Security Guard Factoring  

Protection is what your security guard company is all about.

But how much protection do you have from cash flow deficits?

As you know, the very nature of the industry makes your business unlikely to qualify for traditional business loans since its employees are its biggest asset. Perhaps you issue paychecks twice a month or biweekly, but how does that align with your invoice terms when a payment can come as late as 90 days later? There will be times of the month when the cash going out for payroll exceeds the cash coming in.

Waiting for payment on your invoices will leave you scrambling to meet payroll needs, provide training, and ensuring certification for your workforce.

Like other staffing companies, security companies have additional funding needs and we provide factoring to help ease the cash flow crunch. Security guard invoice factoring is a funding method that can give your company the breathing room it needs to grow and meet payroll in a timely fashion.


The Solution? Factoring

Our experts provide factoring services with a focus on customer care and support. We want you to be comfortable, informed and educated about the process. We take the time to answer your questions and make sure you are fully aware of your options as a business in need of better cash flow. With factoring, your business will have fast access to the capital owed to you through your invoices.


As a client of United Capital Funding, here’s how it works:
  1. First, you fulfill the agreed-upon needs laid out in your agreement with your customer.
  2. Then, generate an invoice for the total cost of the service provided and send copies to your customer and United Capital Funding.
  3. Our experts will verify the invoice, then wire a large percentage (typically 80%) of the invoice amount to your account, holding the remaining percentage (20%) until your customer pays the full invoice amount to our secure lockbox.
  4. Once your customer pays the full invoice amount to our secure lockbox, our team wires the remaining percentage (less our fees) to your account.
  5. Voila! You’ve successfully unlocked that capital.

Factoring is a steady, long-term solution for your invoice management. We allow you to choose which invoices you want to factor and you can access your invoices and reports through our secure online platform, all at no extra cost.


What are the fees?

You will typically only encounter two types of fees – a fee for the cost of the capital and a banking fee (ACH or wire transfer charge). Our fees are drastically lower than the industry average, according to Pepperdine Graziadio Business School’s 2019 Private Capital Markets Project. This keeps your total costs down and your invoice cycle efficient. Visit our benefits page for more information. We offer customized proposals according to your specific needs. To receive a proposal, please submit an online application.

Please note, factoring is not a loan. It is an advance on pending payment by your customer, which means you are not borrowing money on future security guard services and there is repayment plan to schedule.


Three Ways to Get Started

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UCF is great funding company, understands the needs of their clients and always available to help. I have and will continue to recommend their services to others that I come into contact with.

CEO, Security Guard Company, Tennessee

A leader in factoring for the security guard industry

Since 1997, our experts have helped security businesses grow by providing a service that traditional lenders can’t. We make it easier for you to get the funding you need to enhance your business.

We can do this even if you are a startup, an 8(a) contractor, or are a company with a recent history of a less-than-profitable performance.