Funding for Raleigh-Durham Janitorial & Facility Services Companies

The Triangle's B2B cleaning economy

The Research Triangle Park alone houses 300+ companies and 60,000+ employees across pharma, software, and biotech. Add Duke, NC State, and UNC, plus the corporate campuses in Cary and Morrisville, and Raleigh-Durham has one of the densest commercial cleaning markets in the Southeast.

The growth opportunity is real. So is the cash flow challenge. Commercial cleaning contracts run on 30-60-90 day net terms. When you win a multi-building account with a five-figure monthly value, you need equipment, supplies, and a crew on day one — but the first invoice doesn't clear until day 60.

Where MCA fits this exact problem

A merchant cash advance buys a portion of your future business deposits at a factor rate between 1.15 and 1.45. Repayment is a fixed small daily or weekly ACH debit until the obligation is met — typically six to twelve months for a $25K to $100K position.

The use case is direct: sign the contract Monday, advance lands Wednesday, equipment and supply purchase Thursday, crew onboarded by next Monday. By the time the first invoice goes out at day 30, you're already three weeks ahead of where you'd be otherwise.

Numbers for the Triangle

A small commercial cleaner pulling $40K to $80K/month in deposits typically qualifies for $25K to $50K. Factor 1.25 to 1.35, six to nine month repayment.

A mid-sized facility services company with $150K to $300K/month can move into $80K to $200K. Factors tighten to 1.20 to 1.28 with that consistency. Most common use: ramp-up capital for a new commercial account or adding a second crew to handle a 24-hour campus contract.

Why MCA fits better than a bank line here

Banks underwrite on tax returns and personal credit. Most commercial cleaning companies — especially ones still scaling — show modest taxable income because the owner is reinvesting. Bank underwriting punishes that.

MCAs underwrite on bank deposits. If your deposits look strong and consistent, you qualify. Six months in business, $10K+/month in deposits, 500 FICO floor. The decision is binary on the numbers, not on the financial-statement narrative.

Why Commera

Commera is a broker. We send your file across a panel of MCA funders and bring back the best terms. For janitorial companies that often see deposits cluster monthly (when net-30 and net-60 invoices clear), the right funder weighs that pattern correctly and doesn't penalize you for it.

We don't charge applicants — we're paid by the funder after close. If your situation is better served by AR financing against your invoices rather than an MCA, we'll route you that way instead.

What you'll need to apply

• Three months of business bank statements (PDFs from the bank's portal — not screenshots)
• Driver's license, front and back
• Voided business check from the operating account
• EIN (sole proprietors enter SSN where prompted)

About 5 minutes for pre-qual. Full underwriting takes another 6 minutes after that.