Merchant Fund Express
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Line of Credit vs MCA for Security Companies

Cover guard payroll while clients pay on terms. Compare a revolving limit with a lump-sum advance and apply in about 5 minutes.

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Security Services Funding

Staff the new contract before the first invoice pays

Security firms often pay guards weeks before clients pay them. We help you match the funding to that cycle.

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.

Funding that fits security work

Speed with minimal paperwork

Apply in about 5 minutes with three months of statements. Qualified firms can be funded in as little as 24 hours.

Credit flexibility

FICO 500+ is considered, with heavy weight on your contract deposits.

Costs made clear

Your offer lists the full repayment amount before you accept. No surprise costs once you sign.

A predictable plan

The repayment schedule is in your offer up front, so you can match it to client pay cycles.

Cash flow tight this month?

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.

Payroll first, payment later

Security firms live with a timing problem. Guards get paid every week or two, but commercial clients often pay on net terms. Win a new contract for a warehouse, event venue or office park and you may carry weeks of payroll before the first invoice clears. Both a business line of credit and a merchant cash advance can cover that gap. The right one depends on whether the gap repeats or happens once.

Line of credit for ongoing contract gaps

If your book of contracts is steady and the gap shows up every pay cycle, a revolving limit can be the cleaner fit. Draw to cover payroll, repay when clients pay, and the room comes back for next month. It also gives you a buffer for overtime spikes during events or holiday coverage. See our line of credit for security services page.

Merchant cash advance for a single ramp-up

A merchant cash advance gives you one sum now, repaid from future deposits on a schedule in your offer. Owners often use it when a specific event drives the need:

More on our merchant cash advance for security services page.

How funders read a security business

Reviewers look closely at deposit consistency and client concentration. A firm with many mid-sized contracts reads differently from one that depends on a single big client. Neither is disqualifying on its own. Existing obligations also matter, since any new payment has to fit alongside what you already owe. Patrol vehicles or monitoring hardware may fit equipment financing better than either option above.

Getting started

The application takes about 5 minutes and starts with a soft credit pull. We review about three months of business bank statements; no tax returns are required. FICO 500+ is considered and sole proprietors can apply. Funding ranges from $25,000 to $5,000,000, and qualified firms can be funded in as little as 24 hours. Your offer shows the full repayment amount and schedule before you accept. Apply now.

Frequently Asked Questions

Which works better for guard payroll?

If payroll gaps repeat every cycle, a line of credit often fits. If one new contract is driving a one-time need, an advance is often simpler.

Does relying on one large client hurt my chances?

It is a factor reviewers weigh, not an automatic outcome. A clear deposit history helps tell the full story.

Can I use funding for cameras or patrol cars?

Yes. For specific vehicles or hardware, equipment financing may also be worth comparing.

What credit score do I need?

FICO 500+ is considered, and it is weighed alongside your deposits and current obligations.

How long does the process take?

The application takes about 5 minutes. Qualified firms can be funded in as little as 24 hours.

Can a new security firm with a few contracts apply?

We are built for established businesses with steady deposits. A newer firm with consistent client payments can apply, and reviewers will weigh how regular those deposits are and how many clients they come from.

Guard payroll $85,000.00
Radios & cameras $30,000.00
Patrol vehicle $52,000.00
Licensing & uniforms $26,000.00

Example uses for illustration only.

How to improve your chances

These steps help reviewers see the strength of your contracts.

  • Deposit every client payment into one business account
  • Keep signed contracts handy to explain new revenue
  • Spread revenue across more clients over time
  • List existing obligations clearly when you apply

Working with us vs a bank

Merchant Fund Express
Traditional bank loans
Application
About 5 minutes
Lengthy packages
Documents
About 3 months of bank statements
Returns and financials
Credit check
Soft pull to start
Hard pull common
Credit considered
FICO 500+
Usually higher
Timeline
As little as 24 hours if qualified
Weeks or longer

Fund your next security contract

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

Apply for Funding
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