Funding for Security Companies
Security is a payroll-now, paid-later business with contract receivables behind it — built for lines of credit that bridge invoices, asset-based programs that lend against what you are owed, and fast capital when a new contract starts Monday.
Every security company that grows hits the same wall: the contract is signed, the client wants coverage to start in two weeks, and you need to hire, license, uniform, and equip a dozen officers who will expect a paycheck long before the client's first invoice pays. The better your sales pipeline, the worse the cash squeeze — banks call that growth risk, you call it Tuesday. Broadway underwrites from your deposits and your contracts: one short form, three months of bank statements, a soft credit pull, a same-day decision, and funding in as little as 24 hours. Fast capital costs more than bank money, and we say so plainly — but walking away from a signed contract because of payroll timing costs the whole account.
The challenge
Guards get paid every week; the contracts that pay for them settle in thirty or sixty days. Win a big new account and the squeeze gets worse before it gets better — more payroll, more uniforms, more vehicles, all funded out of pocket until the invoices clear.
How Broadway Advance helps
Security is a payroll-now, paid-later business with contract receivables behind it — built for lines of credit that bridge invoices, asset-based programs that lend against what you are owed, and fast capital when a new contract starts Monday.
What owners use it for
- Cover weekly guard payroll while net-30 and net-60 invoices clear
- Staff up, license, and uniform officers for a newly won contract
- Buy patrol vehicles, radios, body cameras, and reporting software
- Carry workers' comp and liability premiums that come due in lumps
- Bridge a government or corporate account's slow first payment cycle
- Open coverage in a new city or bid larger contracts with capital behind you
See your real number in about five minutes.
Apply nowFunding options that fit security companies
Business Line of Credit
A revolving cash reserve you only pay for when you draw on it.
Flexible limits →Asset-Based Lending
Turn real estate, inventory, equipment, or credit into working capital.
Based on asset value →Term Loan
The lowest rates and longest terms, with predictable monthly payments.
Up to $5,000,000 →Security Companies funding questions
I just won a contract that doubles my payroll. How do I fund the ramp without choking?
This is the classic security-industry squeeze, and the right structure depends on the contract. A line of credit covers recurring payroll-to-invoice gaps and resets each cycle. If the account is large and creditworthy, asset-based or receivable programs lend directly against what it owes you, often unlocking more capital. If coverage starts Monday and nothing else is in place, a fast working capital advance bridges the gap — costlier, but cheaper than losing the account you just won.
My clients include government agencies that pay slow but always pay. Does that help me?
Considerably. Receivable-based funders care most about who owes you money, and government and large corporate payers are about as reliable as debtors get — slow, but certain. That credit quality can translate into larger facilities and better pricing than your own statements alone would support. Expect more documentation: contracts, aging reports, sometimes payment redirection. It is more setup than an MCA's three bank statements, but for a contract-heavy security firm it is usually the better long-term machine.
Is an MCA a bad idea for a business like mine that isn't card-based?
Not bad, just not automatic. Plenty of Broadway's programs underwrite from total bank deposits rather than card processing, so contract revenue qualifies — remittance is simply structured around your deposits. The honest caution: an advance is short-term, higher-cost capital, and a recurring payroll-versus-net-60 gap is a permanent feature of your business, not a one-time event. Use fast money for the bridge moments and build toward a line of credit or receivable facility for the everyday gap.