What does it take to start a commercial cleaning company?
Illustrative case · Owner-led small team cleaning ordinary commercial offices under recurring contracts · United States; illustrative Ohio jurisdiction; no real city or site asserted
Explore this business · Overview
A commercial office-cleaning company sells a repeatable service scope under recurring contracts. This owner-led Ohio case budgets $41,283 to open, including $30,000 that remains as cash. A standard account produces $1,248 a month from 13 visits and 26 billable cleaning hours at $48 per hour. Those hours also require paid travel, setup and rework.
The first year is loss-making: $116,064 revenue and −$3,875 EBITDA after paid owner work. Cash bottoms at $3,294 in Month 13. Treat this as a measured-bid and cash-timing exercise; signed customer work is still missing.

Observed SBA industry evidence
Lending activity in the broader category
NAICS 561720 covers janitorial and cleaning services across formats and sizes. It does not isolate this case: Owner-led small team cleaning ordinary commercial offices under recurring contracts. Loan records do not establish local demand, costs or operating performance.
These are positive-amount loan records selected by approval fiscal year and PIF, CHGOFF or EXEMPT status at the stated snapshot. They are not unique firms, search volumes, approval probabilities or loans disbursed during that year.
Read this industry’s amounts, terms, lenders and outcomes.
Source: SBA 7(a) and 504 FOIA files, snapshot 30 June 2026. Recomputed from original records on 1 October 2026. FY2025 is the most recent complete fiscal year in these files. Definitions and exclusions.
Start with an office scope you can repeat
The case covers ordinary professional offices: carpet vacuuming, hard-floor cleaning, bins, restrooms, kitchenette surfaces and agreed touchpoints. It excludes healthcare, biohazard remediation, high-rise windows, construction cleanup and stripping or refinishing floors. Client paper products, specialty work and extra visits require separate scope and pricing. No real address, city, founder, customer or sales pipeline is asserted.
Contracts specify three weekly visits, using 52 weeks divided by 12 for a flat monthly average. That is 13 visits per account, not a claim that every calendar month has the same service dates. A walkthrough and task log must justify the two cleaner-hours per visit. Floor area alone does not establish labor: restroom fixtures, clutter, access, soil load and standards change the work.
The owner receives $3,600 gross each month for 160.0 total paid hours, with 96.0 available for cleaning and route work. Administration, selling and supervision use the remainder. Employees are paid $20.00 per hour in the base case, plus a modeled 18.0% burden. The national May 2025 BLS median of $17.71 is a comparison, not the wage of a local applicant. Read the occupation source.
Office access is assumed to allow scheduled work between 17:00 and 01:00. Four mobile tool sets can serve staggered routes; two carts remain at client sites with permission. Access windows, safe storage, transport and staffing availability must be established before using the monthly capacity in a proposal.
Four decisions that can invalidate the case
- Time the work. Verify tasks and acceptable results on a trial visit; record setup, lockup and exceptions separately. Any disinfectant task needs its own approved product and contact time. Cleaning and disinfection differ.
- Schedule paid people. Count travel within the working day and directed duties. This model does not make wages disappear when a vehicle leaves an office. DOL travel guidance.
- Verify collections. The base invoices are paid in the next model month. A two-month delay produces a −$14,213 minimum cash balance with unchanged cleaning profit.
- Limit concentration. Account counts are a net retained-contract plan, not demand evidence. Record cancellation notice, access, standards, invoice approval and the effect of losing the largest client.
The unit-economics guide shows why 10 standard accounts clear recurring cash commitments while nine do not. The startup guide separates portable equipment from available cash.
Broad SBA activity is context, not a contract book
The official June 30, 2026 snapshot contains 457, 563 and 590 disbursed-status records in approval FY2023, FY2024 and FY2025 for NAICS 561720. The three-year total is 1,610. Included statuses are PIF, CHGOFF and EXEMPT; COMMIT and canceled/not-funded records are excluded. A fiscal approval cohort does not mean the loan was disbursed in that fiscal year. Official SBA dataset.
Census calls this broad category Janitorial Services. It includes more formats and sizes than this small ordinary-office route, and ownership changes as well as new-business labels. The counts do not measure search demand, exact-format approvals or the probability of receiving a loan. NAICS scope.
Prepare walkthrough records, a paid roster, delivered quotes, insurance requirements, owner funds and a monthly receivables schedule before discussing funding. The financing guide reconciles the modeled request. This edition has five guides; the full owner-generated business-plan example remains deferred.
Explore this business
This edition contains five planning guides. A full business-plan example for this format is not yet published.
Sources and scope
- BLS: Janitors and Building Cleaners · Checked 2026-10-04 · National occupation median May 2025; page modified August 27, 2026. Not an Ohio recruiting offer or customer billing rate.
- SBA Loan case methodology (provided local source) · Checked 2026-10-04 · Author-selected case inputs; not observed price, demand or underwriting. Inspected provided content/methodology.html; remote fetch unavailable.
- DOL: Travel Time · Checked 2026-10-04 · Federal work-time guidance: workday travel versus ordinary commute; actual coverage/arrangement matters.
- EPA: cleaning, sanitizing and disinfecting · Checked 2026-10-04 · Page updated October 8, 2025. Any disinfectant task requires intended-site/label and wet contact-time review.
- Census 2022 NAICS: Janitorial Services · Checked 2026-10-04 · 2022 broad classification 561720 inspected; not exact owner-led office route.
- Ohio Revised Code 4123.01: Workers compensation definitions · Checked 2026-10-04 · Effective September 23, 2022; relevant businesses with one or more employees are in scope, with entity/owner exceptions.
- SBA 7(a) and 504 FOIA dataset · Checked 2026-10-04 · Official page inspected October 4. Profile uses June 30, 2026 snapshot, hash-verified and independently recomputed locally. Broad 561720, aggregate only.