Guards are paid every week, and clients pay on their own schedule. Working capital helps security companies cover payroll while invoices are outstanding.
Apply Now →A security services company sells hours. Each guard on a post is a payroll line, and the company pays them weekly or biweekly whether or not the client has paid the last invoice. Payroll taxes, workers' compensation and insurance sit on top of the wage.
New York's state minimum wage in 2026 is $17 an hour in New York City, Long Island and Westchester and $16 in the rest of the state, with annual indexing starting in 2027. Because guard rates are built on top of wages, each increase raises the cost of every post, and contracts that were priced earlier may not fully absorb it.
By the time you collect on the first invoice, you have paid several payrolls. Every additional contract widens the gap, so a company growing fast needs more cash, not less.
Property managers, hospitals, construction sites, retail chains and event venues are typical clients. Larger clients are reliable but are known for slow payment cycles. Smaller clients pay faster but demand rate pressure. Many companies do both. Event security brings short, concentrated payroll spikes that need cash within days, while a standing building contract creates a steady drumbeat of weekly payroll.
For illustration only: winning a contract that needs 10 guards on rotating shifts can add several thousand dollars of weekly payroll. Over a 45-day payment cycle, the company may carry well over $30,000 in wages, taxes and costs before collecting. That is the amount working capital is designed to bridge.
Staffing a new contract is its own cash event. Screening, training, background checks, uniforms, radios and sometimes licensing or card fees are paid before the guard works a single hour. Turnover compounds this: each replacement restarts the onboarding cost, and overtime used to cover a gap raises payroll in the very week it is hardest to afford. Companies that keep a few reliable floaters pay for them in idle hours but protect the client relationship and avoid missed posts that can end a contract.
We review about three months of business bank statements and do not require tax returns. The application takes about five minutes with a soft credit pull, and FICO 500 and above is considered. Funding runs from $25,000 to $5,000,000 and can arrive in as little as 24 hours after approval. Sole proprietors and owner-operators who work posts themselves can apply.
Bank statements for a guard company often show large deposits from a few clients and large payroll withdrawals on a regular rhythm. That is normal for the industry.
Payroll is due weekly or biweekly, while many clients pay invoices 30 to 60 days after the service period.
Payroll during the payment gap, insurance, uniforms, equipment, vehicles and the cost of staffing a new contract. Funding runs from $25,000 to $5,000,000.
Yes. Sole proprietors can apply. We review about three months of business bank statements.
Yes. The 2026 state minimums are $17 in New York City, Long Island and Westchester and $16 elsewhere, and they rise with indexing starting in 2027.
The application uses a soft credit pull. FICO 500 and above is considered.
Three months of business bank statements and a 5-minute application. FICO 500+ considered. $25,000 to $5,000,000, funded in as little as 24 hours.
Apply Now →It takes about two minutes and it will not affect your credit score.
No obligation • No impact to your credit score
