Industry
Contracts invoice monthly at 30-45 days while guard payroll runs weekly.
✓ Checking what you qualify for does not affect your credit score.
Security companies are classified under Security Guards and Patrol Services, which is an eligible category. That takes industry off the table and leaves the same four things every file is read on: average daily balance against revenue, time in business, negative days and NSFs, and existing positions.
Contracts invoice monthly at 30-45 days while guard payroll runs weekly.
In California that usually means capital goes to guard payroll between invoices, uniforms, vehicles, licensing, a newly won contract.
Contract-driven; event work is seasonal.
California funds here, with extra restrictions on the revenue-based tier. The line of credit and term loan are unaffected.
Most of this activity sits around Los Angeles, San Diego, San Jose, San Francisco, Fresno and Sacramento.
We fund businesses in all 50 states. California and New York carry extra restrictions on the revenue-based tier.
State licensing for guards and agencies applies. Licensing is not a funding threshold here, but an expired licence shows up in diligence.
The California economy runs on the largest small-business economy in the country, and security companies here largely track that base rather than the weather.
Wildfire exposure also means insurance premiums and business-interruption risk sit higher here than the national average, which shows up in fixed costs.
Tier 1: 650 FICO, 3 years in business, $300,000 a year or $25,000 a month, 8+ monthly deposits.
Tier 2: 600 FICO, 6 months in business, $60,000 revenue, $800 minimum daily balance.
Renewal: 550 FICO, 2 years in business, once 50% of the original balance is repaid.
The minimum FICO is 500. The 650/600/550 tiers are product criteria that decide which product a file is read against, not a floor on the business. Scores in the 500s are placed routinely and are read on revenue, deposit consistency and time in business rather than on the score alone.
Yes. Security companies are classified under Security Guards and Patrol Services, which is an eligible category .
The minimum FICO is 500. The 650/600/550 tiers are product criteria that decide which product a file is read against, not a floor on the business. Scores in the 500s are placed routinely and are read on revenue, deposit consistency and time in business rather than on the score alone.
Same-day decision and next business day funding on a complete file — the application plus three months of business bank statements.
Contract-driven; event work is seasonal. Underwriting reads the average and the deposit count, not the peak month.
Same-day decision. Applying takes a few minutes and will not affect your credit score.
