Menu
Security firms · Ireland
Security company
business loans.
Security is a payroll-heavy business: guards are paid weekly or fortnightly, while the clients they protect pay your invoices on 30, 60 or 90-day terms. Winning a new contract means hiring and kitting out staff before the first invoice is even raised. We help Irish security firms compare invoice finance, term loans and asset finance through specialist lenders.
Invoice finance to bridge payroll
Guards are paid weekly or fortnightly while clients pay your invoices on 30, 60 or 90-day terms — invoice finance closes that gap.
- Advance of up to 95% of unpaid invoice value
- Finance can cover your whole sales ledger as it grows
- One-off or ad hoc invoice finance starts at €100,000 per invoice
- Suits firms billing business clients — guarding contracts, event security and monitoring
- A revolving facility, so it grows and shrinks with your billing
Term loans for contracts and growth
Fund the upfront cost of a new contract — recruitment, uniforms, training and licensing — or an office move, and repay on a fixed schedule.
- Unsecured term loans from €5,000 to €500,000
- From 12 months trading with one year’s accounts
- Annual turnover of €100,000 or more and a net profit
- No recent missed payments on bank statements
- Firms from around 9 months trading with steady deposits (about 8 a month) can look at flexible repayment loans instead
Asset finance for vehicles and equipment
Spread the cost of patrol vehicles, CCTV and alarm kit, radios and control-room equipment over their working life.
- Hire purchase or leasing for suitable new or used assets
- Patrol vans and cars, CCTV and alarm systems, radios, body cameras and control-room kit
- Leasing with no deposit on smaller items, and finance on suitable vehicles from €10,000
- A supplier quote helps us compare the options
- In some cases, loans secured on equipment you already own can work — assessed case by case
Finance is subject to lender assessment. Unsecured term loans are not registered against property or business assets, but some lenders ask directors for a personal guarantee. Equipment-secured loans are assessed case by case.
Why security firms come to us
Payroll is weekly, payment isn't
A guarding contract is a promise to pay wages every week, against a client who pays every month or two. The bigger the contract, the bigger the gap — and new contracts make it worse before they make it better, because recruitment, uniforms, training and PSA licensing all cost money before the first invoice goes out. Event work is lumpier still: a busy season of staff costs, invoiced afterwards.
Invoice finance turns issued invoices into cash now, so payroll stops depending on a client's payment run. A term loan funds the upfront cost of a new contract or an office move on a fixed schedule, and asset finance spreads the cost of patrol vehicles, CCTV and alarm kit, radios and control-room equipment.
Coming from a different angle? Our invoice finance page explains how the facility works, the unsecured business loans page covers term-loan criteria in detail, and the recruitment page covers another payroll-heavy sector with the same weekly-wages problem.
Guides for your industry
2 November 2026
Invoice Finance Ireland for Growing SMEs
Release cash tied up in unpaid B2B invoices. Understand factoring, invoice discounting, lender fees and the documents Irish SMEs need.
Read guide →
21 April 2026
Working Capital Finance as Costs Rise for Irish SMEs
How Irish SMEs can manage rising costs and cash-flow gaps: compare working capital finance, understand interest-rate risk and check repayments before borrowing.
Read guide →
16 October 2026
How to Secure Equipment Finance in Ireland: A Guide
Table of Contents How to Secure Equipment Finance in Ireland: Step-by-Step What You'll Need Before You Apply Types of Equipment Finance Available Equipment Finance Application Requirements Documents Lenders Typically Ask
Read guide →
27 October 2026
How to Prepare a Cash Flow Forecast for Your Small Business
A step-by-step guide to building a 12-month cash flow forecast for your small business in Ireland, with a worked example, a simple template layout and tips for keeping a rolling forecast up to date.
Read guide →
Common questions
Can I get finance to cover payroll while clients pay late?
Yes — it's the most common reason security firms come to us. Invoice finance advances up to 95% of the value of invoices you've already issued, so weekly or fortnightly payroll doesn't depend on when a client chooses to pay. One-off or ad hoc invoice finance starts at €100,000 per invoice.
I've won a contract that starts before the first invoice — can you help?
Often, yes. A term loan can fund recruitment, uniforms, training and licensing upfront, with repayments spread over a fixed schedule. Invoice finance then keeps cash moving once you're billing.
Can I finance patrol vehicles or CCTV equipment?
Yes. Asset finance through hire purchase or leasing can spread the cost of patrol vehicles, CCTV and alarm systems, radios and control-room equipment over their working life. A supplier quote helps us compare the options.
What do lenders look for?
For unsecured term loans, lenders typically want at least 12 months trading with one year's accounts, turnover of €100,000 or more, a net profit and clean recent bank statements. Limited company, Sole trader, Partnership accounts can all work.
Free to you. Lenders pay us a commission when your loan completes. How we get paid