Merchant Fund Express
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Revenue-Based Financing for Security Services

Funding sized around the recurring deposits from your guard, patrol, alarm, and event contracts. Soft pull to start, no tax returns required.

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Revenue-Based Financing

Let recurring contract revenue drive the offer

Security firms run on recurring client payments. Revenue-based financing looks at those deposits directly, so the funding reflects how your business actually performs.

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.

Financing that follows your deposits

Short application, quick decision

About 5 minutes to apply and roughly three months of statements. Qualified firms can be funded in as little as 24 hours.

Flexible on credit

FICO 500+ is considered. Your deposit history carries real weight.

Total cost in your offer

You see the full repayment amount before you accept. There are no surprise costs after you sign.

Schedule set out in advance

Your repayment schedule is in the offer, so you can match it to your contract income.

Waiting on deposits to land?

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.

Funding sized by what comes in

Revenue-based financing looks at the money flowing into your business and sizes funding around it. For security companies, that tends to suit the way the business works. Contracts with property managers, retailers, hospitals, and event venues produce recurring deposits, and those deposits are a direct read on the size and health of the operation.

Rather than leaning on collateral or years of tax returns, the review centers on about three months of business bank statements.

Why it suits contract-driven security firms

Security revenue is often recurring but uneven in timing. A guard company might have 20 monthly accounts, a few that pay quarterly, and a seasonal spike from events. Revenue-based financing can reflect that real pattern instead of a single annual figure on a tax form.

Good fits

What to expect

The application takes about five minutes and starts with a soft credit pull. No tax returns are required, and FICO scores from 500 up are considered. The amount you are offered depends mainly on your deposits and on obligations you already carry.

Your offer lays out the full repayment amount and the repayment schedule before you accept. If you are qualified and accept, funding can arrive in as little as 24 hours.

Planning the use of funds

Revenue-based financing works best when the money goes toward something that supports revenue. For illustration, an alarm company might use it to hire two more install technicians to clear a backlog, or a guard firm might fund recruiting and training ahead of a new large contract. Tie the request to a specific plan and the repayment has a clear source. It also helps to think about timing. If the new technicians will take a few weeks to get up to speed, or the new contract bills a month after it starts, build that lag into the amount you request so you are not short halfway through.

Comparing your options

If you want repeat access to funds, a line of credit may suit you better. If you are buying vehicles or systems, look at equipment financing for security services. Funding across our products runs from $25,000 to $5,000,000 for established businesses with steady deposits.

Frequently Asked Questions

How is revenue-based financing different from a bank loan?

It is sized mainly from your deposit history rather than collateral and tax returns. The review uses about three months of business bank statements.

Does monitoring income count?

Recurring monitoring payments that land in your business account are part of the deposit history we review.

What if my revenue is seasonal?

Seasonal swings are common in event and retail security. Funders weigh the overall pattern, so steady deposits across the year help.

Are there surprise costs later?

No. The full repayment amount is shown in your offer before you accept, and nothing new is added after you sign.

Can I apply as a sole proprietor?

Yes. Sole proprietors can apply, as long as the business shows steady deposits.

Install techs $52,000.00
Recruiting push $29,000.00
New patrol route $36,000.00
Event season $47,000.00

Example uses for illustration only.

How to improve your chances

Clear deposit records make revenue-based financing easier to size.

  • Route all contract and monitoring payments to one account
  • Keep three months of clean statements on hand
  • Know which clients pay monthly versus quarterly
  • Note existing financing payments before applying

Revenue-based financing vs a typical bank loan

Merchant Fund Express
Traditional bank loans
Based on
Your deposit history
Collateral and tax returns
Documents
About 3 months of bank statements
Years of financials
Credit
FICO 500+ considered
Strong credit usually expected
Speed
As little as 24 hours if qualified
Weeks of underwriting
First credit check
Soft pull
Hard pull is common

Put your recurring revenue to work

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

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