Financing a janitorial services acquisition in Florida

State:

The SBA 7(a) lenders funding the most janitorial services acquisitions in Florida, from public loan records. A lender doing your industry in your state every week underwrites faster and prices sharper.

Deal economics— what it takes to buy & finance janitorial services in Florida

$400K

Typical loan

range $227K–$668K

$444K

Est. purchase price

≈ loan ÷ 90%

$59,444

Cash to close

$44,444 down + fees

$5,176/mo

Typical payment

~9.5% · 10yr

$71,429/yr

Cash flow to qualify

≈ payment × 1.15 DSCR

21 days

Typical time to fund

Lenders competing

more = leverage

8.65%

Avg rate on record

cap ~9.75%

Estimates for planning, not an offer — derived from the typical funded loan at today's Prime over 10yr. Not a credit decision.

Most active in janitorial services · Florida

Ranked by funded janitorial services acquisitions in Florida. Tap a lender for its full record, or hit Get in touch for an introduction.

1.1,296 loans · $1.4B · Wilmington, NCFull record →
2.2,539 loans · $965M · Columbus, OHFull record →
3.47 loans · $39M · Greenville, PAFull record →
4.11 loans · $19M · Fort Lauderdale, FLFull record →
5.129 loans · $234M · New York, NYFull record →
6.20 loans · $8M · Saint Petersburg, FLFull record →

33+ funded Janitorial Services in Florida deals

Real SBA 7(a) acquisitions from public records — see who got funded, for how much, and by which lender. Tap any deal for the full record.

