Cleaning Companies

The commercial contracts pay Net 30. Your cleaners are weekly paychecks. Supplies and equipment lease monthly. The MCA you took to staff up for that office tower contract is taking $310 daily, and the contract paid its first invoice 28 days late. The crews are clean. The cash flow isn't.

Hardship hook

Commercial cleaning operations live in the gap between contract execution and customer payment. Office buildings, medical facilities, schools, retail, most pay Net 30 minimum, often Net 45-60 for larger properties. Cleaning supplies, equipment lease, vehicle costs, and especially payroll are weekly or monthly. MCA brokers target commercial cleaning operations because the cash gap is predictable. The first advance covers staff-up for a new contract. The second covers equipment for an expansion. The third arrives because the first two's daily ACH didn't end when the contracts paid through. By 12-14 months in, you're stacked across multiple advances and one client's slow-pay month is going to break payroll. You're not the only cleaning operation in this position. BDA has worked with hundreds since 2015.

How cleaning operations get trapped

Three things drive commercial cleaning into stacked MCAs:

Net 30-60 commercial billing cycles. Office buildings, medical facilities, school districts, all pay slow. Quarter-close stretches the timing further. The MCA bridges the gap between crew payroll (weekly) and contract payment (monthly+).

Contract scale-up costs. Winning a new commercial contract typically requires immediate staff-up, supervisor, crew, equipment, supplies, before the first invoice can be billed. The MCA covers the runway. The daily ACH starts immediately; the first contract payment lands 30-45 days later.

Equipment and vehicle financing layered with operating MCAs. Floor scrubbers, cleaning vehicles, specialized equipment for medical or industrial cleaning, each requires equipment financing. Operating MCAs stack on top to cover supplies, payroll, and contract scale-up. Most owners don't track the cumulative monthly cost until cash flow breaks.

What starts as a $35K contract-bridge advance becomes a $140K stacked obligation across 14 months. The contracts perform; the bank account empties between batched payments.

What BDA does

BDA settles MCA debt for commercial cleaning operations directly with the funders. We negotiate balance reductions, structure a monthly payment that fits commercial billing cycles, and stop the daily ACH drain on enrollment day.

Typical cleaning file: $70-150K enrolled across 3-4 lenders. Daily drain reduced from $250-400/day to a monthly program payment in the $1,500-2,600 range. Total payback approximately 50-65% of enrolled debt over 24-36 months, inclusive of program fees. Program payments structured around documented contract billing patterns rather than calendar-month rigid schedules.

You stop the daily drain on day 1. We handle the lender contact, documentation, negotiation. You go back to running crews and managing contracts.

Eleven years doing this work. Over $500 million in commercial debt settled for service-based businesses since 2015. 4.9 out of 5 on Trustpilot. 4.9 on Google reviews. We've handled stacked engagements for commercial, medical, industrial, and post-construction cleaning operations. We tell you the realistic settlement range for your specific lender mix on the first call.

In default / served

Already in default? Bounced ACH, frozen account, demand letters? About 25% of BDA's cleaning operation clients arrive in this position. Default doesn't disqualify you from settlement. Lenders frequently become more flexible once direct collection isn't producing payment.

If you've been served with a lawsuit, a confession of judgment, or a restraining notice on the bank account: BDA coordinates with our attorney network to defend the legal action while we negotiate settlement on the rest. Same firm, same intake, same timeline, legal coverage layered in for the filing lender.

You don't need a separate MCA defense lawyer plus a settlement firm. The integrated approach handles legal posture and settlement posture together. That's how BDA structures legal-stage cases.

If you've been served, the response clock runs immediately. Most states allow 20-30 days. Don't ignore the filing. Call BDA the same week. We'll tell you what we're seeing on the documents and what your realistic options are.

vs consolidation

A consolidation loan replaces stacked MCAs with one new debt. New debt requires personal guarantees, often UCC-1 filings on equipment, plus origination fees and interest. If factor rates are reasonable and credit qualifies, consolidation can lower monthly payments, though total payback usually equals or exceeds the original.

Settlement is different. BDA negotiates the existing MCA balances DOWN, not refinanced. No new debt, no new origination, no new personal guarantee, no new UCC.

Consolidation can fit some situations. Settlement fits when stacking is severe, daily drain is breaking cash flow, or you've already missed payments.

Free 15-minute consultation with BDA. We'll tell you which path fits, honestly, even if it isn't us.

Frequently asked questions

I have multiple commercial contracts with bonding requirements. Will settlement affect bondability?

Pre-default settlement is confidential and typically doesn't affect bonding capacity. Post-judgment situations can, judgments are public records and bonding carriers see them during renewal. Acting before lender escalation matters specifically for bonded contractors. The consultation walks through your specific bonding situation.

My cleaning operation handles medical facility contracts with strict insurance requirements. Does settlement affect insurance?

No. Insurance carriers underwrite based on claims history, coverage scope, and operational risk profile, not commercial debt status. Settlement is confidential between BDA and your lenders. Insurance renewals continue normally.

I'm planning to win additional contracts during the program. Will the new revenue affect program payments?

Program payment structure is set at enrollment based on documented cash flow. Material revenue increases can be reviewed for program adjustment if requested, but the standard pattern is to complete the program at original payment levels and use the increased cash flow to rebuild reserves and capacity.

My cleaning business is incorporated as an S-corp. Are my personal assets at risk during settlement?

Depends on whether original MCAs included personal guarantees (most do) and current legal stage. Pre-judgment, S-corp structure typically protects personal assets. Post-judgment with active personal guarantee enforcement, they can become collection targets. Settlement addresses personal guarantees in the settled agreement.

Free 15-minute consultation

Stop the daily drain on advances that are killing your cleaning business. Schedule a free 15-minute consultation with a BDA settlement specialist. You'll get: a clear read on your specific lender mix, the realistic settlement range for your file, a timeline to stop the daily ACH, and honest next steps, whether you enroll with BDA or not. No upfront fees. No obligation. 100% confidential. Call (877) 817-0404 or schedule online.