March 17, 2026
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Best Business Loan Lenders for Cleaning Companies

Discover the best business loan lenders for cleaning companies. Compare rates, terms, and eligibility to find the perfect loan to grow your cleaning business.
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Best Business Loan Lenders for Cleaning Companies
Abdus-Samad Charles
Finance Writer

Head of Content at Funding Agent, with four years’ experience creating practical, easy-to-follow, SEO-informed guidance for UK small and medium-sized businesses.

Best Business Loan Lenders for Cleaning Companies

For UK franchise buyers and operators, this guide compares loan periods and amounts, APRs, and terms across leading providers, with a focus on eligibility and fit. Amounts that could not be verified are left blank, prices accurate as of 2026-03-16.

1. Funding Agent

Funding Agent focuses on helping UK SMEs compare multiple business finance options quickly through a streamlined application process. It is typically suited for businesses seeking unsecured loans with predictable terms and easy access. The platform offers fast eligibility matching with flexibility around loan types and repayment structures.

Loan Details

  • Min Amount: £10,000
  • Max Amount: £1,000,000
  • Min APR: 4%
  • Max APR: 20%
  • Loan Duration: 3–60 months ⌛

Services & Industries

  • Finance Types: Unsecured business loans, MCA Loans, Working capital
  • Industries: UK SME's

Pros

  • fastest and easiest application process
  • No collateral required

Cons

  • lower track record, only trading 1 year

Sources: Funding Agent

2. OnDeck

OnDeck is a lender focused on small business loans offering fast approvals and tailored funding solutions. It suits companies looking for quick access to flexible financing with straightforward application and moderate collateral requirements. Their products are designed to support various business growth needs.

Loan Details

  • Min Amount: £5,000
  • Max Amount: £250,000
  • Min APR: 8%
  • Max APR: 24%
  • Loan Duration: 6-24 months ⌛

Services & Industries

  • Finance Types: Term Loans, Lines of Credit
  • Industries: Retail, Technology, Construction, Healthcare

Pros

  • Fast funding
  • Simple application process

Cons

  • Higher APRs compared to traditional banks

Sources: Source Source

3. National Funding

National Funding offers customised business loans aimed at small businesses needing working capital to manage cash flow and expenses. It suits firms requiring flexible repayment options with unsecured or asset-backed lending. The lender emphasises fast turnaround and tailored loan structures for various sectors.

Loan Details

  • Min Amount: £5,000
  • Max Amount: £500,000
  • Min APR: 6%
  • Max APR: 20%
  • Loan Duration: 6-60 months ⌛

Services & Industries

  • Finance Types: Equipment Loans, Working Capital Loans
  • Industries: Manufacturing, Retail, Professional Services

Pros

  • No collateral required
  • Quick funding process

Cons

  • Higher interest rates for shorter terms

Sources: Source

4. Live Oak Bank

Live Oak Bank primarily provides large-scale business loans with a focus on sector-specific financial solutions. It suits borrowers seeking long-term financing for substantial projects, often requiring structured repayment plans. The lender combines digital efficiency with tailored credit assessment.

Loan Details

  • Min Amount: £1,000,000
  • Max Amount: £20,000,000
  • Min APR: 5%
  • Max APR: 15%
  • Loan Duration: 12-120 months ⌛

Services & Industries

  • Finance Types: SBA Loans, Construction Loans
  • Industries: Agriculture, Healthcare, Construction, Real Estate

Pros

  • Sector-specific expertise
  • Long duration loans

Cons

  • High minimum loan amount

Sources: Source

5. GreenBox Capital

GreenBox Capital focuses on alternative business financing with fast approvals and flexible funding for various business needs. It is suitable for borrowers prioritising speed and access over traditional bank collateral requirements. The lender offers short-term loans adaptable to changing operational demands.

Loan Details

  • Min Amount: £10,000
  • Max Amount: £120,000
  • Min APR: 9%
  • Max APR: 29%
  • Loan Duration: 3-18 months ⌛

Services & Industries

  • Finance Types: Merchant Cash Advances, Small Business Loans
  • Industries: Retail, Food Service, Healthcare

Pros

  • Fast and easy access to cash
  • No collateral required

Cons

  • High APR
  • Short repayment terms

Sources: Source

6. Biz2Credit

Biz2Credit operates an online platform delivering loan products tailored to small and medium-sized enterprises. It suits businesses favouring a digital-first application with flexible funding and repayment terms. The service prioritises accessibility and a simplified loan process.

Loan Details

  • Min Amount: £5,000
  • Max Amount: £300,000
  • Min APR: 7%
  • Max APR: 25%
  • Loan Duration: 6-36 months ⌛

Services & Industries

  • Finance Types: Working Capital Loans, Debt Consolidation Loans
  • Industries: Retail, Professional Services, Healthcare

Pros

  • Streamlined online process
  • Flexible loan options

Cons

  • Application fees may be high

Sources: Source

7. Crestmont Capital

Crestmont Capital targets small businesses in cleaning and janitorial sectors with loans tailored to their specific financial requirements. This lender suits companies needing flexible repayment plans and competitive rates. Their offerings include term loans and equipment financing options adapted for commercial services.

