BlogRankingIndustryBest Janitorial & Cleaning Services SBA Lenders of 2026

Best Janitorial & Cleaning Services SBA Lenders of 2026

February 2, 2026
Industry, Ranking
5 min read

Best Janitorial & Cleaning Services SBA Lenders of 2026

$160.2M
Total Funded

658
Loans Approved

$243K
Avg Loan Size

10.44%
Avg Interest Rate

114
Active Lenders

SBA Loans for Janitorial & Cleaning Services Businesses

The Janitorial & Cleaning Services industry received $160.2M in SBA 7(a) loans across 658 businesses in 2025. With 114 lenders actively funding this industry, finding the right bank can make a significant difference in your rates and approval odds.

Working with an experienced SBA loan broker who understands the Janitorial & Cleaning Services industry can help you access lenders that specialize in your business type.

💡 Key Insight: The average SBA loan for Janitorial & Cleaning Services businesses is $243K with an average rate of 10.44%. Lenders who specialize in this industry often offer better terms and faster approvals.

SBA Loans by Business Type

Here’s how SBA 7(a) loans break down for Janitorial & Cleaning Services businesses by business stage:

🚀 Startups
36%
$48.7M • 235 loans

🏢 Existing Businesses
55%
$73.6M • 362 loans

🔄 Business Acquisitions
9%
$37.0M • 58 loans

Top 50 SBA Lenders for Janitorial & Cleaning Services (2025)

These are the banks that funded the most SBA 7(a) loan volume to Janitorial & Cleaning Services businesses, ranked by total volume:

Rank Lender Volume Loans Avg Rate
1 The Huntington National Bank $9.8M 58 9.98%
2 Northeast Bank $9.6M 61 10.77%
3 Newtek Bank, National Association $9.6M 32 10.92%
4 United Midwest Savings Bank National Association $8.4M 46 10.19%
5 TD Bank, National Association $7.8M 43 10.30%
6 Live Oak Banking Company $7.4M 18 9.50%
7 First Bank of the Lake $5.9M 24 10.71%
8 Climate First Bank $5.5M 4 10.06%
9 Colony Bank $5.1M 3 9.83%
10 First Internet Bank of Indiana $5.1M 6 10.13%
11 Bank of America, National Association $3.6M 12 9.03%
12 Readycap Lending, LLC $3.5M 14 11.43%
13 BayFirst National Bank $2.9M 20 12.03%
14 U.S. Bank, National Association $2.7M 39 10.24%
15 Bank7 $2.7M 1 9.00%
16 JPMorgan Chase Bank, National Association $2.7M 15 12.13%
17 Celtic Bank Corporation $2.6M 15 10.55%
18 Pathward National Association $2.6M 1 9.00%
19 First Savings Bank $2.4M 2 10.13%
20 Magnifi Financial CU $2.3M 11 10.07%
21 Harvest Small Business Finance, LLC $2.3M 3 10.25%
22 Citizens Bank $2.2M 7 10.25%
23 City National Bank $2.0M 1 6.50%
24 Johnson Bank $1.8M 2 8.00%
25 CFBank National Association $1.8M 2 7.75%
26 Lendistry SBLC, LLC $1.7M 10 12.20%
27 Manufacturers and Traders Trust Company $1.6M 30 12.12%
28 KeyBank National Association $1.4M 3 9.83%
29 Cadence Bank $1.4M 7 10.25%
30 Grasshopper Bank National Association $1.4M 3 11.00%
31 Zions Bank, A Division of $1.2M 12 10.57%
32 Meridian Bank $1.2M 2 9.63%
33 Jewett City Savings Bank $1.1M 1 8.50%
34 First Business Bank $1.0M 2 10.25%
35 Truliant FCU $1.0M 1 10.25%
36 1st Colonial Community Bank $1.0M 2 9.38%
37 Banc of California $1.0M 1 7.00%
38 Banner Bank $989K 3 9.50%
39 CenTrust Bank, A Division of SmartBiz Bank National Associat $963K 6 11.42%
40 CalPrivate Bank $956K 1 9.75%
41 Capital Bank, National Association $946K 3 9.00%
42 Enterprise Bank & Trust $941K 2 7.50%
43 Bank of Hope $933K 3 9.33%
44 BMO Bank National Association $901K 1 5.39%
45 Community Bank & Trust-West Georgia $889K 1 10.25%
46 Union Bank and Trust Company $880K 1 7.99%
47 Mission Valley Bank $855K 2 10.25%
48 Eastern Bank $855K 16 9.99%
49 Wells Fargo Bank National Association $834K 8 12.13%
50 St. Louis Bank $780K 1 10.25%

🚀 Best Lenders for Janitorial & Cleaning Services Startups

Starting a new janitorial services business? These lenders funded the most startup loans in this industry:

Rank Lender Startup Volume Loans Avg Rate
1 United Midwest Savings Bank National Association $7.7M 44 10.19%
2 The Huntington National Bank $6.0M 41 10.05%
3 First Bank of the Lake $5.2M 19 10.00%
4 TD Bank, National Association $4.5M 15 9.83%
5 Pathward National Association $2.6M 1 9.00%
6 Citizens Bank $2.2M 7 10.25%
7 Magnifi Financial CU $2.0M 9 10.03%
8 CFBank National Association $1.8M 2 7.75%
9 Northeast Bank $1.2M 8 11.06%
10 Meridian Bank $1.2M 2 9.63%

