(800) 949-0401 Apply NowEquipment, vehicles, crews, and contracts -- Crestmont Capital funds window cleaning businesses at every stage of growth.
Window cleaning businesses face financing challenges that are unique to the industry -- and that make conventional bank lending a poor fit for most operators at the growth stage.
In northern markets, window cleaning revenue may drop 50-70% in December through February compared to peak spring and fall months. Bank underwriters who see this pattern on tax returns often interpret it as an unstable business -- even when annual revenue is strong and growing. Alternative lenders that evaluate month-by-month bank statements understand seasonal patterns and can approve financing based on the 12-month revenue trend rather than penalizing normal seasonal variation.
The difference between a $200,000/year window cleaning operation and a $600,000/year operation is almost entirely equipment and crew. Water-fed pole systems, pure water systems, and boom lift ownership allow one crew to service buildings that previously required multi-day scaffolding setups -- dramatically increasing output per crew per day. Equipment investment is not optional for competitive commercial window cleaning; it is the primary lever for revenue growth. Equipment financing allows operators to invest in productivity-multiplying equipment without depleting working capital reserves.
A window cleaning company that wins a net-30 or net-60 commercial contract must pay its workers weekly, maintain equipment, and keep vehicles fueled and insured -- all before the invoice is paid. At $40,000/month in commercial revenue on net-30 terms, that is a $40,000 working capital gap that must be bridged every month. Business lines of credit and working capital loans are specifically designed to bridge this timing gap.
Adding a window cleaning crew means a vehicle, equipment, uniforms, training, and 30-60 days of payroll before the crew generates enough revenue to cover its own costs. For a business growing from 2 crews to 4 crews, that ramp-up period can require $60,000 to $120,000 in capital that the business simply cannot self-fund. Growth financing through working capital loans or lines of credit makes this scaling possible without the multi-year savings period that would otherwise be required.
Several financing products are suited to the window cleaning industry. Understanding the best fit for your specific need saves time and money:
Equipment loans finance specific assets secured by the equipment itself. Water-fed pole systems ($3,000 to $12,000), pure water filtration units ($4,000 to $18,000), and water tanks and delivery systems ($2,000 to $8,000) are all eligible for equipment financing. Payments typically start at $150-$500/month depending on equipment value and term. Equipment loans require an invoice or supplier quote and close in 24-72 hours. The equipment serves as collateral, keeping rates lower than unsecured loans.
Service vehicles for window cleaning represent significant investment -- especially when outfitted with water tanks, a pure water system, ladder racks, and pressure washing equipment. A fully outfitted window cleaning truck or van runs $55,000 to $85,000. Commercial vehicle financing through Crestmont Capital can cover both the vehicle and upfit costs in a single loan, with terms from 36 to 72 months. Both new and used vehicles up to approximately 10 years old are eligible.
Working capital loans provide unsecured cash for any business purpose -- hiring and training new crew members, bridging commercial invoice payment cycles, marketing for new commercial accounts, or covering operating costs during winter slow periods. Approval is based on 3-6 months of business bank statements. Window cleaning companies with $12,000/month or more in gross revenue qualify for loan amounts from $12,000 to $500,000.
A revolving line of credit is the ideal tool for managing seasonal cash flow in window cleaning. Draw during slow winter months, repay during peak spring and fall revenue. Lines from $10,000 to $250,000 are available for established businesses. This avoids carrying long-term debt during peak seasons while ensuring capital is available when needed.
Owning boom lift equipment removes rental dependency and dramatically reduces per-job costs for high-rise and commercial facade work. A used 40-foot boom lift can be financed for approximately $500-$900/month over 48 months -- typically less than renting the same lift three times per month. Equipment loans for boom lifts and scissor lifts follow the same structure as other equipment financing, with the lift serving as collateral.
SBA 7(a) loans support large-scale expansion -- buying a building for a commercial cleaning depot, acquiring a regional competitor, or funding a multi-vehicle fleet expansion. Terms up to 10 years for equipment, competitive rates, and loan amounts from $50,000 to $5 million. Approval timeline is 30-90 days and requires full documentation.
Equipment, vehicles, working capital, seasonal bridge -- Crestmont Capital has the right product for your window cleaning business. Fast decisions, transparent terms.
