SBA Loans To Buy A Cleaning Business
In FY2026, SBA lenders made 70 loans totaling $36.0 million to buy existing cleaning and janitorial businesses, an average of $514K per acquisition. Buy a cleaning business with as little as 10% down. We take your deal to the SBA lenders that fit, from our network of 50+, and it costs you nothing.
Based on SBA 7(a) data through September 30, 2026. Acquisition loans are SBA 7(a) loans to businesses recorded as a change of ownership.
The Cleaning Business Acquisition Market
Landscaping, cleaning, pest control and other property services are popular acquisitions because revenue repeats on contracts and routes. Lenders look at recurring contract revenue, route density, crew stability and seasonality.
Commercial janitorial contracts renew monthly, and residential cleaning runs on recurring visits. Lenders review contract terms, crew turnover and the largest accounts.
Acquisitions made up 26.2% of all SBA 7(a) dollars lent to cleaning and janitorial businesses in FY2026, compared with 27.4% across all industries. Most SBA lending in this industry goes to expansions, real estate, refinancing or startups, so it matters to choose a lender that underwrites acquisitions often. The average acquisition loan was $514K, about 58% below the $1.2M average for business acquisitions nationally. Across every purpose, lenders made 564 SBA 7(a) loans for $138 million in the industry, with an average loan of $244K and a median of $142K.
28% of those loans went to startups or businesses under two years old and 21% to franchises. The most financed franchise brands were Molly Maid, Two Maids & a Mop and Fish Window Cleaning Services. By dollars, California, Florida and Texas led the industry. Loan count was down 25% from FY2025, partly because FY2026 had no October 2025 approvals during the federal shutdown, so it covers about 11 months. Cleaning and janitorial businesses rank #19 of the 77 industries in our buy a business by industry guide by number of acquisition loans.
Based on SBA 7(a) data through September 30, 2026.
SBA Loans In This Industry By Size
All SBA 7(a) loans to cleaning and janitorial businesses, FY2026.
What It Costs To Buy A Cleaning Business
There is no single price for a cleaning business. The loan follows the cash flow. The most common SBA loan size in this industry was under $150K, while the most dollars went to loans of $350K to $1M. Acquisition loans ran larger than the industry average of $244K because they finance goodwill as well as equipment, inventory and working capital.
At the industry’s average acquisition loan of $514K, and a loan covering 90% of the project, the typical total project is about $571K, which includes the purchase price, working capital and closing costs. 8 loans in the industry, 16% of the dollars, were between $2 million and $5 million.
What you can borrow is set by earnings, not the asking price. SBA requires the business’s cash flow to cover all debt payments at least 1.25 times for an acquisition, measured on historical results. An independent business valuation must support the price on purchases above $350,000; if the price is higher than the valuation, the gap is filled with more buyer cash or a seller note on full standby.
Larger deals carry extra steps. When the Business Purchase Price, not counting real estate, is $3 million or more, SBA requires a Quality of Earnings report. The SBA 7(a) loan tops out at $5 million, and bigger purchases pair it with a conventional loan in a pari passu structure.
How Much You Need Down To Buy A Cleaning Business
SBA requires a Down Payment of at least 10% of the total project cost on the purchase of a business, and the lender cannot reduce or waive it. You do not have to bring all of it in cash.
Up To Half From The Seller
A seller note can count for up to half of the Down Payment if it is on full standby, with no principal or interest payments for the life of the SBA loan. That means as little as 5% from you.
Your Savings, Gifts Or Retirement Funds
Cash that is not borrowed counts, including gifts and money from retirement accounts. Many of our buyers use a retirement funds structure.
Investors
Minority investors can fund part of the Down Payment. Anyone who owns 20% or more of the buyer personally guarantees the loan.
