Why security companies in San Diego qualify
Security companies in San Diego are classified under Security Guards and Patrol Services, an eligible category. Industry is therefore not the question; the four things every file is read on are.
The cash-cycle problem
Contracts invoice monthly at 30-45 days while guard payroll runs weekly.
In San Diego that usually means capital goes to guard payroll between invoices, uniforms, vehicles, licensing, a newly won contract.
What applies in San Diego
San Diego runs on defence, biotech and a year-round tourism economy.
California carries extra restrictions on the revenue-based tier here; the line of credit and term loan are unaffected.
State licensing for guards and agencies applies.
The published thresholds
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.
There is no hard credit cutoff here. The 650/600/550 tiers are product criteria, not a floor on the business. Scores in the 500s are placed routinely, and files in the 400s are read on revenue, deposit consistency and time in business rather than on the score alone.
Questions
Do you fund security companies in San Diego?
Yes. The category is eligible; the file is read on revenue, deposits, time in business and existing positions.
What credit score is needed?
There is no hard credit cutoff here. The 650/600/550 tiers are product criteria, not a floor on the business. Scores in the 500s are placed routinely, and files in the 400s are read on revenue, deposit consistency and time in business rather than on the score alone.
How fast can funding arrive?
Same-day decision and next business day funding on a complete file.
What if revenue is seasonal?
Contract-driven; event work is seasonal. Underwriting reads the average and the deposit count, not the peak month.