Loan Details

  • Min Amount: £2,000
  • Max Amount: £250,000
  • Min APR: 8%
  • Max APR: 20%
  • Loan Duration: 3-60 months ⌛

Services & Industries

  • Finance Types: Term Loans, Equipment Financing
  • Industries: Cleaning, Janitorial Services, Commercial Services

Pros

  • Flexible repayment options
  • Competitive rates

Cons

  • Shorter loan terms for higher amounts

Sources: Source

8. SpringFi

SpringFi delivers funding solutions focused on helping cleaning businesses manage operational costs and growth initiatives. It is suited for companies that want tailored short-term loans and lines of credit with practical repayment terms. This lender emphasises fast decision-making and specialised support for small business sectors.

Loan Details

  • Min Amount: £3,000
  • Max Amount: £150,000
  • Min APR: 10%
  • Max APR: 28%
  • Loan Duration: 4-24 months ⌛

Services & Industries

  • Finance Types: Short-Term Loans, Business Lines of Credit
  • Industries: Cleaning, Small Business Retail, Hospitality

Pros

  • Quick funding process
  • Tailored financial solutions

Cons

  • Higher APR for new businesses

Sources: Source

9. LendingCrowd

LendingCrowd operates a peer-to-peer lending platform focused on funding business growth, equipment acquisition, and expansion capital. This source suits borrowers with good credit seeking direct investor funding with no early repayment charges. It offers a range of loans adaptable to diverse industry needs.

Loan Details

  • Min Amount: £5,000
  • Max Amount: £500,000
  • Min APR: 5.95%
  • Max APR: 20%
  • Loan Duration: 6-60 months ⌛

Services & Industries

  • Finance Types: Peer-to-Peer Loans, Expansion Capital
  • Industries: Manufacturing, Retail, Service Industries

Pros

  • Direct funding from investors
  • No early repayment fees

Cons

  • Requires good credit rating

Sources: Source

10. Funding Circle

Funding Circle is a peer-to-peer lending platform known for easy loan access and competitive rates for SMEs. It suits businesses seeking straightforward commercial or expansion loans with clear pricing and flexible terms. Funding Circle facilitates quick applications with direct investor connections.

Loan Details

  • Min Amount: £10,000
  • Max Amount: £500,000
  • Min APR: 1.9%
  • Max APR: 19.9%
  • Loan Duration: 6-60 months ⌛

Services & Industries

  • Finance Types: Commercial Loans, Expansion Loans
  • Industries: Retail, Healthcare, Technology

Pros

  • Quick application process
  • Competitive interest rates

Cons

  • Penalties for late payments

Sources: Source

How to choose

When selecting business loan lenders for cleaning companies, consider loan size and APR to match your budget and cash flow. Evaluate eligibility criteria carefully, including credit requirements and collateral needs. Speed of funding is important, but balance it with loan flexibility and repayment options. Pay special attention to fees, terms of early repayment, and any restrictions that may affect seasonal variations. Choosing lenders who understand the cleaning industry can offer better tailored support. Compare multiple providers to find the best fit for your business needs.

Conclusion

Choosing the right lender depends on your loan purpose. Banks often offer competitive rates for larger loans but may require collateral. Brokers can provide access to multiple specialist lenders with flexible terms. Specialist providers may be better for smaller or niche cleaning business loans. Funding Agent is a strong option for SMEs wanting fast comparisons, particularly for loans up to 200 thousand pounds. Always confirm current pricing and conditions with each lender.

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FAQs

What types of business loans are available for cleaning companies?
How do I qualify for a business loan as a cleaning company?
What is the average interest rate for business loans for cleaning businesses?
Can start-up cleaning companies get business loans?
How long does it take to get approved for a business loan?
What should I consider when choosing a loan lender for my cleaning business?

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1Funding AgentFunding Agent helps UK SMEs compare business finance options fast, with a simple application journey and quick eligibility matching.£10,000–£1,000,000; 4%–20% APR; 3–60 months
2OnDeckOnDeck specializes in small business loans with fast approvals and tailored financing solutions, supporting business growth effectively.£5,000–£250,000; 8%–24% APR; 6-24 months
3National FundingNational Funding provides tailored business loans to help small businesses acquire working capital and manage finances efficiently.£5,000–£500,000; 6%–20% APR; 6-60 months
4Live Oak BankLive Oak Bank offers business loans with a focus on sector-specific needs, providing accessible financial solutions through digital platforms.£1,000,000–£20,000,000; 5%–15% APR; 12-120 months
5GreenBox CapitalGreenBox Capital provides alternative financing options for small businesses, focusing on fast approvals and flexible funding solutions.£10,000–£120,000; 9%–29% APR; 3-18 months
6Biz2CreditBiz2Credit offers an online funding platform focusing on providing accessible loans to small and medium-sized businesses through a streamlined digital process.£5,000–£300,000; 7%–25% APR; 6-36 months
7Crestmont CapitalCrestmont Capital specializes in providing small business loans aimed at catering to the unique financial needs of cleaning companies.£2,000–£250,000; 8%–20% APR; 3-60 months
8SpringFiSpringFi offers funding solutions designed to help cleaning businesses manage their operational costs and expand services effectively.£3,000–£150,000; 10%–28% APR; 4-24 months
9LendingCrowdLendingCrowd provides peer-to-peer business loans, facilitating funding for growth, equipment purchase, and other business needs.£5,000–£500,000; 5.95%–20% APR; 6-60 months
10Funding CircleFunding Circle is a renowned peer-to-peer lending platform, supporting SMEs by offering easy-to-access loans with competitive interest rates.£10,000–£500,000; 1.9%–19.9% APR; 6-60 months
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