Business loans for commercial cleaning companies

Ardent Capital Group brings the same method to every client: execution and strategy, clear advice for smart lending, and long-term growth. That means the right lender, structure and timing, straight advice so you borrow with confidence, and today's deal built toward where you want to be tomorrow. We are specialists in helping business owners secure finance to purchase their own property, and we understand the complex structures that often sit around it, including multiple trusts, holding companies and self-managed super funds. Through that work we also understand what the business needs from its cash flow, and where an overdraft or line of credit fits for working capital. A cleaning company is payroll-heavy and asset-light, so a generalist bank desk sees weekly wages going out and few hard assets to secure against, and reads the risk conservatively. The value sits in your contract book and debtor ledger, and our job is to take the case to the bank and non-bank lenders, more than sixty across our panel, that lend on recurring contract revenue rather than on a yard full of plant. We stay on as you win larger tenders, expand the fleet and acquire, so the facility grows with the business. Every figure is subject to serviceability, lender appetite and approval.

It depends on how quickly you need it and what you are willing to offer as security. Unsecured facilities are assessed mainly on trading strength and can be arranged in days, which suits a payroll or working capital limit of $100K to $500K. Secured facilities, backed by property or plant, support larger amounts, and make sense once you are funding an acquisition or a major contract ramp. Most established operators end up with a mix, and we shape which sits where.

It depends on your trading, your structure and the purpose, but lending here commonly runs from $100K to well into seven figures, and our range extends to $100M for larger operators. Because cleaning is asset-light, lenders weigh the contract book and debtor ledger heavily rather than looking only for property. The binding constraint is usually serviceability rather than security, and we shape the funding early so you know your number before you commit.

Yes, and the equipment is normally the security rather than your property. Commercial vehicle finance covers vans and utes, while scrubbers, sweepers and pressure gear go on equipment facilities, new or used. Terms are typically matched to the life of the asset, and established businesses can often be assessed on bank statements and BAS rather than full financials. Funding the gear this way keeps your overdraft free for the payroll a new site brings.

By funding the start-up costs and the payroll that run before the client pays anything. Winning a contract means buying equipment, kitting out vehicles and hiring crews weeks before you can raise an invoice, and then waiting out 30 to 60 day terms on top. We size a facility to the mobilisation spend plus the first billing cycle, often blending an overdraft with invoice finance, and set it up before the start date. Bring us the contract and the ramp plan early, subject to serviceability and lender approval.

Yes. Many lenders assess established businesses on 6 to 12 months of bank statements and recent BAS rather than full year-end financials, which suits operators whose accounts lag a fast-growing contract book. It works best where the trading account shows regular payroll runs and client receipts and the ATO position is current. If you have a payment plan in place, say so early, because several lenders will still proceed when it is disclosed and being met.

Often, yes. A payroll-heavy business can find a PAYG or GST bill falling due in a slow-paying month, and we arrange facilities that bridge it where the trading supports the repayments. Several lenders will fund an ATO position, and some will refinance an existing payment plan into a single term loan, as long as it is disclosed and being met. The key is to raise it early rather than once the debt has aged, and we will show you which lenders take the most practical view.

Yes, and it is a commercial property deal rather than a working capital one. Buying a depot, workshop or base takes a rising rent out of your cost base and builds an asset alongside the business, and owner-occupiers can generally borrow a higher proportion than a passive investor would. Your trading and the property are assessed together, and getting the contract revenue presented properly is most of the work. Our commercial property team handles these end to end through our commercial cleaning property finance service.

Yes, and it is one of the most useful facilities in this sector. Invoice or debtor finance advances a large part of each invoice as soon as you raise it, so you are not funding weekly wages out of pocket while a blue-chip or government client works through 60 day terms. The facility scales with your billing, so it grows as you win contracts rather than capping at a fixed limit. It sits well alongside an overdraft, and we structure the two so they cover different parts of the cycle.

Most of the time, no. We are paid a commission by the lender once your facility settles. Where a deal requires significant preparation or involves unusual complexity, a small mandate fee may apply. We will always be upfront about this before any work begins.

Although we are based in Sydney, we service clients across all major Australian cities, including Melbourne, Perth, Brisbane, the Gold Coast, Adelaide, Canberra and Hobart, along with their surrounding regional areas. Wherever your business is located, we can arrange your finance.

Although our main speciality is property loans for business owners, such as a property loan for your operations base, we also assist with vehicle finance for cleaning fleets and working capital. On asset finance, that covers vans, floor machines and fleet finance for multiple vehicles at once. On working capital, we arrange business overdrafts, lines of credit, and invoice and debtor finance. We also arrange commercial mortgages if you are buying or refinancing a depot or workshop to run the operation from.