What is invoice finance for manned guarding?

Invoice finance (factoring or discounting) allows security firms to release cash tied up in eligible unpaid invoices. The available amount and timing depend on the facility, debtor quality, and lender assessment.

Can a new security start-up access invoice finance?

Yes. Many specialist lenders offer start-up invoice finance or spot factoring for new manned guarding firms, provided you have verifiable B2B commercial contracts. It’s an ideal way to fund your first major deployments.

What is the difference between factoring and discounting?

With invoice factoring, the lender manages your credit control and chases payments on your behalf. With invoice discounting, you retain full control over your sales ledger and collections, and the facility is usually confidential.

Can I finance just a few specific invoices?

Yes. Selective invoice finance (or spot factoring) allows you to choose specific invoices or specific client accounts to fund, rather than committing your entire sales ledger.

Do you only fund the wage-roll?

No. While invoice finance is primarily used to bridge the wage-roll gap, the released cash can be used for any business purpose—such as purchasing uniforms, radios, or covering general overheads.

Manned Guarding Finance

Bridge the wage-roll gap in manned guarding

When your guards need paying before clients settle their invoices, growth can create cashflow strain. Invoice finance can release working capital from eligible invoices, helping you meet payroll and mobilise new contracts.

Speak to an Adviser Security Companies Hub

Speak with Arran or Graham

Eligible invoices

Funding basis

Flexible

Facility type

Start-ups & established

Suitable for

150+

Lenders on panel

Why manned guarding firms use invoice finance

Independent broker with an extensive panel of 150+ UK lenders. No upfront fees.

Meet weekly payroll stress-free

Manned guarding is a wage-heavy sector. Invoice finance ensures you have the cash on hand every Friday to pay your officers, regardless of when your commercial clients settle their accounts.

Scales naturally with your contracts

Unlike a fixed bank loan, invoice finance grows as your business grows. The more guarding contracts you win and invoices you raise, the more funding becomes available.

Take on larger deployments

Don't turn down lucrative contracts because you lack the working capital to fund the initial wage-roll. Invoice finance provides the immediate liquidity needed to scale your operations.

Bad debt protection available

Non-recourse invoice finance includes debtor protection, safeguarding your business if a major client fails to pay due to insolvency.

Who you could speak to

Arran Turner

Managing Director

General commercial finance and how Sorbus works

Profile

Graham Nash

Commercial Finance Director

Business loans, cash flow and wider commercial funding

Profile

STEP 1
A conversation with a broker
You talk to a real Sorbus broker about the business, the purpose and what is affordable. No application at this stage.
STEP 2
Credit placement
If you choose to go further, we prepare the case and decide which lenders on our panel of 150+ are worth approaching.
STEP 3
Lender assessment
The lender, not Sorbus, underwrites and makes the credit decision. Approval is never guaranteed.
STEP 4
Documentation
If a lender offers terms and you accept, we help coordinate agreements and payout paperwork with you.

Every step after the first is optional. You can stop after the conversation. Sorbus is a broker, not a lender.

Client journey

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Enquire about Manned Guarding Finance

Start with a conversation

Tell us a little about what you need and who you would like to speak to. No obligation, no credit check at this stage. We aim to respond within one business day, Monday to Friday, 9am to 5:30pm.

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Questions answered

Common queries about manned guarding finance.

Ready to fund your guarding contracts?

Speak to a specialist broker about securing the right invoice finance facility for your security firm.

01246 383500 Security Companies Hub