Merchant Fund Express
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Funding for Emergency Roof or HVAC Repairs

Leaking roof or dead rooftop unit? Get the fix moving. $25,000 to $5,000,000, funding in as little as 24 hours for qualified businesses.

Get Repair Funds

Emergency Facility Repair Funding

Fix the building and reopen the doors

Closed days cost more than the repair. Apply in 5 minutes with about three months of statements, and see your full repayment amount before you accept.

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.

Emergency repair funding, without the scramble

Speed when it matters

Five-minute application, about three months of statements, funding in as little as 24 hours for qualified businesses.

Credit considered broadly

FICO 500+ is considered. Deposits and obligations matter as much as the score.

No guessing on cost

Your offer shows the full repayment amount before you accept, with no surprise costs after you sign.

Schedule shown up front

The repayment schedule is laid out in your offer so you can check it against cash flow.

Waiting on deposits to land?

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.

When the building stops cooperating

A roof leak over the dining room, a rooftop unit that quits in July, a boiler that fails in January. Facility emergencies do not wait for a good month, and they can shut a business down until the fix is done. For a restaurant, salon, clinic, or warehouse, every closed day costs revenue on top of the repair bill.

We fund established businesses with steady deposits from $25,000 to $5,000,000 for urgent repairs at their own commercial locations. The 5-minute application starts with a soft credit pull, and funding can arrive in as little as 24 hours for qualified businesses.

How a funder sees an emergency request

The urgency does not change what gets weighed:

Having a contractor's written quote ready helps you request the right amount. If insurance may cover part of the damage, funding can keep work moving while that process plays out, but size the request to what you can repay regardless of the claim outcome.

Which product fits the repair

Working capital covers the contractor invoice and any lost-revenue gap. Equipment financing can fit when you are replacing a full HVAC system or rooftop unit. A business line of credit gives an older building a standing cushion for the next surprise. Storm damage specifically? See funding for recovering after a storm.

Move fast, but read the offer

Emergencies push people to sign anything. Do not. Every offer from us shows the full repayment amount and the repayment schedule before you accept, so you can check it against your cash flow in a few minutes. No tax returns are required, so you are not digging through filing cabinets while water drips into a bucket.

Repair now, or replace?

Contractors often present two options: a patch that buys a season, or a full replacement that costs more today but ends the repeated service calls. There is no single right answer. A patch can make sense if you plan to move, sell, or renegotiate a lease soon. Replacement often makes sense when the unit or roof is near the end of its life and the next failure would close you again. Ask the contractor for both quotes in writing, along with the expected life of each. Then compare each option against the repayment schedule in your offer. The cheaper fix is not always the lower-cost choice once you count another closed weekend.

Frequently Asked Questions

How quickly can I get funds for an emergency repair?

Decisions move fast, with funding in as little as 24 hours for qualified businesses.

Can I use this for a building I lease?

If your lease makes you responsible for roof or HVAC repairs, working capital can cover that cost. Check your lease terms first.

Is equipment financing an option for a new HVAC unit?

It can be. Equipment financing is often used when a full system or rooftop unit is being replaced.

What if insurance might reimburse me later?

Funding can keep repairs moving while a claim is reviewed. Size your request to what the business can repay either way.

What do I need to apply?

About three months of business bank statements and a 5-minute application. No tax returns required.

Roof patch $32,000.00
Rooftop HVAC unit $58,000.00
Boiler replacement $41,000.00
Lost-revenue gap $25,000.00

Example uses for illustration only.

How to improve your chances

A few quick steps make an emergency repair request smoother.

  • Get a written contractor quote before applying
  • Check your lease for who owns roof and HVAC repairs
  • Gather three months of business bank statements
  • Note any pending insurance claim when you apply

Emergency repair funding vs. a bank loan

Merchant Fund Express
Traditional bank loans
Speed
As little as 24 hours if qualified
Weeks of review
Documents
About 3 months of statements
Tax returns and appraisals
Credit
FICO 500+ considered
Higher scores expected
Credit check
Soft pull to start
Hard pull early
Cost clarity
Full repayment shown before you accept
Varies by lender

Get the repair crew on the roof

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

Apply for Funding
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