Industry Qualification
Security Companies fall under an eligible industry classification (Security Guards and Patrol Services). Security firms pay guards weekly and bill clients monthly, and the review reads how the business carries that payroll gap.
✓ Checking what a security company qualifies for does not affect your credit score.
Guard and patrol companies invoice commercial, residential and event clients on monthly or biweekly cycles, often with net-30 terms, while officers are paid every week or two.
Funding typically covers payroll for new contracts, patrol vehicles, licensing and training, or technology like guard-tour systems.
Payroll goes out before client payments; an average balance near 10% of monthly revenue shows the firm can carry that gap. ADB explained →
Firms operating three or more years are strongest, and newer firms with signed contracts are funded regularly. Time tiers →
Payroll runs that land before a client pays can cause negative days — fewer than 3 a month keeps the file in range. Exact limits →
An advance taken to staff a previous contract is reviewed with the file. Refinance options →
Revenue is largely contractual and steady, with event and holiday staffing adding peaks. New contracts mean hiring and training officers before the first invoice is paid.
Officer payroll, licensing, insurance and vehicles are the main costs, and clients commonly pay 30 days or more after invoicing.
Hiring and paying officers before the first invoice clears.
Marked cars or carts for mobile patrol routes.
State guard licenses and certifications.
Technology that wins and retains clients.
Outfitting new officers.
A security company won a hospital campus contract and must hire and train twelve officers before the first monthly invoice is paid.
Its statements show about $98,000 a month in deposits and an average daily balance near $9,400 — roughly 10% of monthly revenue, right around the 10% benchmark.
A request of $60,000 on a line of credit is about 61% of one month's deposits for this security company, which keeps the payment proportionate to what comes in.
Illustrative figures for a sample security company, not an offer; real amounts, terms and cost depend on the full file.
Have recent business bank statements ready; contract payments show real volume.
Contract-payment regularity, years in business and existing positions drive the review, alongside credit.
You see the amount, term and total cost before signing, so payments match invoicing cycles.
Following signature, money typically lands the next business day, before the new contract starts.
Yes. Covering payroll before the first client payment is the most common use for security firms.
Contract deposits determine the amount, from $10,000 to $350,000 on a line or $10,000 to $250,000 on a term loan.
Not by themselves; the review looks at how the account handles the gap.
Yes. A balance from staffing an earlier contract is part of the review.
No effect on the credit score, and security firms get a same-day decision.
Officer payroll or patrol vehicles — security companies get a same-day decision, with credit left untouched.