🔄 Best Lenders for Janitorial & Cleaning Services Acquisitions

Looking to buy an existing janitorial services business? These lenders specialize in acquisition financing:

Rank Lender Acquisition Volume Loans Avg Rate
1 Climate First Bank $5.5M 4 10.06%
2 Live Oak Banking Company $4.8M 10 9.45%
3 First Internet Bank of Indiana $4.2M 5 10.15%
4 Colony Bank $2.8M 2 9.88%
5 The Huntington National Bank $2.2M 4 9.63%
6 First Savings Bank $1.9M 1 10.50%
7 Johnson Bank $1.6M 1 7.50%
8 Jewett City Savings Bank $1.1M 1 8.50%
9 Truliant FCU $1.0M 1 10.25%
10 BayFirst National Bank $892K 2 10.00%

🏢 Best Lenders for Existing Janitorial & Cleaning Services Businesses

Already running an established janitorial services business? These lenders have funded the most loans to existing businesses in your industry:

Rank Lender Volume Loans Avg Rate
1 Newtek Bank, National Association $9.2M 31 10.94%
2 Northeast Bank $8.4M 53 10.73%
3 Bank of America, National Association $3.3M 11 9.28%
4 TD Bank, National Association $3.2M 28 10.55%
5 Bank7 $2.7M 1 9.00%
6 JPMorgan Chase Bank, National Association $2.7M 15 12.13%
7 Colony Bank $2.3M 1 9.75%
8 Harvest Small Business Finance, LLC $2.3M 3 10.25%
9 Live Oak Banking Company $2.2M 4 9.68%
10 City National Bank $2.0M 1 6.50%

Top States for Janitorial & Cleaning Services SBA Loans

Here are the states with the highest SBA lending volume for Janitorial & Cleaning Services businesses:

Rank State Volume Loans
1 California $22.0M 74
2 Florida $17.9M 77
3 Texas $16.2M 45
4 New York $8.4M 38
5 Georgia $8.1M 27
6 Alabama $7.0M 7
7 Tennessee $6.4M 18
8 Arizona $6.1M 16
9 Pennsylvania $5.1M 22
10 Minnesota $4.9M 20
11 Virginia $4.7M 20
12 Ohio $4.4M 20
13 South Carolina $4.4M 14
14 Washington $3.8M 16
15 Wisconsin $3.6M 15
16 North Carolina $3.4M 14
17 New Jersey $3.0M 26
18 Indiana $2.9M 13
19 Connecticut $2.6M 12
20 Massachusetts $2.5M 21
21 Nevada $2.3M 14
22 Illinois $2.2M 12
23 Oregon $1.9M 8
24 Maryland $1.9M 24
25 Colorado $1.9M 7
26 Missouri $1.4M 7
27 Idaho $1.4M 9
28 Utah $1.3M 7
29 Kansas $1.3M 5
30 Nebraska $1.2M 2
31 Montana $980K 6
32 Michigan $926K 9
33 Maine $775K 5
34 Wyoming $626K 2
35 Louisiana $538K 5
36 New Hampshire $530K 5
37 Kentucky $505K 4
38 Iowa $432K 4
39 Mississippi $302K 2
40 Hawaii $190K 2
41 Delaware $125K 2
42 Rhode Island $85K 1
43 Arkansas $78K 1

Top Cities for Janitorial & Cleaning Services SBA Loans

Austin, Tx

$6.2M
Volume

9
Loans

Nashville, Tn

$3.3M
Volume

6
Loans

Birmingham, Al

$3.2M
Volume

1
Loans

Deer Park, Ny

$3.1M
Volume

1
Loans

San Antonio, Tx

$3.1M
Volume

3
Loans

Phoenix, Az

$2.8M
Volume

6
Loans

Miami, Fl

$2.7M
Volume

8
Loans

Opelika, Al

$2.3M
Volume

1
Loans

Lagrange, Ga

$2.1M
Volume

1
Loans

Los Angeles, Ca

$2.1M
Volume

2
Loans

Oakland, Ca

$2.0M
Volume

1
Loans

Columbus, Oh

$2.0M
Volume

3
Loans

Berkeley, Ca

$2.0M
Volume

2
Loans

Greenville, Sc

$1.9M
Volume

4
Loans

Sebastopol, Ca

$1.9M
Volume

2
Loans

Alexandria, Va

$1.9M
Volume

7
Loans

🤝 Why Use an SBA Broker for Janitorial & Cleaning Services Loans?

GoSBA Loans has extensive experience financing Janitorial & Cleaning Services businesses:

  • Industry expertise — we know which lenders specialize in Janitorial & Cleaning Services
  • Access to 114+ lenders — including banks that don’t accept direct applications
  • Better rates — our relationships help secure competitive terms
  • Faster approvals — proper preparation leads to quicker decisions
  • Free service — lenders pay us, you pay nothing extra

📞 Get Expert Help with Your Janitorial & Cleaning Services SBA Loan

Our team specializes in SBA financing for Janitorial & Cleaning Services businesses. Let us match you with the right lender for your specific needs.

Need SBA financing for your Janitorial & Cleaning Services business? GoSBA Loans specializes in SBA loans for Janitorial & Cleaning Services businesses. Contact our industry specialists today for a free consultation.

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http://gosbaloans.com

Ishan Jetley is the owner of GoSBA Loans. I have assisted 100's of businesses with their business loans. I specialize in SBA financing for working capital, real estate and business acquisitions.

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