Funding for Security & Guard Companies

Cover payroll every week even when your net-30 and net-60 contracts haven't paid yet. Approved on your bank deposits, not your credit score — funded in as little as 24 hours.

The security business cash-flow trap: you pay guards weekly, but clients pay you in 30 to 60 days

If you run a private security or guard company, you already know the math that keeps you up at night. Your guards get paid every week — that is non-negotiable. But the property management firm, the construction site, the hospital, or the municipality you're protecting pays you on net-30, net-60, sometimes net-90 terms. You're floating weeks of payroll before a single invoice clears.

Win a new contract and it gets worse before it gets better. Landing a 20-guard account means you're staffing up, running background checks, buying uniforms and radios, and making payroll for a month or two before that client's first check ever arrives. Growth in this industry costs cash up front.

Quick Biz Capital funds security and guard companies to bridge exactly this gap. We look at your bank deposits — the revenue flowing in from your contracts — not your credit score. Approvals start with a soft pull that won't ding your credit, FICO 500+ is fine, and there's no collateral required for working capital. Funding ranges from $10,000 to $5 million, and money can hit your account in as little as 24 hours.

A real dollar example

Say you just signed a new net-45 contract for four guards on a construction site. Between weekly payroll, uniforms, and a used patrol vehicle, you need about $38,000 to carry the account until the client's first payment lands six weeks out.

You apply, connect your last few months of bank statements, and get approved based on the deposits already coming in from your existing contracts. You take $40,000. Your guards get paid on time, the client sees a professional operation from day one, and when their net-45 invoices start clearing you're repaying out of revenue that account is now generating. The funding did its job: it let you say yes to the contract without draining your reserves.

What security companies use funding for

• Weekly payroll while net-30/60/90 invoices are still outstanding
• Onboarding a new contract — background checks, licensing, guard cards, training
• Uniforms and gear — outfitting new hires so they look sharp on day one
• Patrol vehicles — buying or repairing the cars and trucks your officers drive
• Equipment — radios, body cameras, GPS/dispatch software, access-control tools
• Insurance and bonding costs required to bid on bigger accounts
• Bridging seasonal gaps when event or construction-site work slows

Why deposits beat credit score for this industry

Security company owners often have credit that's been through the wringer — the business is labor-heavy and cash-flow-tight by nature. That's exactly why we underwrite on your bank deposits. Steady revenue from real contracts tells us far more about your ability to repay than a FICO number does. If your statements show consistent income coming in, you can qualify even if your credit isn't perfect.

How fast can you get funded?

Here's the honest rule: if you apply and send your bank statements plus the signed agreement before early-afternoon Eastern on a weekday, same-day funding is on the table. Apply late Friday and you're looking at Monday. No inflated promises — just a straight answer on timing so you can plan payroll around it.

Straight answers

Do I need good credit to get funded?

No. We approve based on your business bank deposits, not your credit score. We use a soft pull that won't affect your credit to check, and FICO 500+ is fine.

How much can a security company borrow?

Anywhere from $10,000 to $5 million, depending on the deposits flowing through your business bank account. The minimum is $10,000.

Is collateral required?

No collateral is required for working capital. Approval is based on your revenue, not on pledging assets.

How long does it take to get the money?

As little as 24 hours. If we receive your statements and signed agreement before early-afternoon ET on a weekday, funding can happen the same day. Friday submissions typically fund Monday.

Can I use funding to cover payroll before my contracts pay?

Yes — that's the most common use. Funding bridges the gap between paying your guards weekly and collecting on net-30/60/90 invoices.

Will checking my rate hurt my credit?

No. Checking your options starts with a soft pull that does not affect your credit score.