Merchant Fund Express
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Equipment Financing for Roofing Contractors

Trucks, trailers, hoists and tools without draining your operating cash. 5-minute application, soft credit pull, no tax returns required.

Finance My Equipment

Roofing Equipment Financing

Add capacity to your crews without emptying the account

Better equipment means faster tear-offs and more jobs per week. Financing it keeps cash on hand for payroll and materials.

As fast as
24 hours

Amount to request

$85,000.00

Funding range$25K to $5M

*Sample amounts shown. Your actual offer depends on your business and is reviewed before approval.

Equipment financing roofers can count on

Fast decisions, short paperwork

Apply in 5 minutes with about three months of bank statements. Funding in as little as 24 hours for qualified roofers.

Credit is one factor

FICO 500 and up is considered. Steady deposits weigh heavily in the review.

See the full cost first

The full repayment amount is in your offer before you accept, with no surprise costs after you sign.

Repayment set out in advance

Your repayment schedule is laid out in the offer up front, so you can budget it next to job income.

Ready to see your numbers?

Fast decisions. Applying takes about 5 minutes.

Apply Now

How it works

Apply in minutes

A short application. A soft credit pull to start.

Fast decision

We review revenue, time in business and bank activity, not just a credit score.

Review your offer

You see the amount, the schedule and the full repayment amount before you sign.

Get funded

Funding in as little as 24 hours for qualified businesses.

The right equipment means more roofs per week

A roofing crew's output depends on what it can haul, lift and fasten. A dump trailer that saves a trip to the landfill, a material hoist that spares the crew's backs, or a second work truck that lets you run two jobs at once all add capacity. Equipment financing lets you add that capacity without pulling cash away from payroll and materials.

Equipment roofing companies finance

CategoryExamples
VehiclesWork trucks, crew vans, flatbeds
HaulingDump trailers, equipment trailers
LiftingMaterial hoists, ladder lifts, conveyors
ToolsPneumatic nailers, compressors, seamers, roof cutters
SafetyFall protection systems, guardrails, harnesses

New and used equipment both come up. Share what you plan to buy and we will review it with your file.

How we look at your request

We review about three months of business bank statements to understand your deposits and existing obligations, including payments on trucks or tools you already own. That shows what the business can comfortably carry. No tax returns are required, FICO 500 and up is considered, and we start with a soft credit pull.

Funding ranges from $25,000 to $5,000,000. Your offer lays out the full repayment amount and the repayment schedule before you accept, with no surprise costs after you sign.

Repairs vs. new purchases

If a truck or compressor breaks down in the middle of the season, speed matters. Decisions move fast, and qualified businesses can be funded in as little as 24 hours. Our roofing equipment repair funding page covers that situation. If you are adding equipment to grow into a second crew or new service area, see roofing expansion funding.

Running the numbers before you buy

For illustration, a second dump trailer might let a crew finish tear-offs faster and move to the next job a day sooner. Estimate the added jobs or saved costs per month and compare that with the repayment schedule in your offer. If the equipment clearly earns its keep, it is a strong use of financing. Also think about upkeep, storage and insurance on the new equipment, since those costs come along with it. When you have a quote, apply in about 5 minutes.

Frequently Asked Questions

Can I finance safety equipment like fall protection?

Yes, you can include safety gear in your request. Tell us what you plan to buy and we review it with your file.

Can I finance a used truck or trailer for my roofing business?

Used equipment comes up often. Share the details and we review the request alongside your deposit history.

Do I need a quote from the dealer?

A quote or invoice helps show exactly what the funds cover, but you can start the application first.

What credit score is required?

FICO 500 and up is considered. Deposits and existing obligations are weighed alongside the score.

Are tax returns required?

No. About three months of business bank statements and the 5-minute application are enough to begin.

How fast can I replace a broken compressor or truck?

Decisions move quickly, and qualified businesses can be funded in as little as 24 hours.

Dump trailer $16,000.00
Material hoist $12,000.00
Crew truck $62,000.00
Fall protection kit $8,500.00

Example uses for illustration only.

How to improve your chances

Gather these before applying for roofing equipment financing.

  • Get a written quote from the dealer or seller
  • List current truck and equipment payments
  • Keep job deposits in one business account
  • Estimate the extra work the equipment will support

Roofing equipment financing compared

Merchant Fund Express
Traditional bank loans
Application
About 5 minutes
Extended paperwork
Documents
Bank statements, no tax returns
Tax returns and financials
Credit
FICO 500+ considered
Higher scores typically needed
First credit check
Soft pull
Hard pull common
Speed
As little as 24 hours if qualified
Often weeks

Get your roofing equipment funded

One secure application. A soft credit pull to start. No obligation to accept an offer.

Apply for Funding
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