Merchant Fund Express
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Business Line of Credit for Security Services

Draw what you need for payroll swings, event staffing, and gear, then use it again. Soft pull to start and about three months of bank statements.

Check My Limit

Business Line of Credit

Flexible funds for uneven security costs

Late client payments, busy event weekends, and worn-out gear rarely line up neatly. A line of credit lets you cover each one as it comes instead of guessing up front.

As fast as
24 hours

Amount to request

$85,000.00

Funding range$25K to $5M

*Sample amounts shown. Your actual offer depends on your business and is reviewed before approval.

A line built for guard, patrol, and alarm firms

Fast answers, few documents

A 5-minute application and roughly three months of statements. Qualified businesses can access funds in as little as 24 hours.

Room for imperfect credit

FICO scores from 500 up are considered, and your deposit history counts for a lot.

Clear costs before you accept

Your offer shows the full repayment amount up front, and there are no surprise costs after you sign.

Repayment laid out in advance

The schedule is in the offer, so you know what each draw means for cash flow before you commit.

Need capital this week?

Fast decisions. Applying takes about 5 minutes.

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How it works

Apply in minutes

A short application. A soft credit pull to start.

Fast decision

We review revenue, time in business and bank activity, not just a credit score.

Review your offer

You see the amount, the schedule and the full repayment amount before you sign.

Get funded

Funding in as little as 24 hours for qualified businesses.

Why a line fits the rhythm of security work

Security revenue tends to be steady, but the costs around it are not. One month you need extra officers for a string of weekend events. The next, a patrol car needs a transmission and a client asks you to add cameras to a site. A lump sum can feel like too much or too little at different moments.

A business line of credit gives you a limit you can draw from when a need shows up. You use what you need, repay it, and the room becomes available again. For operators who face lots of medium-sized surprises instead of one big one, that flexibility is the main appeal.

Situations where a line earns its place

If your pattern is mostly seasonal, our slow season funding page covers how security owners plan around quieter months.

How qualifying works

We look at about three months of business bank statements to understand your deposits and current obligations. There is no need for tax returns. FICO scores from 500 up are considered, and the process starts with a soft credit pull. Your limit depends mainly on those deposits and on what you already owe.

The application takes about five minutes. Decisions move quickly, and qualified businesses can have access to funds in as little as 24 hours.

Using a line responsibly

A line of credit works best when you treat it as a tool for timing, not as extra revenue. A few practical habits help:

  1. Draw for a specific purpose, like a payroll cycle that lands before a client payment.
  2. Pay it down when that payment arrives, so the room is there for the next gap.
  3. Watch how often you are drawing. Constant use can signal a pricing or collections problem worth fixing at the source.

Line of credit or lump sum?

If you have one large, defined need, such as staffing a new contract or buying a fleet of patrol vehicles, a single lump sum or equipment financing may fit better. We compare the two directly in line of credit vs merchant cash advance for security services.

Frequently Asked Questions

How does a line of credit differ from working capital?

A line is a form of working capital. The difference is that you draw from a limit as needs come up instead of receiving everything at once.

What documents do I need?

About three months of business bank statements and the 5-minute application. No tax returns are required.

Can a newer guard company apply?

We work with established businesses that show steady deposits. If your statements show consistent client payments, it is worth applying to see what is available.

Does applying hurt my credit?

We start with a soft credit pull, which does not carry the impact of a hard inquiry.

Will I know the costs before I draw?

Your offer shows the full repayment amount and schedule before you accept, so you can review the numbers before committing.

Event staffing $22,000.00
Body cameras $18,000.00
Patrol car repair $9,500.00
Late client gap $40,000.00

Example uses for illustration only.

How to improve your chances

A few simple steps can strengthen the limit you are offered.

  • Keep deposits flowing through one business account
  • Chase overdue client invoices before applying
  • Avoid frequent overdrafts in the months before you apply
  • Know your existing monthly obligations

Our line of credit vs a typical bank line

Merchant Fund Express
Traditional bank loans
Decision speed
Fast, funds in as little as 24 hours
Weeks of underwriting
Documents
About 3 months of bank statements
Tax returns, financials, collateral
Credit
FICO 500+ considered
Strong credit usually required
Application
About 5 minutes
Long forms and meetings
Credit check to start
Soft pull
Hard pull is common

Have funds ready for the next surprise

One secure application. A soft credit pull to start. No obligation to accept an offer.

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