Guardian Alliance, a fast-growing security staffing company, provides armed and unarmed guards to a wide range of clients. Like many firms in the industry, they face a common operational challenge: bridging the gap between 30–60 days' payment terms from clients and biweekly payroll obligations.Initially, the company relied on a traditional bank line of credit to support operations. But as demand increased and large new contracts came in, their existing facility was no longer sufficient to keep up with growth. When the bank couldn't improve the line, Guardian Alliance explored complementary funding options that would support growth, without taking on additional debt.
That's when they met Summar.
Referred by a trusted broker, Guardian Alliance chose Summar Financial for our ability to work alongside their bank relationship, not against it. We provided a $500,000 non-recourse factoring line—unlocking the cash tied up in their receivables and giving them the flexibility to scale without new liabilities.
Beyond funding, we offered customer credit checks, back-office support, and collections assistance. This allowed Guardian Alliance to stay focused on onboarding and servicing larger clients.
The plan is clear: as their revenue doubles, so will their factoring line. We're growing with them, at their pace.
This isn't a story of replacing a credit line; it's a case of extending the client's capacity by pairing traditional banking with strategic factoring.
Factoring not only provides immediate liquidity, but it also helps stabilize cash flow, improve payment cycles, and reduce the financial stress of rapid growth. With more substantial cash flow and fewer short-term constraints, companies like Guardian Alliance can meet their obligations on time, strengthen their balance sheets, and ultimately become more bankable.
We're proud to work in alignment with banks, supporting clients through growth phases and preparing them for future access to larger credit facilities or long-term financing. When a company has strong receivables but limited room to maneuver, factoring becomes the bridge to help them grow responsibly, without increasing credit risk.
At Summar Financial, we don't replace banks—we support your clients when traditional credit alone isn't enough. Our non-recourse factoring services unlock working capital for companies with strong receivables, helping them grow sustainably while keeping their banking relationships intact.
If you're working with a client facing rapid growth and recurring cash flow gaps, let's talk. We're here to complement your offering and support your clients together.