Working capital, built for cleaning business

Win the contract, cover the crew

Crews and supplies get paid weekly; the commercial contract pays net-60 — and you just won two more accounts.

We review on recurring-contract deposits and bank activity, with net-30/60 receivables in mind.

Recurring contracts count
Residential & commercial
Net-30/60 receivables in mind

You may qualify. Approval depends on underwriting. No obligation to accept an offer.

What happens after you check

Reviewed on revenue & bank activity
Share 3–4 months of statements if it looks viable
A specialist follows up — no obligation

Recurring contracts countResidential & commercialNet-30/60 receivables in mind

Sound familiar?

Crews get paid weekly. The contract pays net-60.

Win a big commercial account and the work starts immediately — but the payment terms mean you carry the crew and supplies in the meantime.

Crews and supplies get paid weekly, but your commercial contracts pay net-30 or net-60 — and you just won two more accounts.

With capital in place, you cover payroll and supplies now and let the receivables clear on their own terms instead of yours.

Onboarding a new account means equipment and supplies up front, long before that contract's first check arrives.

With working capital ready, you take on the account and gear up immediately instead of slow-walking the start.

A new route would grow the business, but a vehicle and crew cost cash the current contracts are already spoken for.

With funding behind you, you expand the service area without straining the accounts already on the books.

You may qualify on your recurring-contract deposits and bank activity, net-term gaps included. No obligation, and any payments are built to fit your cash flow.

60-second cash-flow stress test

How would your cash flow handle a bad week?

Use your average monthly deposits. Four questions for a live range and readiness. Six quick taps — no credit pull, and nothing is saved until you choose to continue. You'll see exactly where your cash flow is exposed, and what to do about it.

Not a commitment to lend or a bank loan. Approval depends on underwriting and is not guaranteed. Full disclosures.

Common uses

What cleaning business owners use working capital for

Equipment & supplies

Buy equipment and supplies to take on more accounts.

Crew payroll

Keep crews paid while invoices are outstanding.

Vehicles

Add a vehicle to expand your service area.

Bridge net-30/60

Cover the gap on commercial contracts with longer terms.

Onboard new accounts

Win and onboard larger recurring contracts.

Funding options

One conversation. The funding option that actually fits.

There's no single right way to fund a business — it depends on what the money is for and how you get paid. A funding specialist reviews your file and matches you to the option that fits your cash flow, starting with the one most small businesses reach for first.

Working Capital Advance

Business Line of Credit

Best when the need is recurring and you want to draw and repay as cash flow moves.

A revolving limit you draw from when you need it and pay down when you don't, so capital is there for the next gap without reapplying. You only carry what you actually use; access and terms depend on underwriting.

Term Loan

Best when you have a defined, one-time use and want a predictable monthly payment.

A fixed amount repaid over a set term in predictable payments — straightforward to plan around for a specific project or purchase. Amount and term depend on underwriting and the strength of the file.

Equipment Financing

Best when you're buying equipment — new or used — and want to preserve cash.

Finance the truck, oven, chair, or machine so you can put it to work now while keeping cash free for payroll and the day-to-day. The equipment itself typically anchors the deal; new and used both qualify, subject to underwriting.

Invoice Factoring

Best when capital is tied up in unpaid invoices and you can't wait on net-30/60.

Turn outstanding invoices into cash now instead of waiting weeks for customers to pay, so a slow-paying client doesn't stall payroll or your next job. Availability is based on your receivables and your customers' credit, subject to review.

FundVella is not a lender. We connect business owners with funding specialists who review your file and match you to available options. A factor rate is not an APR. You may qualify; approval depends on underwriting, payments must fit your cash flow, and there's no obligation to accept an offer.

What we look at

How files are reviewed

Reviews are based on business revenue and bank activity — not a single number. Here's what tends to matter most.

Recurring contracts

Consistency of recurring-contract deposits month to month.

Receivable terms

Net-30/60 timing on commercial accounts is expected.

Crew & supply costs

How weekly payroll and supply costs line up against deposits.

We factor recurring-contract revenue and net-term receivables.

Is this a fit?

Good fit vs. may need a closer look

A “may need review” doesn't mean no — it just means a specialist will look closer.

Often a good fit

May need review

Time in business: 6+ months operating
Time in business: Brand new / under 3 months
Monthly deposits: Recurring-contract revenue
Monthly deposits: One-off jobs only
Bank activity: Holds through net-30/60
Bank activity: Frequent NSFs / negative days
Existing advances: None or one manageable
Existing advances: Multiple stacked advances
Statements: 3–4 months ready
Statements: Can't share statements

How it works

Three steps, no surprises

1
Complete a quick prequalification
Answer a few questions about your business. About two minutes, no obligation.
2
Share recent bank statements if the file looks viable
If the basics line up, share 3–4 months of business bank statements for a proper review.
3
Review available options if underwriting supports the file
A funding specialist may contact you to review options. Approval depends on underwriting.

Secure submission

Your details are sent over an encrypted connection.

Reviewed by a specialist

A real funding specialist reviews your file — not an instant algorithm.

Revenue-first review

Files are weighed on revenue and bank activity, not credit alone.

No obligation

Prequalifying doesn't obligate you to accept any offer.

Questions

Frequently asked

My commercial accounts pay net-30/60 — does that matter?

It's expected. Underwriting understands net-term receivables in commercial cleaning and reviews your deposit pattern over time, so the gap doesn't automatically hurt the file.

Can I fund payroll while waiting on invoices?

Yes — bridging crew payroll and supplies while receivables clear is a common use. Amounts depend on underwriting and your deposit history.

How much funding could my business qualify for?

It depends on underwriting — amounts are based on your revenue, bank activity, time in business, and existing obligations. A specialist reviews your file to find a range.

Business revenue & deposits
Time in business
Bank activity & existing obligations

What do I need to get started?

Just a quick prequalification. If the file looks viable, recent business bank statements (usually 3–4 months) help move it forward.

Will checking my readiness affect my credit?

Starting a prequalification doesn't trigger a hard credit check. Options are reviewed mainly on business revenue and bank activity; credit is considered, but it isn't the only factor.

Is there any obligation?

None. Submitting your information doesn't obligate you to accept an offer, and any payments must fit your cash flow. A specialist may contact you to review your inquiry.

See what you may qualify for

Start a quick prequalification based on your revenue and bank activity.