Guards are paid every week. Clients pay on net terms. Apply for $25,000 to $5,000,000 to close the gap, with funding in as little as 24 hours.
Apply Now →A security company is nearly all payroll. The product is hours of coverage, and the cost of those hours is the guard's wage plus employer taxes, uniform, scheduling overhead and insurance. A client's invoice for a month of coverage gets paid weeks after the month ends, sometimes through a property manager or a corporate payables system with its own approval chain. In the meantime, the guards who worked those shifts have already been paid.
The larger the contract, the larger the gap. A new site with round-the-clock coverage can mean a significant weekly payroll before the first invoice is even sent.
A company can easily carry two months of wages for a new account before the first payment lands. That is the stretch that tests an owner's cash reserve.
Employers in Texas report wages and pay unemployment tax quarterly, with reports and payments due by the last day of the month after the quarter ends. Payroll taxes, insurance premiums and licensing costs also follow fixed schedules. Those obligations are the reason a late client payment is more serious for a staffing-heavy company than for one with mostly materials costs.
Workers compensation coverage is optional for many private Texas employers, though contracts and clients often require coverage anyway, so owners budget for it regardless.
| Situation | How working capital helps |
|---|---|
| Winning a larger contract | Covers hiring and early payroll before the first invoice is paid |
| A client pays late | Keeps guards paid so schedules are not disrupted |
| Seasonal event coverage | Funds extra staff for a busy period |
| Vehicle or equipment needs | Patrol vehicles, radios and cameras bought up front |
Texas Biz Funding provides $25,000 to $5,000,000, with a five-minute application and a soft credit pull. Funding can arrive in as little as 24 hours, and sole proprietors can apply.
For illustration only, not our terms or a typical outcome. A company with ten guards wins a corporate campus contract that needs six more. Roughly six weeks of added wages and taxes go out before the client pays the first invoice. The owner can use a working-capital advance to fund those weeks, then repay from the contract revenue. If the client's payment terms turn out to be longer than expected, the owner needs to have sized the amount with that in mind.
Yes. Sole proprietors and small firms can apply. Funding decisions look at the business as a whole.
It is the most common. Guard wages are paid every cycle while clients pay later.
Late clients are a frequent cause of shortfalls. Working capital can keep wages current until the invoice clears.
Operating needs such as vehicles, radios and cameras can be funded as part of working capital.
Funding can arrive in as little as 24 hours after approval, with a five-minute application.
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