Example: A Cleaning Business At The Industry Average
| Total project (price, working capital, closing costs) | $571,000 |
| Down Payment (10%) | $57,000 |
| From the seller (note on full standby, max half) | Up to $29,000 |
| From you (cash, gifts, retirement funds, investors) | From $29,000 |
| SBA loan | About $514,000 |
Built from the $514K average acquisition loan for cleaning and janitorial businesses in FY2026. Based on SBA 7(a) data through September 30, 2026. Illustration only; your lender sets the final structure, and some lenders ask for more than 10%.
Get A Pre-Qualification Letter Before You Make An Offer
Sellers and brokers move faster with buyers who can show they are financeable. Our letter takes a few minutes to request.
What Lenders Look For In Cleaning And Janitorial Businesses
Commercial janitorial contracts renew monthly, and residential cleaning runs on recurring visits. Lenders review contract terms, crew turnover and the largest accounts. Beyond the industry specifics, every SBA acquisition is judged on the same core questions.
Recurring Contracts
Maintenance contracts, monthly service plans and route revenue are worth more than one time jobs.
Customer Spread
Many residential customers or a balanced commercial book read better than a few large accounts.
Crew Stability
Labor is the main cost. Lenders look at turnover, wages and how work is scheduled.
Equipment And Trucks
Vehicles and equipment are needed every day. Lenders check age and condition.
Seasonality
Landscaping and snow work swing with the seasons. Lenders want cash flow to cover slow months.
Cash Flow That Covers The Loan
SBA sets the minimum at 1.25 times the debt payments for an acquisition, using the last fiscal year or the average of the last two. Projections can be reviewed but cannot be relied on to meet it.
Lenders also look at you: management experience that fits the business, personal credit, and current taxes and debts. Owners of 20% or more of the buyer personally guarantee the loan.
What To Check Before You Buy A Cleaning Business
Due diligence protects your Down Payment and speeds up underwriting, because lenders ask for most of this anyway. Start these items as soon as your letter of intent is signed.
How Cleaning Business Acquisitions Are Structured
Every SBA acquisition follows SOP 50 10 8.1, the SBA rulebook in effect for applications from October 1, 2026. Within those rules, the structure is built around the business’s cash flow, the seller’s goals and how much cash you want to keep.
10% Down, Part From The Seller
Most cleaning business deals combine buyer cash with a seller note. A seller note on full standby counts for up to half of the 10% Down Payment; a note that is paid during the loan must fit the cash flow alongside the SBA payment.
10-Year Term, 25 For Real Estate
The business portion repays over up to 10 years with no balloon. Real estate bought with the business can run up to 25 years, in a blended loan or a separate one.
Seller Notes Are Common
Owners of route and contract businesses often carry a seller note. On full standby it can cover up to half of the 10% Down Payment, so the buyer brings as little as 5%.
Working Capital Line
Many buyers add an SBA Express or other line of credit at closing, so the business has cash for payroll, inventory and receivables from the first day.
Quality Of Earnings At $3M
When the Business Purchase Price, not counting real estate, is $3 million or more, the lender needs an independent Quality of Earnings report in addition to the business valuation.
Above $5M: Pari Passu
The SBA 7(a) loan is capped at $5 million. Larger acquisitions pair it with a conventional loan that shares the collateral equally, with the same 10% Down Payment on the total project.
The seller cannot stay on as an owner or employee, but can consult for up to 24 months to hand over customers, staff and know-how.
Recent Deals We Closed In This Industry And Related Ones
Real loans GoSBA placed. Borrower and lender names are kept private. GoSBA funded $320M across 126 loans in 2025, working with 50+ lenders.
