Key Takeaways
- Cleaning contract revenue drives Bankable approval — no green card needed
- Fund equipment, supplies, and fleet vehicles for OPT cleaning business founders
- Commercial cleaning contracts with B2B clients qualify strongly
- 48-hour decisions for cleaning businesses with $8K+ monthly revenue
Commercial and residential cleaning businesses offer one of the most predictable revenue models available: monthly recurring contracts with B2B clients who budget cleaning as a fixed operating expense. F-1 OPT founders with operations or management backgrounds are launching cleaning services that grow through systematic contract acquisition and staff expansion.
Cleaning Business Capital Uses
- Industrial cleaning equipment: floor scrubbers, pressure washers, and HEPA vacuum systems
- Company vehicles for crew transportation and equipment hauling
- Supplies inventory: cleaning chemicals, PPE, and disposables
- Staffing expansion capital for new contract fulfillment
- Insurance premium financing for general liability and workers comp
Frequently Asked Questions
Yes. Since March 2026, SBA loans require 100% US citizen or national ownership. All F-1 OPT and STEM OPT founders are disqualified from SBA 7(a) and 504 programs. Bankable is a non-SBA lender — our approval is entirely revenue-based, with no citizenship requirement.
No. Bankable does not evaluate immigration status. We fund US-registered business entities based on their revenue. F-1 OPT and STEM OPT founders qualify on the same terms as any other business owner.
Your business entity continues operating and servicing the funding regardless of your personal immigration status. Bankable funds the LLC or corporation, not the individual. Immigration transitions — H-1B, O-1, departure — do not affect the business's obligation or ability to operate.
Yes. Cleaning businesses do not require professional licensure for ownership. F-1 OPT founders can own and operate cleaning companies while employing W-2 or 1099 workers.
$8,000+ in monthly contract revenue with 3+ months of operating history.
Both qualify. Commercial contracts (office buildings, medical facilities, retail) tend to be larger and more consistent — which makes them particularly strong for Bankable evaluation.
Yes. New contract fulfillment capital — staffing, supplies, and equipment — is a primary use case.
Yes. Franchise cleaning operations (ServiceMaster, Jan-Pro, etc.) qualify on the same terms as independent operators.