Janitorial factoring

Pay your cleaning crews while property managers pay late.

Your crews get paid every week. Property managers and facilities pay monthly invoices on 30 to 60-day terms, often late. We match your cleaning company with a factoring partner that covers the gap, free to you.

Free to youAbout 2 minutes to startDocuments only after the call
Commercial cleaningOffice buildingsIndustrial facilitiesSchools and campusesGovernment buildingsFloor careDay porter servicesFacility servicesFree to you

Who it's for

Built for cleaning companies that bill on terms.

Janitorial and commercial cleaning for property managers, offices and facilities.

Company size

20 to 500 employees

Established companies with crews on contracts every week.

Monthly invoicing

$50K or more a month

Billed to businesses or government agencies.

Your customers

Property managers and facilities

Usually paying monthly invoices on 30 to 60-day terms.

How factoring fits your cycle

Invoice the month, get an advance, then the rest when the client pays.

You send your monthly invoice as usual. The factoring partner advances up to 90% of it. When the client pays, you receive the rest, minus the factor's fee.

  • Fund as you bill. Crew payroll stops waiting on a property manager's payment run.
  • Take on the next building without stretching your cash.
  • Factors look mainly at your clients' credit, not yours.
Week 1Crews start on a new building. Payroll goes out every week.
Week 4You send the monthly invoice on net 45. The factor advances up to 90%.
Week 11The client pays, late. You receive the balance, minus the fee.

Illustrative timeline, not an offer. Your funding partner sets the actual advance, fee and timing.

Before the call

Four things we check first.

No documents yet. Factors collect them securely after the call.

1

Monthly invoicing

How much you bill businesses or government each month.

2

Payment terms

How long your customers usually take to pay.

3

Payroll taxes

Current, or on an IRS payment plan.

4

Current factor

Who you factor with today, if anyone, and when that contract ends.

See your factoring options

FAQ

Questions cleaning company owners ask us

We bill monthly. Does factoring still work?

Yes. You factor each monthly invoice when you send it, so you get an advance without waiting out the full payment term.

Can I factor only some contracts?

Many factoring programs let you choose which clients to factor. We tell you which partners allow it before you choose an offer.

Will my clients know I use factoring?

Usually, yes. With most programs your clients get a notice to pay the factor directly. Some partners offer quieter arrangements; we tell you which ones.

See all questions

Make crew payroll on your schedule.

One short form, about 2 minutes. Free to you, no obligation.

See your factoring options