CFACommercial Funding Advisory

Security & Transport Services

Business Funding for Security Services

Security companies face a classic service business challenge. You sign a contract and start deploying guards or installing systems, but payment comes 30 to 45 days later. Guard services require weekly payroll for officers you have already deployed, and the gap widens with every new contract you add. The technology side of security, including cameras, access control, and monitoring systems, requires equipment investment upfront that is amortized through monthly monitoring fees over the life of the contract.

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Common Uses

What Security Services Use Funding For

  • Cover security officer payroll, benefits, and training costs on new and existing contracts
  • Purchase surveillance cameras, access control systems, and alarm monitoring equipment
  • Fund guard uniforms, vehicles, and communication equipment for a new patrol contract
  • Invest in a central monitoring station or upgrade to cloud-based monitoring platforms

Funding Options

Best Funding Types for Security Services

Invoice Factoring

Factor your monthly service invoices from commercial and government clients. Security contracts produce predictable monthly billings that factoring companies love because the revenue is recurring and the clients are typically creditworthy.

Equipment Financing

Finance surveillance systems, access control hardware, and monitoring station equipment. Security equipment installed at client sites generates monthly monitoring revenue that lenders view as collateral in addition to the equipment itself.

Working Capital Loan

Fund the startup costs of a major new guard contract. Hiring, equipping, and deploying security officers costs thousands per guard, and a working capital loan covers those expenses until the contract payments start flowing.

What Lenders Look For

Qualification Notes for Security Services

State security guard company licenses, private patrol operator permits, and alarm contractor licenses must be current
Lenders evaluate your contract portfolio, average contract length, and client retention rates as primary underwriting factors
Companies with both guard services and electronic security show diversified revenue that lenders view as lower risk

Related Industries

Related Security & Transport Services Funding

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