Merchant Fund Express
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Inventory Funding for Security Services

Stock cameras, access control parts, radios and uniforms before the job starts. Funding from $25,000, in as little as 24 hours for qualified security firms.

Fund My Stock

Security services inventory

Have the parts on the shelf when the crew rolls out

Projects stall when stock is short. Apply in about five minutes with three months of bank statements and a soft credit pull, and buy at volume pricing.

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.

Inventory funding for security firms

Fast application, short list of docs

Five minutes to apply and about three months of business bank statements. No tax returns.

Flexible on credit

FICO 500+ considered. Your deposit history matters as much as your score.

Clear repayment total

The full repayment amount is shown in your offer before you accept. No surprise costs after you sign.

A schedule you know in advance

Your offer lays out the repayment schedule up front, so you can match it to project payments.

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.

Inventory looks different for every security firm

A guard company's inventory is mostly uniforms, radios, flashlights and body cameras for new hires. A firm that installs and services systems carries cameras, recorders, access control readers, door hardware, alarm panels, cable and sensors. Either way, the stock has to be bought before the job starts, and suppliers often offer better pricing on volume orders.

Inventory funding for security services lets you buy what upcoming contracts need without pulling from the account that covers officer payroll.

Common inventory uses

Choosing the right fit

For a single large order tied to a project, working capital for security services keeps it straightforward. If you restock install inventory several times a year, a business line of credit lets you draw per order. A merchant cash advance ties repayment to sales, which some firms with card-paying residential clients prefer. Your offer shows the full repayment amount and schedule before you accept.

What we look at

About three months of business bank statements, a five-minute application and a soft credit pull to start. No tax returns are required. FICO 500+ is considered and sole proprietors can apply. Funding runs from $25,000 to $5,000,000, depending mainly on your deposits and existing obligations, and qualified firms can be funded in as little as 24 hours. Apply here.

See how funders evaluate security firms for more detail.

Buy for jobs you have, not jobs you hope for

Inventory funded against signed or near-certain work turns into revenue quickly. A warehouse full of cameras for bids you might lose ties up cash. For illustration, a firm that just won a multi-building access control job might fund readers, controllers and door hardware for the whole project at once, then repay as the client's progress payments come in. Track what sits on the shelf longer than a quarter, and order less of it next time. Count stock before each new purchase so you are not paying twice for parts already sitting in a van or a back room.

Frequently Asked Questions

Can I use inventory funding for uniforms and radios for new guards?

Yes. Duty gear, uniforms and communication equipment for new hires are common uses.

Can an installer fund camera and access control stock?

Yes. Many firms fund install inventory ahead of a project so the crew is not waiting on parts.

How much inventory funding is available?

Funding ranges from $25,000 to $5,000,000, based mainly on your deposits and existing obligations.

Do you pay my supplier directly?

Funds go to your business account, so you can pay distributors and manufacturers the way you normally do.

Is a business plan or tax return required?

No. We use about three months of business bank statements and a five-minute application.

Camera install kit $44,000.00
Access control $58,000.00
Uniforms and gear $27,000.00
Radios, bodycams $35,500.00

Example uses for illustration only.

How to improve your chances

These steps keep inventory turning and funding requests clean.

  • Tie large stock orders to signed contracts
  • Track parts that sit on the shelf over a quarter
  • Get distributor quotes before you apply
  • Keep project payments in one business account

Inventory funding: us vs. a bank

Merchant Fund Express
Traditional bank loans
Funding range
$25,000 to $5,000,000
Often smaller or slower to approve
Speed
As little as 24 hours if qualified
Often several weeks
Paperwork
About 3 months of bank statements
Tax returns, financials, projections
Credit check
Soft pull to start
Hard pull is common up front
Tax returns
Not required
Usually two years required

Stock up for the next project

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

Apply for Funding
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