Staff the new post, buy the gear and carry payroll until the client pays. $25,000 to $5,000,000, funding in as little as 24 hours for qualified businesses.
Fund My ContractSecurity Contract Funding
Large security contracts pay on net terms while officers get paid every week. We bridge that timing so you can say yes to the work you just won.
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.
A 5-minute application, about three months of bank statements and no tax returns. Funding in as little as 24 hours for qualified businesses.
FICO 500+ is considered. Your deposit history from current clients matters more than a single score.
The full repayment amount is shown in your offer before you accept. No surprise costs after you sign.
The schedule is laid out up front so you can line it up against the contract's payment terms.
Fast decisions. Applying takes about 5 minutes.
A short application. A soft credit pull to start.
We review revenue, time in business and bank activity, not just a credit score.
You see the amount, the schedule and the full repayment amount before you sign.
Funding in as little as 24 hours for qualified businesses.
A big win for a security company, such as a hospital campus, a distribution center, a construction site or a property management portfolio, usually starts with costs. You may need a dozen new officers on the schedule, uniforms and radios, a supervisor vehicle and overtime to cover the transition. Meanwhile the client pays on 30, 45 or 60 day terms.
Merchant Fund Express offers funding for a big contract for security services businesses so you can staff the job without stalling your other posts.
| Cost | When it hits |
|---|---|
| Hiring, background checks, training | Two to four weeks before start |
| Uniforms, radios, body cams | Before day one |
| Payroll for new officers | Every pay cycle from start |
| Site equipment or vehicles | At mobilization |
For illustration, a company adding 15 officers might carry several payroll cycles before the client's first payment clears. That float is what contract funding covers.
We do not underwrite the new contract itself. We look at your existing business: about three months of bank statements, how consistent deposits have been, and what you already owe. FICO 500+ is considered, sole proprietors can apply, and no tax returns are required. We start with a soft credit pull.
If you expect several contracts to start through the year, compare a line of credit with a lump-sum merchant cash advance. Our side-by-side comparison breaks down the difference.
Your offer lists the total repayment amount and the payment schedule before you accept. Hold it up against the contract's billing terms and make sure the margins work. If they do, accept and funding can land in as little as 24 hours for qualified businesses. Apply in about 5 minutes.
It can help us understand the plan, but the offer is based mainly on your current bank deposits and existing obligations.
Yes. Covering officer payroll until the client pays is one of the most common uses, along with uniforms, equipment and vehicles.
Tell us. Your offer shows the full repayment schedule up front, so you can check it against the billing cycle before you accept.
Funding ranges from $25,000 to $5,000,000. The amount depends mainly on your deposits and what you already owe.
No single factor decides it. FICO 500+ is considered, and deposit consistency carries a lot of weight.
Yes. Sole proprietors can apply. We look at the deposits running through your business account, your current obligations and the overall consistency of your revenue, the same way we review any other security company.
Example uses for illustration only.
Before you apply for contract funding, a little prep goes a long way.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding