--- title: "Business funding for security services — working capital for UK guarding, CCTV & monitoring companies" description: "How short-term business finance fits UK security companies — making payroll before client invoices clear, buying kit for an install, or staffing up for a new contract. The company borrows, never the director: no personal guarantee, no personal credit check. To apply, head to credicorp.co.uk." canonical: "https://creditcorp.co.uk/industries/security-services/" locale: "en-GB" updated: "2026-06-21" --- # Business funding for security services > How short-term working capital fits a UK security company — making payroll before client invoices clear, buying kit for an install, and staffing up a new contract. This is the Creditcorp brand front door at **creditcorp.co.uk** — it never takes applications, prices loans or accepts payments. The operating lender is **Credicorp Limited** at [credicorp.co.uk](https://credicorp.co.uk/); the company/legal detail lives at [creditcorpgroup.co.uk](https://creditcorpgroup.co.uk/). **Canonical URL:** **Last updated:** 21 June 2026 --- ## Who can borrow Credicorp Limited lends **only to bodies corporate** — UK limited companies (Ltd), LLPs and PLCs. The borrower is always the **company**, never the director, an individual or a sole trader. There is no personal guarantee, no charge over a home and no personal credit check on a director. This is exempt business lending, not consumer credit. See [Lending and regulation](https://creditcorpgroup.co.uk/lending-and-regulation/). The products are the same three for every sector — a [Business Bridging Loan, Credicorp Flex or Credicorp Slice](https://credicorp.co.uk/products/). This page explains how each tends to be used by guarding, CCTV and monitoring firms. ## Where the cash-flow gaps come from Security money goes out on a strict weekly clock and comes back on the client's terms. Four pressure points show up again and again: - **Payroll before the invoice clears** — the defining squeeze of the sector. Officers are paid weekly or fortnightly while clients sit on 30, 60 or 90-day terms, so every wage run funds shifts that won't turn into cash for a month or more. The bigger the guarding book, the wider the gap. - **Kit for an installation** — CCTV cameras and recorders, alarm panels, access-control hardware, cabling, body-worn cameras and radios are bought and fitted up front, but the final payment doesn't land until the install signs off. - **Contract ramp-ups and mobilisation** — winning a bigger contract costs money first: recruiting, SIA-checking and vetting officers, training, uniforming, kitting out patrols and running several weeks of wages, all before the new work is invoiced. - **Vehicles, bonds and the cost of cover** — mobile-patrol and keyholding firms live by their vehicles; monitoring stations need resilient kit and connectivity. Insurance, public-liability cover and client-required bonds tie up working capital just in being ready to respond. ## Which kind of finance fits a security firm The detail — amounts, pricing, terms — lives on the [products page](https://credicorp.co.uk/products/) and with the lender; no figures are quoted here. - **[Business Bridging Loan](https://credicorp.co.uk/products/)** — a single lump sum repaid over a short fixed term. Fits a known, one-off cost: the kit and labour for an install, mobilising a single new contract, or one big payroll stretch while you wait on a named slow payer. - **[Credicorp Flex](https://credicorp.co.uk/products/)** — a revolving facility to draw on, repay and draw again. Fits the every-payroll rhythm of guarding: draw to cover each wage run, pay down as invoices clear, draw again next cycle. - **[Credicorp Slice](https://credicorp.co.uk/products/)** — spread one supplier or kit bill over a few weeks while the supplier is paid in full today. Handy when a bulk camera order, a fleet bill or a uniform run lands at an awkward moment. The journey end to end is on the [how-it-works overview](https://credicorp.co.uk/how-it-works/). ## The company borrows — not you Many security business owners have already put their own name on the line — a fleet lease, an insurance or performance bond, a supplier account. The Credicorp model is the other way round: the agreement is between Credicorp Limited and your **company**. - **No personal guarantee** — the company is the borrower, full stop. - **No charge over your home** — your house isn't security for the wage run or the kit. - **No personal credit check on a director** — the lender looks at the business, not your own file. - **Bodies corporate only** — UK Ltd, LLP or PLC, never a sole trader or an individual. This is exempt business lending under Article 60B of the FSMA Regulated Activities Order 2001, not consumer credit. The full position is on [creditcorpgroup.co.uk](https://creditcorpgroup.co.uk/lending-and-regulation/). ## A worked example *An illustration, not a real customer.