Residential Exterior Cleaning Company
Investor-backed 10% down + amortizing seller note
Commercial Landscaping, Snow Removal & Mulch Supply Company
Investor-backed 5% down + 5% seller note on full standby
Landscaping, Snow Removal & Hardscape Contractor
10% down + seller note on full standby
Residential Landscaping Company
5% down + three seller notes, one on full standby
Landscape Design And Property Care Company
5% down + 5% seller note on full standby + amortizing seller note
Tree Service & Land Clearing Company
17.5% down + seller note on full standby
Top SBA Lenders For Cleaning Business Acquisitions
Among the 15 largest SBA lenders to cleaning and janitorial businesses by dollars in FY2026, these made the most acquisition loans. The best lender for you depends on deal size, your experience and the structure, which is why we take each deal to the lenders that fit.
| Lender | Headquarters | Acquisition Loans | All Loans In Industry |
|---|---|---|---|
| The Huntington National Bank | Columbus, OH | 17 | 39 |
| Live Oak Banking Company | Wilmington, NC | 10 | 24 |
| TowneBank | Portsmouth, VA | 4 | 8 |
| Manufacturers and Traders Trust Company | Buffalo, NY | 4 | 36 |
| Newtek Bank | Miami, FL | 3 | 59 |
| Quaint Oak Bank | Southampton, PA | 2 | 2 |
| Readycap Lending | Berkeley Heights, NJ | 2 | 23 |
Based on SBA 7(a) data through September 30, 2026. See the full ranking of SBA lenders for cleaning and janitorial businesses
How It Works With GoSBA
One team from pre-qualification to closing. You never pay us; the lender does, after closing.
Get Pre-Qualified
Request a pre-qualification letter so sellers and brokers take your offer seriously. It takes a few minutes.
Send Us The Deal
Once you have a business in mind, share the listing or letter of intent and the seller’s financials.
Lenders Compete
We package the deal and take it to the SBA lenders that fit, from our network of 50+. You choose the best offer.
Close With Us
We handle lender questions, third party reports and the closing checklist until the loan funds.
Documents You Will Need
Lenders ask for the same core package on every acquisition, plus a few items specific to cleaning and janitorial businesses. We help you gather anything missing and send it to lenders in one clean package.
- Signed letter of intent or purchase agreement
- The business’s last 3 years of tax returns
- Year-to-date profit and loss statement and balance sheet
- Customer list with contract terms and revenue
- Route or schedule reports
- Vehicle and equipment list
- Your last 3 years of personal tax returns
- Personal financial statement and resume
- Proof of your Down Payment funds
What Buyers Say
Early in my search they quickly provided a strong SBA pre-qualification letter that helped me stand out with sellers.
Many a loan broker couldn’t get our deal over the line but Ishan said he could and he delivered 110%.
Frequently Asked Questions
How much do I need down to buy a cleaning business?
At least 10% of the total project cost, and SBA does not allow the lender to waive it on a business purchase. Up to half can be a seller note on full standby. At the industry’s average acquisition loan of $514K, that is a Down Payment of about $57K, with as little as $29K from you.
How big an SBA loan can I get to buy a cleaning business?
An SBA 7(a) loan goes up to $5 million, and larger deals add a conventional loan in a pari passu structure. In FY2026 lenders made 70 acquisition loans to cleaning and janitorial businesses, averaging $514K. Your amount is set by the business’s cash flow and an independent valuation.
How do lenders handle seasonal property service businesses?
They look at full year cash flow over several years, not the busy months. Adding a working capital line of credit at closing is common so payroll is covered in the off season.
Can the seller stay on after I buy a cleaning business?
Not as an owner or employee. The seller can work as a consultant for up to 24 months in total to transition customers, staff and know-how, and often carries part of the price as a seller note.
Which lenders finance cleaning business acquisitions?
In FY2026, The Huntington National Bank, Live Oak Banking Company and TowneBank were among the most active acquisition lenders in this industry. The right lender depends on the size of the deal, your experience and the structure. We take your deal to the lenders that fit from our network of 50+.
What does GoSBA cost?
Nothing. We are paid by the lender after your loan closes, not by you.
Buy A Business In A Related Industry
Keep reading: SBA Business Acquisition Loans · SBA Pari Passu Loans · Buying A Business Guide · Best SBA Lenders For Cleaning And Janitorial Businesses · Closed Deals · Pre-Qualification Letter · All Industries
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