15K-$50K
Growth Capital
Expansion capital with payments that track growing revenue.
Typical funding: $20K-$75K
Vehicle Purchase
Service vehicle financed with revenue-aligned payments.
Typical funding: $20K-$45K
Marketing Push
Fund marketing. Pay for it through the revenue it generates.
Typical funding: $5K-$25K
Seasonal Bridge
Capital during slow periods with payments that adjust down.
Typical funding: $10K-$35K
Revenue-Based vs. Fixed Payment Options
Understanding why revenue-based works for cleaning.
| Feature | Revenue-Based | Fixed Term Loan | Bank Loan |
|---|---|---|---|
| Payment Structure | % of deposits | Fixed monthly | Fixed monthly |
| Revenue Adjustment | Automatic | None | None |
| Seasonal Adjustment | Automatic | None | None |
| Speed | 24-72 hours | 1-3 weeks | 30-60 days |
| Credit Focus | Deposits | Mixed | Credit score |
| Best For | Variable revenue | Stable revenue | Strong credit/time |
Revenue-Based Requirements
Qualification focuses on deposit patterns and operational stability.
Business Deposits
Consistent deposits from contract payments.
$10,000+ monthly deposits
Business History
Established cleaning business with operations history.
6+ months preferred
Deposit Patterns
Regular deposits showing operational consistency.
Consistent patterns
Business Bank Account
Business checking showing deposit history.
4+ months statements
No Active Bankruptcy
Cannot be in active bankruptcy.
No open BK
Active Operations
Currently operating with active contracts.
Active cleaning business
Revenue-based financing emphasizes deposit patterns over credit scores. Strong contract revenue supports approval.
Real Results
Crystal Clear Cleaning
Commercial Cleaning, Arizona
The Challenge
Crystal Clear had seasonal variation with $35,000 summer deposits but $22,000 in winter. Fixed loan payments of $2,500 were comfortable in summer but tight in winter.
The Solution
Revenue-based financing for $40,000 at 8% of deposits. Summer payments averaged $2,800. Winter payments dropped to $1,760 automatically.
The Result
Financing repaid primarily during strong months. Winter cash flow stress eliminated. Crystal Clear has used revenue-based for two equipment purchases.
“Summer is 60% busier than winter. Revenue-based means we pay 60% more in summer when it's easy. Winter payments drop automatically.”
Cleaning Revenue Data
Statistics illustrating cleaning revenue patterns.
Why Cleaning Businesses Choose Revenue-Based
Advantages of deposit-based financing.
Automatic Adjustment
No need to request payment changes. Structure handles variation automatically.
Slow Period Relief
Seasonal slowdowns mean proportionally lower payments.
Contract Timing Flex
New contract ramp or lost contract adjusts payments automatically.
Growth Alignment
Growing revenue means comfortable accelerated repayment.
Stress Reduction
No worrying about hitting fixed amounts during slow periods.
Simple Structure
Percentage of deposits. Easy to understand and predict.