Merchant Fund Express
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Revenue-Based Financing for Roofing Contractors

Funding sized from the deposits your roofing jobs generate. FICO 500+ considered, no tax returns, and a 5-minute application with a soft pull.

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Revenue-Based Financing

Built around your revenue, not a pile of paperwork

Roofing revenue moves with weather and storm cycles. We look at your actual deposits to size funding that makes sense for your company.

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.

Revenue-based funding made for roofers

Fast and light on documents

Three months of bank statements and a 5-minute application. Qualified contractors can be funded in as little as 24 hours.

Revenue matters more than score

FICO 500 and up considered. Your deposit history drives much of the decision.

Total cost before you commit

The full repayment amount is spelled out in your offer. No surprise costs appear after you sign.

Repayment you can see coming

Your repayment schedule is in the offer, so you can plan it around slow weeks and busy ones.

Waiting on deposits to land?

Fast decisions. Applying takes about 5 minutes.

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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.

Funding sized from the jobs you already close

Revenue-based financing looks at what your roofing company brings in, then sizes funding around that. Instead of leaning on hard collateral or years of tax returns, the review centers on your business bank deposits. For a contractor whose income swings with weather and storm cycles, that approach can feel more realistic than a bank's checklist.

Why the model fits roofing

Roofing revenue is lumpy. You might close three full replacements in a week, then wait on weather for ten days. Revenue-based financing is built around your sales history, which makes it a natural match for businesses with real volume but uneven timing.

Common uses

What the process looks like

  1. Complete the 5-minute application. We start with a soft credit pull.
  2. Upload about three months of business bank statements. No tax returns.
  3. Review your offer, which shows the full repayment amount and the repayment schedule.
  4. Accept if it works. Qualified roofers can be funded in as little as 24 hours.

What we look for in the statements

When we review a roofing company's bank statements, we are trying to understand the rhythm of the business. How do deposits look in the busy season compared to the shoulder months? Are insurance payments, homeowner checks, and GC draws landing regularly? How much is already going out each month to other financing? And how often does the balance get tight?

None of those questions has a single right answer. A company with big summer months and quiet winters can still be a good fit, as long as the overall pattern is steady and the funding amount is sized with the slow stretch in mind. That is the point of basing the offer on revenue: it reflects how your roofing business actually earns, not how a spreadsheet assumes it should.

How it compares to other options

A merchant cash advance also relies on sales, while a line of credit lets you draw as needed. If you are weighing those two, our side-by-side comparison breaks it down. We are happy to walk through which structure fits your season.

Frequently Asked Questions

What is revenue-based financing for roofing?

It is funding sized mainly from your business deposits. We review your bank statements to understand revenue patterns and existing obligations, then make an offer based on that picture.

How much can a roofing contractor receive?

Funding ranges from $25,000 to $5,000,000. The amount depends mainly on your deposits and current obligations.

Do I need strong credit?

We consider FICO scores of 500 and up. Revenue history carries a lot of weight in this type of funding.

What paperwork is involved?

A 5-minute application and roughly three months of business bank statements. No tax returns are required.

Will I know the full cost before I agree?

Yes. Your offer lists the total repayment amount and the repayment schedule before you accept, with no surprise costs added afterward.

Commercial job $120,000.00
Second crew $65,000.00
Storm marketing $28,000.00
Supplement wait $54,000.00

Example uses for illustration only.

How to improve your chances

Clean revenue records lead to better revenue-based offers.

  • Keep personal and business deposits separate
  • Deposit insurance and homeowner checks promptly
  • Keep your average balance from dipping too low
  • Have recent statements ready before applying

Revenue-based financing vs a bank loan

Merchant Fund Express
Traditional bank loans
Basis for amount
Your business deposits
Collateral and tax returns
Paperwork
About 3 months of statements
Extensive financial package
Credit
FICO 500+ considered
Stronger credit expected
Credit check to start
Soft pull
Hard pull is common
Speed
As little as 24 hours if qualified
Several weeks typical

Put your roofing revenue to work

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

Apply for Funding
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