Merchant Fund Express
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Payroll Funding for Security Services

Keep officers paid on time while clients pay on net 30, 45 or 60. Funding from $25,000, in as little as 24 hours for qualified security firms.

Cover Payroll

Security services payroll funding

Staff every post, even when invoices run late

Your guards work today and your clients pay next month. Apply in about five minutes with three months of statements and a soft credit pull to close the gap.

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.

Payroll support for guard companies

Fast enough for Friday payroll

Five-minute application and about three months of bank statements. No tax returns. Funding in as little as 24 hours if qualified.

Credit is one factor, not the only one

FICO 500+ considered. Steady client deposits carry real weight.

Full repayment amount up front

Your offer shows exactly what you will repay before you accept. No surprise costs after you sign.

A repayment plan you can schedule

The repayment schedule is laid out in your offer, so you can line it up with client payment 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.

Guards get paid every week. Clients do not.

In contract security, labor is the business. Officers expect a paycheck on schedule whether the property manager, construction firm or event promoter has paid your invoice or not. Many commercial clients pay on 30, 45 or 60 day terms, and some slip past that. Meanwhile you are covering wages, payroll taxes, workers' comp and overtime for the shifts that came up last minute.

Payroll funding for security services closes that gap so the schedule stays staffed and nobody walks off a post over a late check.

When the gap gets widest

Picking the right tool

If payroll gaps come up every few months, a business line of credit for security services lets you draw for a pay run and repay when invoices clear. For a one-time bump like a big new site, working capital may be simpler. Our line of credit vs. merchant cash advance comparison explains the difference. Your offer shows the full repayment amount and schedule before you accept.

What we look at

We review about three months of business bank statements to see your client deposits and existing payments. No tax returns are required, and the application takes about five minutes with a soft credit pull to start. FICO 500+ is considered and sole proprietors can apply. Decisions move fast, and qualified firms can be funded in as little as 24 hours, which matters when payroll runs Friday. Apply here.

Use it to fix the timing, not the margin

Payroll funding works best when your contracts are priced to cover labor and the problem is simply when cash arrives. If a contract loses money on every shift, funding only delays the problem. Check your bill rates against wages, taxes and overtime before you lean on outside money. For illustration, a firm adding a new 24/7 site might fund the first several pay runs and plan repayment around the client's net-45 terms.

Frequently Asked Questions

Can a security company use funding for payroll?

Yes. Covering officer wages and payroll taxes while client invoices are outstanding is one of the most common uses.

How fast can I get payroll funding?

Decisions move quickly, and qualified security firms can be funded in as little as 24 hours.

How much can my firm get?

Funding runs from $25,000 to $5,000,000. The amount depends mainly on your deposits and existing obligations.

Do you need my client contracts or receivables list?

No. We work from about three months of business bank statements and a short application. No tax returns are required.

What if my credit is not great?

FICO 500+ is considered. Funders weigh the steadiness of your client deposits alongside your score.

Can a sole proprietor security business apply?

Yes, sole proprietors can apply.

Weekly payroll $85,000.00
New site staffing $62,000.00
Event overtime $38,000.00
Officer training $27,500.00

Example uses for illustration only.

How to improve your chances

These steps make payroll gaps smaller and funding easier to review.

  • Invoice clients the day the billing period closes
  • Check bill rates cover wages, taxes and overtime
  • Run all client payments through one business account
  • Follow up on invoices at 30 days, not 60

Payroll funding vs. a bank loan

Merchant Fund Express
Traditional bank loans
Speed
As little as 24 hours if qualified
Often several weeks
Paperwork
About 3 months of bank statements
Tax returns, financials, projections
Credit
FICO 500+ considered
Higher scores usually expected
Credit check
Soft pull to start
Hard pull is common up front
Sole proprietors
Can apply
Extra documentation often asked

Keep every post covered

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

Apply for Funding
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