Business loans for cleaning
You invoice on completion. Your commercial client pays in 45 days.
Finance for Australian cleaning businesses carrying labour costs, equipment, and chemicals while waiting on commercial payment terms that don't reflect when the work was done.
Apply now
2 minutes · No credit check · Free
Overview
Why cleaning businesses choose Avoir
Commercial cleaning is an industry built on the gap between service delivery and payment. You roster staff, buy chemicals, maintain equipment, and manage a fleet — all before a single invoice is settled. Your commercial contracts pay 30–60 days after the service period ends. Meanwhile your staff expect weekly wages, your vehicle repayments run monthly, and your chemical and consumable costs are front-loaded at the start of every contract period. Avoir connects Australian cleaning businesses to lenders who understand service-based revenue, commercial payment terms, and the working capital requirements of labour-intensive operations.
A cleaning business with $1.2 million in contracted annual revenue and 45-day payment terms is carrying roughly $150,000 of work-in-progress at any given time. That's real working capital pressure — and it gets worse when you win a new contract that requires immediate equipment investment and staffing before the first invoice is even submitted. Lenders in Avoir's network assess cleaning businesses on their contracted revenue, payment history, and operating structure — not just what the bank account looks like mid-cycle. Whether you're bridging a commercial payment delay, funding equipment for a new contract, or managing payroll while waiting on a large client to settle, a specialist will advise on available options.
Key features
Contract start-up costs
Fund the equipment, chemicals, uniforms, and staff onboarding needed to start a new cleaning contract before revenue begins.
Equipment and machinery
Commercial vacuum cleaners, floor scrubbers, pressure washers, and specialist cleaning equipment funded without disrupting cash flow.
Working capital
Bridge the gap between completing cleaning jobs and receiving payment — particularly relevant for commercial cleaning with 30–60 day terms.
Residential and commercial
Both residential cleaning businesses and commercial cleaning contractors are eligible. All scale of operations welcome.
Eligibility
Do I qualify?
Commercial cleaning, residential cleaning, and specialist cleaning businesses with 12+ months of operating history are typically eligible to apply. Contract-based and invoice-based revenue structures are specifically accommodated. A specialist will review your profile.
Process
How it works
Apply in 2 minutes
Complete our short online form with basic details about your business and what you need. No credit check, no documents required at this stage.
We match your profile
Your enquiry is assessed and matched to the most suitable lending partners in our network based on your business profile, loan amount, and purpose.
Receive your offer
A specialist contacts you within 2 hours with tailored options. They will walk you through available terms and answer any questions.
Funds in your account
Once you accept an offer and provide the lender's required documentation, funds are typically transferred within 24 hours.
FAQ
Common questions
Everything you need to know about getting a business loan. Can't find the answer you're looking for? Apply and a specialist will answer your questions directly.
Apply now →Can a sole trader cleaner get a business loan?
Yes. Sole traders with an ABN, 12+ months of trading, and consistent revenue are eligible. No company structure required.
Can I use a loan to buy cleaning equipment?
Yes. Equipment purchase is a common use for cleaning business loans in our network.
Can I get a loan to start a new commercial cleaning contract?
Yes. Contract start-up financing is specifically understood by lenders in our network. The value of a contract is taken into context.
Do I need property as collateral?
No. Unsecured cleaning business loans are available based on your cash flow and trading history.
How much can a cleaning business borrow?
Most cleaning businesses in our network access between $10,000 and $300,000 depending on annual revenue and contract value.
Are industrial cleaning businesses eligible?
Yes. Industrial, commercial, and specialist cleaning businesses are all eligible to apply.
Ready to apply?
Win the contract. Don't wait on the capital to service it.
Two minutes to apply. No credit check. A specialist will be in touch within two hours.
NO COLLATERAL
NO CREDIT CHECK
2 MIN APPLICATION