How to Get Competitive Rates for Cleaning Equipment Financing
How to Get Competitive Rates for Cleaning Equipment Financing
Finance or lease service vans, trucks, floor scrubbers, pressure washers, steam cleaners, window & air-duct systems, janitorial gear and more—while keeping cash flow steady.
Determine the Type of Equipment
- Vehicles: vans, box trucks, service trucks, lift/boom trucks
- Machines: floor scrubbers, carpet cleaners, pressure & steam washers
- Systems: window-cleaning, air-duct cleaning
- Janitorial gear: buffers, polishers, carts, mops
- Supplies: chemicals, PPE, accessories
Match the equipment plan to your contract mix, geography, and staffing to right-size term and budget.
Evaluate New vs. Used Equipment
New
- Warranty & latest features
- Lower maintenance risk
- Higher ticket & payment
Used
- Lower upfront cost
- May have shorter remaining life
- Maintenance/condition matters
We finance both—terms vary by age, condition, and resale profile.
Financing Options for Cleaning Service Trucks & Equipment
Equipment Financing (EFA / Lease-to-Own)
- Fixed payments up to ~60 months (sometimes 84 months)
- No balloon at end of term
- Ownership path; bundle soft costs
Equipment Leasing (FMV)
- Off–balance sheet style (program-dependent)
- Lower payments & easy upgrades
- Purchase (~10%/FMV), return, or renew at end
Straight talk: Use EFAs/leases for equipment—not daily/weekly cash-advance products. Align payment cadence to revenue.
Why Finance with Liberty Capital Group, Inc.?
- Up to 120% project coverage incl. soft costs
- App-only up to $250,000 • to $5,000,000 with financials
- $0 down for qualified borrowers
- Low, competitive rates for strong profiles
- No prepayment penalties (program-dependent)
- Terms to 84 months for select assets
- Corp-only options for large, established companies
- 100% vendor pre-funding available
Loans vs Leasing vs Equipment Financing
| Feature | Business Loans | Equipment Leasing | Equipment Financing |
|---|---|---|---|
| Ownership | 50% | 100% | 100% |
| Initial Costs | $0 | Low to moderate | Varies |
| Monthly Payments | Monthly, Daily, Weekly | Monthly | Monthly |
| Credit Minimum | 500 | 600 | 650 |
| Fund Disbursements | Client | Vendor | Vendor |
| New/Used Equipment | n/a | Yes | Yes |
| Maximum Term | 24 months | 60 months | 60 months |
| Time in Business | 3+ years | Startup OK | Startup OK |
| Interest Rates | Moderate | Low | Low |
| Application Only | $150K | $250K | $250K |
Credit Requirements for Startup Cleaning Businesses
- Business license or active entity registration
- Active business bank account (2–3× monthly payment balance)
- Personal guarantees from all owners
- Minimum ~625 credit (lower for certain heavy equipment)
- No BK in last 7 years; no unresolved tax liens
- Manageable personal credit card balances
Are You an Equipment Vendor? — Liberty Capital Vendor Program
We support used commercial trucks & trailers, heavy equipment, office equipment, and machinery across dealers, manufacturers, and resellers.
Features
- 100% Pre-Funding prior to delivery
- Soft inquiry screening
- Bad credit options with 5–40% down
- Startups welcomed
Sign Up
Onboard to accelerate closes and reduce fallout. We handle credit, docs, and funding so you can focus on delivery.
List of Cleaning Equipment We Can Finance
Vehicles
- Vans & box trucks
- Service trucks
- Lift & boom trucks
Cleaning Machines
- Floor scrubbers & buffers
- Carpet cleaners (portable & truck-mount)
- Pressure & steam washers
Specialized & Janitorial
- Window-cleaning systems
- Air-duct cleaning machines
- Industrial vacuums, carts, PPE
Financing avoids large upfront costs and keeps your fleet & tools current for efficiency and quality.
How To Apply
- Online Application: One page, upload, and authorize. We begin with a soft inquiry; lender may hard-pull upon approval.
- Invoice / Quote: Multiple vendors accepted—bundle to one monthly payment. Vendor pre-funding up to 100% available.
- 3–4 Months Bank Statements: Advisor sets timeline & expectations, issues offer, coordinates vendor payment. Funding can be as fast as 24 hours after docs.
Online Application
Prefer to price it first? Get an instant quote.
Equipment Financing Application Only up to $250,000
Easier to get than a traditional business loan
Less paperwork
Fast processing time
Less stringent requirements for qualifying
No collateral needed, the equipment is the collateral
May require less credit score for you and your business as well
Our small business financing experts are available to guide you through the funding Process.
Despite technological advancements in the lending industry, however, cleaning equipment financing, predominantly involve personal interaction with an underwriter to ensure as fraud prevention. Automation may not suffice, particularly when dealing with a third party like the vendor and the complexities of equipment purchase. In such scenarios, business owners are often better served by collaborating with a Business Loans Broker like Liberty Capital Group, Inc., who can steer them in the right direction.
Instant Quote Online
Use our instant online quote calculator to get an accurate no obligation quote.
Apply Online
Complete our quick online application. Application takes 5 mins.
Review Your Options
We will contact you to review your options.
Get Funds
Money will be deposited in your account in as little as 24 hours.