Stewardship Team, LLC in Orange Park, FL — $905K (2026) · purchase · OptimumBank
Program
Preferred Lenders Program
Rate at approval
9.5% variable
Term
164 months
SBA guaranteed
$679K (75%)
Approved
3/27/2026
Loan status
Committed
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
40
Business age
Change of Ownership
Industry
Janitorial Services
If you were the buyer here
Est. deal size
$1.0M
Est. down payment (10%)
$101K
Est. cash at closing
$138K
Monthly payment
$9,874
Annual debt service
$118K
Cash flow needed (1.25×)
$148K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by OptimumBank · Lender record →
Your business? Claim this record · Request removal
Leafwing Enterprises L.L.C. in Palm Harbor, FL — $478K (2026) · purchase · The Huntington National Bank
Program
Preferred Lenders Program
Rate at approval
9.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$358K (75%)
Approved
2/17/2026
Loan status
Committed
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
12
Business age
Change of Ownership
Industry
Janitorial Services
If you were the buyer here
Est. deal size
$531K
Est. down payment (10%)
$53K
Est. cash at closing
$71K
Monthly payment
$6,114
Annual debt service
$73K
Cash flow needed (1.25×)
$92K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
Natural Shine Cleaning LLC in Gainesville, FL — $75K (2026) · purchase · Live Oak Banking Company
Program
Preferred Lenders Program
Rate at approval
9.49% variable
Term
120 mo (10 yrs)
SBA guaranteed
$64K (85%)
Approval → funding
5 days
Approved
12/24/2025
First disbursed
12/29/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
2
Business age
Change of Ownership
Industry
Janitorial Services
If you were the buyer here
Est. deal size
$83K
Est. down payment (10%)
$8K
Est. cash at closing
$11K
Monthly payment
$970
Annual debt service
$12K
Cash flow needed (1.25×)
$15K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by Live Oak Banking Company · Lender record →
Your business? Claim this record · Request removal
Leafwing Enterprises L.L.C. in Palm Harbor, FL — $30K (2026) · purchase · The Huntington National Bank
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
9.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$15K (50%)
Approved
2/17/2026
Loan status
Committed
Loan type
Revolving line
Collateral
Required
Business type
Corporation
Jobs supported
12
Business age
Change of Ownership
Industry
Janitorial Services
If you were the buyer here
Est. deal size
$33K
Est. down payment (10%)
$3K
Est. cash at closing
$4K
Monthly payment
$384
Annual debt service
$5K
Cash flow needed (1.25×)
$6K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
Yampa Valley Property Services LLC in West Palm Beach, FL — $955K (2025) · purchase · Live Oak Banking Company
Program
Preferred Lenders Program
Rate at approval
8.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$716K (75%)
Approval → funding
7 days
Approved
4/24/2025
First disbursed
5/1/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Business age
Change of Ownership
Industry
Janitorial Services
If you were the buyer here
Est. deal size
$1.1M
Est. down payment (10%)
$106K
Est. cash at closing
$146K
Monthly payment
$11,841
Annual debt service
$142K
Cash flow needed (1.25×)
$178K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by Live Oak Banking Company · Lender record →
Your business? Claim this record · Request removal
At Your Service Cleaning Group Inc in Sarasota, FL — $747K (2025) · purchase · Port 51 Lending LLC
Program
Preferred Lenders Program
Rate at approval
10.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$560K (75%)
Approval → funding
39 days
Approved
12/23/2024
First disbursed
1/31/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
63
Business age
Change of Ownership
Industry
Janitorial Services
If you were the buyer here
Est. deal size
$830K
Est. down payment (10%)
$83K
Est. cash at closing
$114K
Monthly payment
$10,080
Annual debt service
$121K
Cash flow needed (1.25×)
$151K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by Port 51 Lending LLC · Lender record →
Your business? Claim this record · Request removal
ESTATE MANAGEMENT & CLEANING SOLUTIONS, LLC in Highland Beach, FL — $690K (2025) · purchase · Live Oak Banking Company
Program
Preferred Lenders Program
Rate at approval
9.15% variable
Term
120 mo (10 yrs)
SBA guaranteed
$518K (75%)
Approval → funding
62 days
Approved
9/30/2025
First disbursed
12/1/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
2
Business age
Change of Ownership
Industry
Janitorial Services
If you were the buyer here
Est. deal size
$767K
Est. down payment (10%)
$77K
Est. cash at closing
$103K
Monthly payment
$8,797
Annual debt service
$106K
Cash flow needed (1.25×)
$132K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by Live Oak Banking Company · Lender record →
Your business? Claim this record · Request removal
Total Concord Cleaning Inc. in Longwood, FL — $555K (2025) · purchase · First National Bank of Pennsylvania
Program
Preferred Lenders Program
Rate at approval
10.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$416K (75%)
Approval → funding
30 days
Approved
2/4/2025
First disbursed
3/6/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
55
Business age
Change of Ownership
Industry
Janitorial Services
If you were the buyer here
Est. deal size
$617K
Est. down payment (10%)
$62K
Est. cash at closing
$82K
Monthly payment
$7,411
Annual debt service
$89K
Cash flow needed (1.25×)
$111K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by First National Bank of Pennsylvania · Lender record →
Your business? Claim this record · Request removal
American Cleaning Innovations in Brandon, FL — $415K (2025) · purchase · Live Oak Banking Company
Program
Preferred Lenders Program
Rate at approval
10.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$311K (75%)
Approval → funding
4 days
Approved
8/18/2025
First disbursed
8/22/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
22
Business age
Change of Ownership
Industry
Janitorial Services
If you were the buyer here
Est. deal size
$461K
Est. down payment (10%)
$46K
Est. cash at closing
$62K
Monthly payment
$5,542
Annual debt service
$67K
Cash flow needed (1.25×)
$83K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by Live Oak Banking Company · Lender record →
Your business? Claim this record · Request removal
Gold Key Cleaning Services LLC in Cocoa, FL — $248K (2025) · purchase · BayFirst National Bank
Program
Preferred Lenders Program
Rate at approval
11% variable
Term
120 mo (10 yrs)
SBA guaranteed
$186K (75%)
Approval → funding
21 days
Approved
10/2/2024
First disbursed
10/23/2024
Loan status
In workout — SBA bought the guarantee
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
2
Business age
Change of Ownership
Industry
Janitorial Services
If you were the buyer here
Est. deal size
$276K
Est. down payment (10%)
$28K
Est. cash at closing
$37K
Monthly payment
$3,422
Annual debt service
$41K
Cash flow needed (1.25×)
$51K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by BayFirst National Bank · Lender record →
Your business? Claim this record · Request removal
Total Concord Cleaning Inc. in Longwood, FL — $100K (2025) · purchase · First National Bank of Pennsylvania