Apply Now| Requirement | Equipment Loan | Working Capital | SBA Loan |
|---|---|---|---|
| Minimum Time in Business | 12 months | 6 months | 24 months |
| Minimum Monthly Revenue | $8,000 | $12,000 | $15,000 |
| Minimum Credit Score | 580 | 550 | 650 |
| Collateral Required | Equipment | None | May be required |
| Approval Time | 24-72 hours | 24 hours | 30-90 days |
| Key Documents | Bank stmts + invoice | Bank statements | Full package |
A two-crew window cleaning company in Nashville wants to move into commercial accounts but lacks the water-fed pole and pure water filtration equipment required for professional commercial work. Equipment needed: two IPC Eagle water-fed pole systems at $5,500 each ($11,000), one Xline Systems pure water filtration unit ($9,800), water storage tanks and fittings ($3,200). Total: $24,000. Equipment loan at 36 months: approximately $750/month. First new commercial office account secured within 60 days: $3,200/month recurring. The equipment pays for itself in 8 months of a single account -- while serving multiple accounts simultaneously.
A commercial window cleaning operation in Seattle with two crews and $55,000/month in revenue has been offered a contract to service a portfolio of 12 medical office buildings at $8,500/month. The contract requires dedicated staffing. She needs one more van ($52,000 outfitted), equipment ($18,000), and 60 days of payroll bridge ($14,000). Total: $84,000. Working capital loan at 18 months: approximately $5,200/month. New contract: $8,500/month. Net new revenue after loan payment: $3,300/month, growing to $8,500/month when the loan is repaid in 18 months.
A window cleaning company in Phoenix pays $1,100 per day to rent a 45-foot boom lift for high-rise commercial facade work. They use a lift approximately 12 days per year ($13,200 in annual rental costs). A comparable used boom lift is available for $42,000. Equipment loan at 48 months: $1,050/month. Annual ownership cost: $12,600. Savings vs. renting: break-even in year one, then $13,200/year savings going forward -- plus the ability to offer boom-lift services to more clients on demand rather than scheduling around rental availability.
A residential and commercial window cleaning company in Chicago generates $65,000/month from April through October but drops to $22,000/month from November through March. He uses a $40,000 line of credit to cover the winter revenue gap -- drawing approximately $25,000 over the winter months to cover payroll, vehicle payments, and insurance. He repays the line fully by June each year from spring peak revenue. The line of credit costs approximately $2,800 in annual interest -- far less than the cost of laying off workers and rehiring each spring.
Equipment, seasonal bridge, crew expansion, or commercial contract capital -- Crestmont Capital delivers the financing your window cleaning business needs to grow.
Get My Options| Option | Best For | Typical Amount | Term | Speed |
|---|---|---|---|---|
| Equipment Loan | WFP systems, filtration, lifts | $5K-$250K | 24-60 mo | 1-3 days |
| Vehicle Financing | Service vans and trucks | $20K-$150K | 36-72 mo | 1-3 days |
| Working Capital | Crew scaling, bridge | $10K-$500K | 6-24 mo | 24 hours |
| Line of Credit | Seasonal cash flow | $10K-$250K | Revolving | 2-5 days |
| Short-Term Loan | Emergency, opportunity | $5K-$250K | 3-18 mo | Same day |
| SBA Loan | Large expansion | $50K-$5M | Up to 10 yr | 30-90 days |
Window cleaning is a seasonal, equipment-driven service business that requires a lender who understands the industry's cash flow reality. Crestmont Capital has been providing financing to trades and service businesses since 2015, and our approach is fundamentally different from traditional bank lending.
Equipment, vehicles, seasonal bridge, or commercial contract capital -- Crestmont Capital delivers fast financing built for window cleaning companies. Apply in 10 minutes.
Start My ApplicationDisclaimer: The information provided on this page is for general informational and educational purposes only and does not constitute financial, legal, or tax advice. Loan terms, interest rates, approval amounts, and eligibility requirements vary based on individual creditworthiness, business financials, and other factors. All financing is subject to credit approval. Crestmont Capital LLC -- Licensed lender. All rights reserved.
