Business funding for security guard and patrol companies
Security companies staff guards who need to be paid weekly, then bill commercial and government clients on 30 to 60 day contract terms. As a company adds sites or wins a larger contract, payroll grows before the corresponding invoice is collected, which is the core funding problem in this trade.
- One application, several lenders
- No credit pull to see your options
- No fee to you, ever
Common funding needs
- Meeting weekly guard payroll ahead of client contract payment
- Staffing up quickly after winning a new site or government contract
- Financing patrol vehicles or surveillance equipment
- Covering licensing, bonding and insurance renewal costs
What usually fits
Products that usually fit
- Invoice factoring converts billed guard hours into cash before commercial or government clients pay.
- Line of credit for payroll and bonding costs between billing cycles.
- Equipment financing for patrol vehicles and surveillance systems.
- Working capital for a short staffing ramp on a new contract.
Compare term loans, lines of credit, cash advances and equipment financing side by side →
Illustrative example
A worked example
A security company bills $80,000 for a month of guard coverage to a commercial property client on 45-day terms. With factoring at an illustrative 90% advance, it receives about $72,000 within days. At an illustrative 2.5% fee for the period outstanding, the fee is roughly $2,000, with the rest paid once the client settles.
Illustrative only: real advance rates and fees depend on the client's payment history and contract size.
Illustrative example only, not an offer or a quote. Rates, fees and terms are set by each lender and depend on your business. Fees are not included unless stated.
Underwriting
What lenders look at
- Contract terms and how reliably each client pays
- Guard licensing, bonding and liability insurance in good standing
- Payroll size relative to monthly billed revenue
- Government versus commercial client mix (government can pay slower)
- Owner credit and time in business
Honestly
Who this is not for
- A newly licensed company with no signed contracts yet
- Staffing up for a contract before it is signed
- A company whose bonding or licensing has lapsed, until that is resolved
If borrowing does not make sense, we will say so.
Are you a match?
Lender network minimums
Close but not quite there? Apply anyway and we will tell you honestly what is possible.
*Best available terms from lenders in our network. Every lender sets its own criteria; approval, amount and funding time are decided by the lender and not guaranteed.
| Time in business | 1 year+ |
|---|---|
| Monthly bank deposits | $20,000+ |
| Credit score | 500+ |
| Bank account | Business |
| Fee to you | $0 |
| Credit pull to start | None |
FAQ
Security guard & patrol companies funding questions
Can factoring work with government security contracts?
Often yes, though government accounts payable can be slower and some factoring companies specialise in it. Tell us who the client is.
Do lenders check our guard licensing and bonding?
Yes, in most cases, since it is core to operating legally in this trade. Keeping it current speeds up approval.
Can I finance patrol vehicles?
Yes, through equipment or vehicle financing, with the vehicle securing the loan.
What if we're a new company with an owner's operator history but no company track record?
Some lenders will weigh the owner's industry experience alongside the company's short history. Tell us the full picture.
Guides
Guides for security guard & patrol companies
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Where we work: all US states · all Canadian provinces
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