How to Get RMR Funding Approved Faster

For alarm dealers and integrators, recurring monthly revenue (RMR) contracts are the lifeblood of your business. They’re also your most valuable asset when it comes to securing financing.

But here’s the catch: getting RMR funding approved often takes longer than it should. Lenders love the stability of recurring revenue — but if your contracts aren’t clean or your numbers aren’t organized, approvals can drag on for weeks.

Whether you call it RMR funding or RMR lending, the goal is the same: access capital faster and keep growing.

The good news? With the right preparation, you can speed up the process and get funding in days, not months.

TL;DR

Short on time? Here are the five fastest ways to get RMR funding approved.

• Standardize agreements into bank-ready contracts lenders can trust
• Use eSignatures and eVaulting for compliance and authenticity
• Organize financials and contracts before applying
• Know your RMR numbers (growth, churn, top customers)
• Work with lenders who understand security industry financing

1. Make Contracts “Bank-Ready”

Most delays in RMR lending happen because of contracts, not cash flow. Lenders need proof that your revenue is real, enforceable, and transferable.

Quick wins:

• Use a standard contract template (e.g., Kirschenbaum agreements) across all customers.
• Eliminate handwritten edits, missing initials, or one-off clauses that cause red flags.
• Switch from paper/PDFs to digital signatures that are ESIGN/UETA compliant.
• Store every agreement in an eVault so there’s one authoritative, tamper-evident copy.

👉 When your contracts are consistent and verifiable, you’ll have bank-ready contracts that lenders can approve in minutes instead of weeks.

2. Organize Before You Apply

Nothing slows down funding like scrambling to gather documents. Be proactive and keep everything a lender might ask for in one place.

Have these ready:

• Contract portfolio: A clean, organized set of all active RMR agreements.
• Financial statements: 2–3 years of P&L, balance sheets, and cash flow statements.
• RMR reports: Show your monthly recurring revenue, customer mix (residential vs. commercial), and attrition rates.
• Projections: Forecasts for at least 12–24 months that show how the loan will fuel growth.

👉 A clean portfolio speeds up recurring monthly revenue funding requests and keeps deals moving.

3. Know Your Numbers

Banks and specialty lenders want confidence you can repay. That means knowing your financial story cold.

Be ready to explain:

• How much RMR you’re generating today (and how it’s trending).
• Churn/attrition rates — lenders want stability.
• Top customer breakdown — who’s driving your revenue.
• Debt-to-income ratio — show you’re not overextended.

👉 For most banks, alarm dealer financing comes down to proving your revenue is steady and your growth plan is realistic.

4. Build Relationships With the Right Lenders

Not every lender understands the security industry. Some see RMR as risky or confusing. Others see it for what it is: a predictable, high-quality revenue stream.

Tips:

• Focus on lenders who specialize in security and alarm financing (many already work with companies on the SDM 100).
• Keep communication open — share performance updates even before you need a loan.
• Be upfront about attrition, renewals, and contract terms.

👉 Specialty lenders who focus on security industry financing already understand the RMR model — which makes approvals much faster.

5. Respond Fast During Review

Even with perfect prep, lenders will have questions. How you handle those questions can speed things up — or slow things to a crawl.

Best practices:

• Assign one person to be the point of contact.
• Reply to requests within 24 hours.
• If you don’t have the answer yet, acknowledge the request and give a timeline.

👉 Responsiveness signals professionalism and keeps your application at the top of the stack.

Bottom Line

Getting RMR funding approved doesn’t have to be a long, frustrating process.

By cleaning up your contracts, organizing your financials, knowing your numbers, and working with lenders who understand RMR, you can turn your contracts into the powerful assets they are — and access capital faster.

That’s exactly why we built Loyva: to give alarm dealers lender-ready contracts with built-in eSignatures, compliant eVaulting, and audit-proof storage. So the next time you apply for funding, you’re not waiting on paperwork — you’re getting approved and moving forward on RMR funding.

Ready to see how Loyva can make your contracts lender-ready? Book a demo today and get funding approved faster.

About the Author

Nicholas Tyson is Co-Founder and Chief Customer Officer at Loyva, the only eVaulting and eSignature platform built for the alarm and security industry. With more than a decade of experience helping dealers streamline operations and maximize valuation, Nicholas is passionate about turning contracts into strategic assets — not bottlenecks.