SBA loans by business type
SBA Loans for Cleaning Businesses
SBA lenders funded 7,612 7(a) and 504 loans for cleaning businesses since FY2010 (0.7% of all SBA lending in the data), totaling $1.7B, an average of $228K per loan. The most active lender is Wells Fargo Bank National Association.
By Mario Bailey · Source: SBA FOIA data, FY2010–2026 (as of 2026-03-31)
These figures are computed from the SBA's public 7(a) and 504 funded-loan records for Janitorial and Carpet Cleaning Services (NAICS 56172 / 56174). They cover funded loans, not applications, so a lender's activity here is a track-record signal — not a guarantee you will be approved. Among the 7(a) loans, the charge-off rate is 5.0% — a relative track-record signal, not a lifetime default rate (504 charge-offs are not reported in the SBA data); see our methodology. Estimate a payment with the SBA loan calculator, or check the basics with the eligibility checker.
Top SBA lenders in Administrative and Support, the sector that includes cleaning businesses
Ranked by SBA loans funded across Administrative and Support (NAICS 56), the full sector that contains Janitorial and Carpet Cleaning Services (NAICS 56172 / 56174). The sector is broader than cleaning businesses alone, and sector level is the granularity our per-lender track-record data supports, so every figure below, including the 7(a) charge-off rate, is sector-wide, not specific to cleaning businesses. Charge-off is reported on 7(a) loans, never on 504 loans, so a lender without a reliable 7(a) sample in the sector shows “not reported,” never 0%. A lender active in your situation is a good place to start; talk to a few before you apply.
| # | Lender | Loans | Total funded | Average loan | 7(a) charge-off |
|---|---|---|---|---|---|
| 1 | The Huntington National Bank | 4,519 | $855.1M | $189K | 2.59% |
| 2 | Wells Fargo Bank National Association | 3,059 | $637.7M | $208K | 6.24% |
| 3 | TD Bank, National Association | 2,395 | $229.0M | $96K | 6.89% |
| 4 | JPMorgan Chase Bank, National Association | 2,184 | $374.4M | $171K | 5.68% |
| 5 | U.S. Bank, National Association | 1,991 | $390.4M | $196K | 3.11% |
| 6 | Manufacturers and Traders Trust Company | 1,439 | $158.3M | $110K | 2.92% |
| 7 | United Midwest Savings Bank National Association | 1,434 | $234.2M | $163K | 9.62% |
| 8 | PNC Bank, National Association | 903 | $125.7M | $139K | 6.76% |
| 9 | Celtic Bank Corporation | 859 | $208.1M | $242K | 12.22% |
| 10 | BayFirst National Bank | 859 | $169.0M | $197K | 6.64% |
SBA 7(a) and 504 loans, FY2010–2026, as of 2026-03-31, from the SBA's public record.
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Top states for cleaning businesses SBA loans
| State | Loans | Total volume |
|---|---|---|
| California | 729 | $224.3M |
| Florida | 618 | $143.2M |
| Texas | 526 | $138.3M |
| New York | 379 | $73.9M |
| Illinois | 278 | $71.0M |
| Ohio | 429 | $69.7M |
| Colorado | 193 | $68.7M |
| Minnesota | 199 | $54.4M |
| Michigan | 269 | $52.9M |
| Pennsylvania | 268 | $51.6M |
SBA lending for cleaning businesses by year
Funded SBA volume by approval fiscal year (FY2010–2026).
SBA loans for cleaning businesses: frequently asked questions
Can you get an SBA loan for cleaning businesses?
Yes. Lenders funded 7,612 SBA 7(a) and 504 loans for cleaning businesses in the public data (as of 2026-03-31), 0.7% of all SBA lending, totaling $1.7B.
How much is a typical SBA loan for cleaning businesses?
The average SBA loan for cleaning businesses is $228K, across 7,612 funded loans. Your amount depends on use of funds, cash flow, and the lender.
Which SBA lenders fund cleaning businesses?
Wells Fargo Bank National Association, The Huntington National Bank, Live Oak Banking Company are among the most active SBA lenders for cleaning businesses by funded volume. A lender that regularly funds your situation is more likely to understand the deal.