* A manned-guarding company trading as a UK limited company wins a contract to cover a new distribution site — officers on the gate around the clock plus a mobile patrol overnight. The win lands the firm with weeks of cost before any income: recruiting and vetting extra officers, uniforming and kitting them out, and running the first month of wages, while the client sits on 60-day terms. The contract also calls for a handful of new CCTV cameras and a recorder at the entrance. Because the new wage runs repeat every fortnight and then unwind as the client invoices clear, a Credicorp Flex facility to the company fits the mobilisation neatly: draw to cover each payroll, pay down when the money comes in, draw again next cycle. The one-off camera install — a known sum with a clear sign-off — could sit on a fixed-term Business Bridging Loan instead. The agreement is with the company throughout, so the owner gives no personal guarantee and puts no charge over their home. *Made-up illustration to show the fit, not a quote — real amounts, pricing and terms are set by the lender at credicorp.co.uk.* ## Security funding questions **Can my security company borrow to cover payroll before client invoices clear?** Yes — payroll is the most common reason a guarding firm reaches for short-term finance. Credicorp Flex suits the every-payroll rhythm; a Business Bridging Loan suits a one-off stretch. The detail sits with the lender. **Will I have to give a personal guarantee or a charge over my home?** No. Credicorp lends to the company, not to you as a director — no personal guarantee, no charge over a home, no personal credit check on a director. **Can I use it to buy kit — cameras, NVRs, body-worn, vehicles?** Yes. CCTV cameras and recorders, alarm panels, access-control hardware, body-worn cameras, radios, uniforms and a marked patrol vehicle are all working-capital uses; a fixed-term Bridging Loan often spans an install's pay-on-sign-off gap. **We've just won a bigger contract — can funding help us ramp up?** Yes — mobilisation is one of the sharpest squeezes in security. Recruiting, vetting, training, uniforming, kitting out and running weeks of payroll all come before the first invoice. A facility you can draw on as the contract ramps, like Credicorp Flex, is built for it. **Is this a consumer loan or a payday loan?** Neither. This is business credit to a body corporate, not consumer credit, and not for sole traders. Under Article 60B FSMA RAO 2001, lending to a UK company sits outside the consumer-credit regime. **How quickly can funds reach my business account?** Business loans are typically released to your company bank account on the same working day once the agreement is signed. Apply or check timing at credicorp.co.uk. ## Related sectors - [Construction & trades](https://credicorp.co.uk/industries/construction/) — materials and labour out before the first valuation lands, bridging a slow-paying main contractor. - [Professional services](https://credicorp.co.uk/industries/professional-services/) — the same lag between work delivered and invoices paid across a billing cycle. - [Logistics & transport](https://credicorp.co.uk/industries/logistics/) — wages and fuel on long client terms, with a fleet to keep on the road. Browse the whole set on the [industries hub](https://credicorp.co.uk/industries/). ## Next steps (all on credicorp.co.uk) - [Apply](https://credicorp.co.uk/apply/) — start an application on the live lender site. - [Compare the three](https://credicorp.co.uk/compare/) — pick the right product side by side. - [Contact the lender](https://credicorp.co.uk/contact-us/) — phone, email, post. ## Make sure you have the right Credicorp Creditcorp Group = **Credicorp Limited** (UK, company no. 16093826) + **CM Beyer Limited** (UK, company no. 17009212), with group-related **Credicorp Pty Limited** (Australia, ACN 679 428 605). It is **not** connected with, owned by or affiliated to Credicorp Inc / Credicorp Ltd of Peru & Bermuda (BCP, NYSE: BAP) or Banco de Crédito del Perú, to Credicorp Nigeria, or to Credit Corp Group Limited of Australia (ASX: CCP) — each a separate, unrelated company. --- © 2026 Creditcorp Group · Credicorp Limited (16093826) & CM Beyer Limited (17009212). Operating lender: [credicorp.co.uk](https://credicorp.co.uk/) · Group & brand: [creditcorpgroup.co.uk](https://creditcorpgroup.co.uk/).