Security guard companies can add substantial weekly payroll as soon as a new site begins, while the customer may pay weeks later. Growth therefore requires more than a signed contract: it needs licensed staff, coverage, supervision, insurance and a realistic collection plan. This guide explains how to document those economics before comparing potential funding paths.
Define the service model and funding request
Describe whether the company provides unarmed guards, armed guards, mobile patrol, event security, executive protection, remote monitoring or another service mix. Separate recurring post contracts from events and short-term assignments.
State whether the request is for payroll timing, new-contract mobilization, recruiting, uniforms, vehicles, radios, software, training, insurance or general working capital. Prepare a detailed sources-and-uses schedule.
The CashMigo security guard company funding page provides a focused starting point. Tie the amount to documented contracts, staffing and a conservative cash forecast rather than only total contract value.
Measure guard-hour economics and account margin
For each major site, show billable hours and rates, officer wages, payroll taxes, workers' compensation, benefits, overtime, training, uniforms, supervision, travel and other direct costs.
Calculate account-level gross margin using actual scheduled and worked hours. A large contract can add revenue while reducing cash if overtime, uncovered posts, call-offs, supervision or insurance costs exceed the original assumptions.
Reconcile scheduling records, timekeeping, invoices, payroll and customer collections. Explain service credits, disputed hours, missed posts and any difference between contracted, billed and collected revenue.
Tell CashMigo what the business needs, how much and how soon. We will review the request and help identify potential next steps.
Check My Funding Options →Build a new-contract mobilization plan
List recruiting, screening, licensing, training, uniforms, post setup, radios, vehicles, software, supervision and insurance changes required before launch. Place each cost on the week it must be paid.
Prepare a coverage plan for every shift, relief factor, call-off and overtime assumption. A contract is not fully mobilized if the company lacks qualified officers or depends on permanent overtime.
Model several payroll cycles before the first customer payment and include a slower collection case. Show how the company will protect existing accounts while management focuses on the new site.
Review contracts, concentration and termination risk
Prepare a contract schedule with customer, site, service scope, start date, term, renewal, billing terms, rate adjustments, insurance requirements and termination provisions. Distinguish signed contracts from awards that remain subject to conditions.
Measure concentration by revenue, guard hours, receivables and gross margin. If one customer or property group represents a large share, show the effect of a delayed payment, rebid or cancellation.
Review indemnity, service-level, background, training, reporting and subcontracting requirements with qualified counsel and insurance professionals. Funding does not establish that the company or officers satisfy licensing or contract rules.
Plan payroll, overtime and staffing coverage
Prepare an officer roster by license or qualification, assigned site, scheduled hours, wage rate and availability. Show open posts, recruiting pipeline, turnover, training and the expected relief factor.
Build a weekly payroll forecast including taxes, benefits, workers' compensation, overtime, paid training and supervisor coverage. Compare it with the timing of customer collections, not just invoices.
Stress-test higher overtime, delayed hiring, a customer payment delay and the loss of a concentrated contract. The plan should remain workable without immediately depending on another advance.
Manage receivables and invoice support
Prepare accounts-receivable aging with invoice dates, due dates, customer concentration, disputes, deductions and required time or service records. Identify invoices waiting for portal approval or post documentation.
Invoice factoring may be considered for qualifying receivables, but providers can review customer credit, invoice eligibility, dilution, disputes, concentration and assignment restrictions. Not every invoice or customer will qualify.
Improve invoicing controls: approve time promptly, reconcile schedules, submit required records, monitor customer portals and resolve rejected invoices while protecting confidential operational information.
Prepare a clear, secure starting file
Useful starting records may include recent bank statements, year-to-date and prior-year financials, contract schedule, guard-hour and margin reports, payroll calendar, officer-count summary, receivables aging, current obligations and a mobilization budget.
Add contracts, licensing status, insurance, vehicle or technology quotes and detailed staffing records only when requested through an approved secure channel. Explain material claims, contract losses, liens or payroll issues directly.
Begin through CashMigo's 60-second funding check using non-sensitive business information. Do not submit officer identity or background records, credentials, post orders, alarm codes, access information, incident reports or confidential client-security plans through the general form.
Compare structure and payment pressure
Compare gross amount, net proceeds, total cost, payment amount and frequency, term or expected duration, collateral, liens, guarantees, covenants, default terms, renewal conditions and early-payoff treatment.
Place the proposed payment into a thirteen-week forecast after payroll, payroll taxes, insurance and essential operating costs. Test lower billable hours, higher overtime and slower customer payment.
Review agreements with qualified legal, accounting, tax, insurance, licensing, labor and security professionals. Fast funding should not replace a complete evaluation of contract, staffing and payment risk.
Frequently asked questions
Can funding help cover guard payroll before customers pay?
Potentially. Providers may review collected revenue, contracts, billable hours, payroll timing, customer payment terms, concentration, credit and current obligations.
What should a new-contract mobilization budget include?
It may include recruiting, screening, licensing, training, uniforms, radios, vehicles, software, supervision, insurance changes and payroll before the first customer collection.
Why are billable guard hours important?
They connect contract revenue with actual staffing. Comparing billable hours and rates with wages, overtime, payroll burden, supervision and unfilled posts helps show true account margin.
Can security-company invoices be factored?
Potentially. Eligibility can depend on the customer, invoice, assignment terms, disputes, concentration, supporting records and provider requirements.
Should client security details be submitted through the funding form?
No. Never submit post orders, alarm codes, access credentials, incident reports, background files or sensitive client-security information through the short form.
