New service trucks and mobile shop buildouts
Equip new vans with key machines, code cutters, and inventory without draining cash reserves.
A Line of Credit Built for the Realities of the Locksmith and Security Business.
Mobile vans, key machines, alarm equipment, technician payroll. Get the working capital you need without selling future revenue. Interest-only options up to $1.5M.
Capital that moves as fast as your service trucks.
Locksmith and security operators carry a unique cash flow profile. Revenue is steady but lumpy, parts inventory ties up capital, and a single commercial access control bid can demand fifty grand in materials before you see the first invoice get paid. Add seasonal demand spikes, technician hiring pressure, and the constant need to upgrade tools, and traditional bank lines become slow and inflexible.
A Commercial Capital Connect line of credit gives locksmith and security companies a flexible draw account up to $1.5 million with interest-only payment options. Pull only what you need, when you need it, and pay interest only on the outstanding balance. Same-day approvals. Funding in under a week. No tying repayment to your card processor or sweeping your bank account daily.
Commercial access control project mobilization
Front the materials and labor for large commercial bids while waiting on net 30 or 60 invoice cycles.
Alarm and CCTV inventory expansion
Stock IP cameras, NVRs, sensors, and panels in bulk to win on price and same-day install.
Technician payroll and certification training
Cover payroll during slow weeks and invest in CRL, ALOA, or low-voltage license training for your team.
Marketing and territory expansion
Fund local SEO, fleet wraps, and direct mail campaigns to expand into adjacent metros.
Basic line of credit review criteria
These are baseline review items, not an approval, offer, or commitment to lend.
- Estimated Equifax score of 575 or higher
- Operating at least 30 days
- About $17,000+ in average monthly revenue
- Active commercial business location
- 0 to 2 active cash advances preferred
Why Commercial Capital Connect
CCC is a business finance marketplace, not a direct lender. One application can help compare potential options through a network of 75+ lending partners.
We understand mobile service economics
Your trucks are your storefront. We do not penalize you for vehicle-heavy balance sheets.
Pay off existing MCAs
If you got trapped in a daily-debit cash advance, we can pay off up to two competitors and put you on a real LOC.
Interest-only payment structures
Keep monthly outlay low during ramp-up periods and pay down principal when you choose, with no penalty.
Same-day approvals
Submit minimal documentation in the morning and have approval terms by the end of the day.
Locksmiths & Security Companies funding FAQ
Can a single-truck locksmith operator qualify for a line of credit?
Yes. If the business has been operating for at least 30 days under current ownership, has a 575 or better Equifax score, and averages at least $17,000 per month in revenue, we can work with you. Approval amounts scale with revenue and credit profile.
How fast can a locksmith get funded?
Same-day approvals are standard. Initial funding typically lands in under a week, with subsequent draws hitting your account in as little as 24 hours once the line is established.
Do you require collateral on the line?
No specific collateral is required for most approvals up to $1.5M. The line is underwritten primarily on revenue consistency and credit profile, with minimal documentation.
Can I use the line to buy out a competitor or expand to a second location?
Yes. Acquisitions, second location buildouts, and route expansion are common uses. Acquisition-specific structures may require additional documentation.
What if I already have an MCA in place?
We can pay off up to two existing MCAs or short-term loans as part of structuring your new line of credit, giving you breathing room from daily debits.