Our Financing Programs
At AFS, we've developed a suite of Financing Programs for dealers who want to grow their business. Find the program that is right for you.
Loans*
Build your business with AFS' Loan program. Designed for small to medium-sized alarm companies looking to grow -- finance an acquisition, consolidate debt, expand operations, or buy out a partner.- Loan Amounts $150,000 - $1.5 million
- Term Loans, Revolving Lines of Credit
Loan Benefits
Acquisition Services
Use AFS' Acquisition Services to help you target and acquire other alarm companies.- AFS assists with financing and negotiations
- AFS conducts due diligence
* Loans made under the California Department of Corporations Lenders License Law. License #6053798
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Loan Program
| Loan Amounts | $150,000 to $1,500,000 |
| Types of Loans | Term Loans, Revolving Lines of Credit |
| Loan Amortization | Up to 60 months |
| Interest/Fees | Industry-competitive interest rates and program fee |
| Advance Rate | Up to 15x Qualified Recurring Monthly Revenue (RMR) |
| Minimum RMR | Dealer must own at least $10,000 RMR |
| Collateral | Subscriber alarm monitoring accounts and contracts |
| Monitoring | Accounts may be monitored by current central station |
| Customer Billing | In many cases, dealer may continue to perform billing and collections processes. |
| Use of Funds | Acquire other alarm companies or blocks of accounts using the acquired RMR to repay the loan |
| Consolidate existing debt. Expand operations. Buy out partner. |
Get started now to see if you pre-qualify!
Loan Benefits
Alarm Financial Services (AFS) provides funding programs for operating alarm dealers throughout the US. AFS is run by a team of seasoned alarm industry veterans,
and has worked with hundreds of small and medium-sized security, fire alarm and personal emergency response (PERS) companies since 1987.
AFS CAN HELP YOU:
Make an Acquisition
Target and acquire other alarm companies or purchase a block of accounts. AFS assists with financing and negotiations and conducts due diligence.
Buy out a Partner
Raise the cash necessary to buy out a partner and repay the loan out of cash flow. Pass the family business to the next generation and still receive a payday.
Sell your Business or Accounts
Work with AFS to find a buyer for your company as an exit strategy. Or sell just a portion of your accounts while maintaining a direct relationship with your customers, keeping your company name and identity.
Re-Finance Existing Debt
Lock up a term loan or a revolving line of credit with a more competitive interest rate or more flexible terms. Enjoy some leeway to spend the money.
Obtain a Line of Credit to Grow Company
Secure a Term Loan or Line of Credit ranging between $150,000 and $2 million. Competitive interest rates. Continue billing your own customers and monitoring at your current Central Station.
Expand your Business
Access to capital can enable you to take your business to the next level. Increase marketing activities, hire new people, pay sales commissions, purchase equipment, open a new office.Sale Of Accounts
Highlights
- Sell a portion or all of your accounts to raise cash
- Competitive multiples
- Company name and identity remain the same
- Dealer retains up to 50% of accounts that AFS funds
- Dealer maintains relationship with customer and receives:
- ALL Referrals
- ALL Billable Service
- ALL Add-Ons, Upgrades
- AFS stays behind the scenes
- AFS pays Central Station monitoring fees
- AFS doesn�t rely on external financial backing � we use our own money, so there are no banks or investors to change covenants at will.
50/50 Hybrid Financing
Highlights
- Funding on existing blocks of accounts
- 25 multiple up-front, no hold-backs
- Dealer retains up to 50% of accounts after 42-46 months
- AFS pays dealer to provide service on accounts that AFS retains
- Opportunity for ongoing funding
Dealer Benefits
- Dealer retains up to 50% of accounts that AFS funds
- Dealer maintains relationship with customer and receives:
- ALL Referrals
- ALL Billable Service
- ALL Add-Ons, Upgrades
- AFS stays behind the scenes
- AFS pays Central Station monitoring fees
- AFS doesn�t rely on external financial backing � we use our own money, so there are no banks or investors to change covenants at will.
| Traditional Dealer Program | AFS Funding Program | |||
| Dealer�s RMR | $1,000 | $1,000 | ||
| Multiple | 30x | 25x | ||
| Funding After Holdback | $27,000 | $25,000 | ||
| RMR Returned to Dealer | $0 | $500/mo. | ||
| Total Revenue After 1 yr | $30,000 | 30x | $25,000 | 25x |
| Additional Revenue yrs 1-4 | $0 | $3,000 | 3x | |
| Additional Revenue yrs 4-7 | $0 | $18,000 | 18x | |
| Additional Revenue yrs 7-10 | $0 | $18,000 | 18x | |
| Total | $30,000 | 30x | $64,000 | 64x |
Get started now to see if you prequalify!
Funding Comparison
| Traditional Dealer Program | AFS Funding Program | |||
| Dealer�s RMR | $1,000 | $1,000 | ||
| Multiple | 30x | 25x | ||
| Funding After Holdback | $27,000 | $25,000 | ||
| RMR Returned to Dealer | $0 | $500/mo. | ||
| Total After 1 yr | $30,000 | 30x | $25,000 | 25x |
| Total After 4 yrs | $30,000 | 30x | $28,000 | 28x |
| Total After 7 yrs | $30,000 | 30x | $46,000 | 46x |
| Total After 10 yrs | $30,000 | 30x | $64,000 | 64x |
Get started now to see if you prequalify!