Key Takeaways
- Cleaning businesses with SSN-holding owners (TPS, DACA, EAD) qualify for full range
- Monthly recurring contract revenue is ideal for revenue-based repayment structures
- Equipment and supply financing for commercial cleaning businesses
- Working capital advances for new contract startup costs — supplies, uniforms, insurance
- Bankable serves sole proprietors to 20-employee cleaning operations
Cleaning Service Funding for Visa Holders addresses the capital needs of non-citizen entrepreneurs in the cleaning service sector — businesses owned by individuals with valid SSNs from H-1B, DACA, TN, L-1, TPS, EAD, and all other work-authorized categories who have built operations that deserve funding based on their business results, not their immigration status.
The March 1, 2026 SBA rule change eliminated government-backed lending for all non-citizens, but Bankable's cleaning service funding programs operate entirely independently of SBA eligibility. Our underwriting focuses on monthly recurring contract revenue, client retention rates, and crew capacity — the actual metrics that predict whether a cleaning service business will successfully repay capital investment.
SBA Loans vs. Traditional Banks vs. Bankable
The March 1, 2026 SBA rule change eliminated all non-citizen, non-national applicants from SBA 7(a) and 504 programs. Here is how your options compare:
| Factor | SBA 7(a) (Pre-2026) | Traditional Bank | Bankable |
|---|---|---|---|
| Green Card Required? | No (changed Mar 1, 2026) | Usually yes | Never |
| Citizenship Required? | Yes (as of Mar 1, 2026) | Sometimes | No |
| SSN Accepted? | N/A (citizenship required) | Rarely alone | Yes — primary requirement |
| Decision Speed | 30-90 days | 30-60 days | 48 hours |
| Max Funding | $5M (if eligible) | Varies | Up to $5M |
| Collateral | Required | Required | Revenue-based, minimal |
| Min. Revenue | Varies | $500K+ | $120K annual |
Qualification Criteria for Cleaning Service Business Owners
- Valid SSN from any legal work authorization (H-1B, DACA, TN, L-1, EAD, TPS, etc.)
- Business EIN and US business bank account in the business name
- 6+ months of operating history with consistent revenue deposits
- Minimum $10,000 monthly revenue ($120,000 annually)
- Personal credit score 580+ (higher revenue can partially offset lower credit)
Funding Products Available to Cleaning Service Non-Citizens
Bankable structures capital for cleaning service businesses across several product types, all without green card or citizenship requirements:
- Revenue-Based Advances: Repaid as percentage of monthly revenue — ideal for cleaning service businesses with variable income
- Business Term Loans: Fixed amount and term for planned investments — equipment, expansion, or renovation
- Equipment Financing: Asset-backed at lower rates — the equipment itself reduces lender risk
- Business Lines of Credit: Revolving credit for ongoing working capital needs
Check your Bankability Score today for a personalized funding assessment specific to your cleaning service business. Our team delivers decisions in 48 hours with no green card requirement. For full details on our industry funding programs, see our comprehensive sector resources.
Frequently Asked Questions
Yes, fully. Any non-citizen with a valid SSN from legal work authorization and a cleaning service business generating at least $10,000 per month qualifies for Bankable's evaluation process. No green card or citizenship is required.
You repay a fixed percentage of your monthly revenue until the funded amount plus our fee is satisfied. For cleaning service businesses with seasonal or variable revenue, this means lower payments in slow months and faster payoff in strong months — natural alignment with your business cycle.
Yes. Bankable's equipment financing program uses the financed asset as collateral, making it more accessible than unsecured loans. Non-citizen cleaning service business owners qualify for equipment financing based on the asset value and their business revenue history.