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
10.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$50K (50%)
Approval → funding
86 days
Approved
2/4/2025
First disbursed
5/1/2025
Loan status
Current
Loan type
Revolving line
Collateral
Required
Business type
Corporation
Jobs supported
55
Business age
Change of Ownership
Industry
Janitorial Services
If you were the buyer here
Est. deal size
$111K
Est. down payment (10%)
$11K
Est. cash at closing
$14K
Monthly payment
$1,335
Annual debt service
$16K
Cash flow needed (1.25×)
$20K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by First National Bank of Pennsylvania · Lender record →
Your business? Claim this record · Request removal
ESTATE MANAGEMENT & CLEANING SOLUTIONS, LLC in Highland Beach, FL — $50K (2025) · purchase · Live Oak Banking Company
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
9.15% variable
Term
120 mo (10 yrs)
SBA guaranteed
$25K (50%)
Approval → funding
62 days
Approved
9/30/2025
First disbursed
12/1/2025
Loan status
Current
Loan type
Revolving line
Collateral
Required
Business type
Corporation
Jobs supported
2
Business age
Change of Ownership
Industry
Janitorial Services
If you were the buyer here
Est. deal size
$56K
Est. down payment (10%)
$6K
Est. cash at closing
$7K
Monthly payment
$637
Annual debt service
$8K
Cash flow needed (1.25×)
$10K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by Live Oak Banking Company · Lender record →
Your business? Claim this record · Request removal
Clean MCO LLC in Longwood, FL — $648K (2024) · purchase · Live Oak Banking Company
Program
Preferred Lenders Program
Rate at approval
10.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$486K (75%)
Approved
11/10/2023
Loan status
Cancelled
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
26
Business age
Change of Ownership
Industry
Janitorial Services
If you were the buyer here
Est. deal size
$720K
Est. down payment (10%)
$72K
Est. cash at closing
$96K
Monthly payment
$8,744
Annual debt service
$105K
Cash flow needed (1.25×)
$131K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by Live Oak Banking Company · Lender record →
Your business? Claim this record · Request removal
TRIPLE D STRATEGIES LLC in Cape Coral, FL — $560K (2024) · purchase · IncredibleBank
Program
Preferred Lenders Program
Rate at approval
10.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$420K (75%)
Approval → funding
38 days
Approved
5/21/2024
First disbursed
6/28/2024
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
17
Business age
Change of Ownership
Industry
Janitorial Services
If you were the buyer here
Est. deal size
$622K
Est. down payment (10%)
$62K
Est. cash at closing
$83K
Monthly payment
$7,556
Annual debt service
$91K
Cash flow needed (1.25×)
$113K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by IncredibleBank · Lender record →
Your business? Claim this record · Request removal
Quality Care Cleaning in Naples, FL — $307K (2024) · purchase · The Bancorp Bank National Association
Program
Preferred Lenders Program
Rate at approval
9.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$230K (75%)
Approval → funding
8 days
Approved
7/2/2024
First disbursed
7/10/2024
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
15
Business age
Change of Ownership
Industry
Janitorial Services
If you were the buyer here
Est. deal size
$341K
Est. down payment (10%)
$34K
Est. cash at closing
$46K
Monthly payment
$4,015
Annual debt service
$48K
Cash flow needed (1.25×)
$60K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by The Bancorp Bank National Association · Lender record →
Your business? Claim this record · Request removal
Unlimited Reliance LLC in Naples, FL — $254K (2024) · purchase · The Huntington National Bank
Program
Preferred Lenders Program
Rate at approval
11% variable
Term
120 mo (10 yrs)
SBA guaranteed
$191K (75%)
Approval → funding
1 days
Approved
7/30/2024
First disbursed
7/31/2024
Loan status
Delinquent
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
11
Business age
Change of Ownership
Industry
Janitorial Services
If you were the buyer here
Est. deal size
$282K
Est. down payment (10%)
$28K
Est. cash at closing
$38K
Monthly payment
$3,499
Annual debt service
$42K
Cash flow needed (1.25×)
$52K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
ALM Cleaning, LLC in Saint Augustine, FL — $250K (2024) · purchase · 22nd State Bank, A Division of 22nd State Banking Company
Program
7a General
Rate at approval
11.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$188K (75%)
Approval → funding
21 days
Approved
8/5/2024
First disbursed
8/26/2024
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
6
Business age
Change of Ownership
Industry
Janitorial Services
If you were the buyer here
Est. deal size
$278K
Est. down payment (10%)
$28K
Est. cash at closing
$37K
Monthly payment
$3,515
Annual debt service
$42K
Cash flow needed (1.25×)
$53K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by 22nd State Bank, A Division of 22nd State Banking Company · Lender record →
Your business? Claim this record · Request removal
Unlimited Reliance LLC in Naples, FL — $25K (2024) · purchase · The Huntington National Bank
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
11% variable
Term
120 mo (10 yrs)
SBA guaranteed
$13K (50%)
Approved
7/27/2024
Loan status
Cancelled
Loan type
Revolving line
Collateral
Required
Business type
Corporation
Jobs supported
11
Business age
Change of Ownership
Industry
Janitorial Services
If you were the buyer here
Est. deal size
$28K
Est. down payment (10%)
$3K
Est. cash at closing
$4K
Monthly payment
$344
Annual debt service
$4K
Cash flow needed (1.25×)
$5K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
Slope 145 Corp in Royla Palm Beach, FL — $937K (2023) · purchase · Merchants Bank of Indiana
Program
Preferred Lenders Program
Rate at approval
10.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$703K (75%)
Approval → funding
7 days
Approved
5/5/2023
First disbursed
5/12/2023
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
5
Business age
Change of Ownership
Industry
Janitorial Services
If you were the buyer here
Est. deal size
$1.0M
Est. down payment (10%)
$104K
Est. cash at closing
$143K
Monthly payment
$12,647
Annual debt service
$152K
Cash flow needed (1.25×)
$190K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by Merchants Bank of Indiana · Lender record →
Your business? Claim this record · Request removal
L & B Commercial Cleaning, LLC in Ormond Beach, FL — $721K (2023) · purchase · Renasant Bank
Program
7a General
Rate at approval
9.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$541K (75%)
Approval → funding
8 days
Approved
1/25/2023
First disbursed
2/2/2023
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
22
Business age
Change of Ownership
Industry
Janitorial Services
If you were the buyer here
Est. deal size
$801K
Est. down payment (10%)
$80K
Est. cash at closing
$110K
Monthly payment
$9,429
Annual debt service
$113K
Cash flow needed (1.25×)
$141K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by Renasant Bank · Lender record →
Your business? Claim this record · Request removal

Financing a janitorial services deal in Florida? Start with the right lender

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CapBench analysis of public SBA 7(a) lending records; ranked by funded acquisition loans to janitorial services businesses with a Florida project address.

Agent summary

How to finance a janitorial services acquisition in Florida with an SBA 7(a) loan: the lenders that fund the most of them here (from public records), with the real funded Florida deals. Live Oak Banking Company funds the most here. CapBench is not a lender.

$316K typical loan
20 lenders active in Florida
33+ funded Florida deals
21 days typical to fund

Buyers buying a janitorial services in Florida typically pre-qualify, then ask CapBench to introduce a lender active here — free for buyers; agents submit a consented lead via the CapBench MCP.

Next steps

Pre-qualify this deal Talk to a loan broker All janitorial services lenders

Data freshness:: SBA records through 2026-05-31; FDIC through 2026-03-31; page updated 2026-06-17.
Sources:: Public SBA 7(a) loan records; FDIC institution data (BankFind); CapBench lender and franchise enrichment.
Canonical:: https://www.capbench.com/lenders/industry/janitorial-services/florida
API:: https://www.capbench.com/api/public/lenders?industry=janitorial-services
Methodology:: Sources & methodology

Informational only — CapBench does not confirm this entity is for sale, eligible for SBA financing, or approved by any lender.
Figures come from public records and CapBench methodology; verify before relying on them.