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Cleaning business projections that show a lender how you'll pay them back.

Cleans a day, price per clean and cleaner pay go in. Monthly cash flow, 5-year profit and loss and the loan coverage ratio come out, ready to send.

  • Laid out the way SBA lenders ask: assumptions, year one by month, loan payment, DSCR.
  • Starts as a realistic cleaning business, so you change what's different about yours instead of starting blank.
  • Plain formulas: click any cell and see where it comes from. Excel and Google Sheets.
Available this week $39 one payment · instant download

What your lender checks, and where it is in the file

Can the business cover the loan payments? Annual · DSCR
Does cash go below zero while sales ramp up? Annual · Lowest cash
What does year one look like month by month? Monthly · months 1-12
Where does the money come from, and where does it go? Sources & Uses
How much are you putting in yourself? Sources & Uses · owner share
What sales do you need to break even? Annual · Break-even
Where did each assumption come from? Assumptions · notes
Can you explain the numbers? plain formulas, no macros

You type the blue cells

  • Sales drivers and prices for your business
  • Who you'll pay and from which month
  • Rent, insurance and other monthly costs
  • Startup costs and the loan terms

The file works out

  • 60 months of profit and loss and cash flow
  • 5-year summary with margins and growth
  • Loan payment, interest and DSCR by year
  • Sources and uses, and break-even

The numbers a cleaning business forecast is built on

A cleaning business is cheap to start and easy to under-price. The numbers that matter are how many cleans each cleaner can do in a day, what you charge, and how much of that goes to labor. This template separates recurring home cleans, deep cleans and commercial contracts, and adds cleaners as the business grows.

Cleans per working day
For the whole team; each cleaner typically does 3 to 5 standard cleans a day.
Price per clean
Standard residential cleans are commonly $150 to $250.
Labor
Often 40% to 50% of revenue; the biggest cost.
Supplies
Around 5% of revenue.
Recurring vs one-time
Recurring clients smooth revenue; deep and move-out cleans pay more per job.
Commercial contracts
Monthly office contracts add steady revenue; model them as their own stream.

Questions

Should I pay cleaners hourly or per job?

Either; enter the monthly cost per cleaner either way. If you use contractors, put their cost in direct cost %.

How fast can a cleaning business grow?

Mostly as fast as you can hire and keep good cleaners; the template adds two cleaners from month 7.

Do I need a loan?

Often not. Set the loan to zero and the template works from owner investment alone.

Will my lender accept it?

It includes what lenders commonly ask for: assumptions, year one by month, five annual years, the loan payment and DSCR, and sources and uses. Formats vary, so check your lender's list; every sheet is editable.

Does it work in Google Sheets?

Yes. Open the .xlsx in Google Sheets and every formula keeps working. It also works in Excel and LibreOffice.

Is it tax or legal advice?

No. It is a planning tool. Tax is a flat rate on profit; ask your accountant for your real rate.

Cleaning Business Financial Projections Template

Available this week $39 one payment · instant download

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