Merchant Fund Express
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Expansion Funding for Security Services Companies

Add posts, patrol vehicles or a new branch without draining payroll reserves. $25,000 to $5,000,000, funding in as little as 24 hours for qualified businesses.

Check My Options

Security Services Expansion

Grow your security roster before the new client pays

Expansion means hiring, gear and vehicles up front while invoices pay on net terms. We fund that gap based on your bank deposits, not a stack of tax returns.

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.

Built for security operators who are growing

Fast decision, light paperwork

A 5-minute application and about three months of bank statements. No tax returns. Funding in as little as 24 hours for qualified businesses.

Credit is one factor, not the whole story

FICO 500+ is considered. We put more weight on steady deposits from your existing contracts.

Total cost shown up front

Your offer shows the full repayment amount before you accept. No surprise costs after you sign.

A schedule you can plan around

The repayment schedule is laid out in the offer, so you can line it up with client billing cycles.

Payroll before sales come in?

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.

Growing a guard or alarm company costs money before it makes money

Every security services operator knows the order of operations. You hire and train officers, outfit them, put vehicles on the road and stand up dispatch before the first invoice for a new post goes out. Then the client pays on net terms. Expansion in this industry is mostly a cash timing problem, and that is the gap we fund.

Merchant Fund Express provides expansion funding for security services businesses from $25,000 to $5,000,000. The application takes about 5 minutes, starts with a soft credit pull, and asks for roughly three months of business bank statements. No tax returns are required.

What security companies actually spend expansion capital on

Matching the product to the growth plan

Not every expansion needs the same structure. A one-time build-out of a new office often fits working capital. If you expect to add posts in waves over the next year, a business line of credit lets you draw as contracts land. Companies with strong card or ACH deposits sometimes look at revenue-based financing, where remittances track revenue.

We walk through the options with you so the structure follows how your cash actually comes in.

How we size an expansion offer

We look at your deposit history, how steady it is month to month, and what you already owe. FICO scores from 500 are considered, and sole proprietors can apply. The offer spells out the full repayment amount and the payment schedule before you accept, so you can map it against your contract billing calendar.

Ready to see numbers? Start your application.

Frequently Asked Questions

Can a smaller guard company get expansion funding?

Yes. We work with established security businesses that have steady deposits. Sole proprietors can apply, and there is no hard revenue minimum stated. Your bank statements drive the size of the offer.

How fast can expansion funding arrive?

Decisions move quickly, and funding can arrive in as little as 24 hours for qualified businesses once the offer is accepted.

Do I need a signed contract for the new location first?

No. A new contract can help explain the plan, but we primarily look at your existing deposit history and current obligations.

Will applying affect my credit?

We start with a soft credit pull, so checking your options does not begin with a hard inquiry.

Can I use the funds for hiring and payroll?

Yes. Expansion funding is commonly used for recruiting, training and early payroll at new posts, along with vehicles, gear and office costs.

Patrol vehicles $85,000.00
New branch office $60,000.00
Officer onboarding $40,000.00
Camera inventory $35,000.00

Example uses for illustration only.

How to improve your chances

A few steps can strengthen your expansion offer before you apply.

  • Keep deposits from all contracts in one business account
  • Pull your last three months of bank statements
  • List current financing balances and payments
  • Write a short note on the new posts or branch

Expansion funding: Merchant Fund Express vs. a typical bank

Merchant Fund Express
Traditional bank loans
Application time
About 5 minutes
Often days of paperwork
Tax returns
Not required
Usually required
Credit considered
FICO 500+
Often much higher
Speed to funds
As little as 24 hours
Often several weeks
Initial credit check
Soft pull to start
Hard pull common

Ready to staff the next contract?

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

Apply for Funding
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