Materials and crews get paid before the final check clears. See how roofers manage the gap, and how our funding can carry jobs through to payment.
Get StartedRoofing cash flow
Weather, insurance claims and slow payers stretch the time between cost and collection. We fund roofers from $25,000 to $5,000,000.
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.
5-minute application and about three months of bank statements. As little as 24 hours to funding if qualified.
FICO 500+ considered. We look closely at your deposit history.
Your offer shows the full repayment amount before you accept, and nothing new appears after you sign.
The schedule is laid out in your offer up front, so you can map it against your job calendar.
Fast decisions. Applying takes about 5 minutes.
A short application. A soft credit pull to start.
We review revenue, time in business and bank activity, not just a credit score.
You see the amount, the schedule and the full repayment amount before you sign.
Funding in as little as 24 hours for qualified businesses.
On most roofing jobs, you pay first and collect later. Shingles, underlayment, metal panels and dumpster rentals are bought before tear-off. Crews get paid every week. Then the final payment waits on the homeowner, the general contractor, or an insurance adjuster. Stack a few jobs together and the money going out can run well ahead of the money coming in.
Storm season can bring more work than you can staff, while winter in colder regions slows starts to a crawl. Rain delays push completion dates and push back the checks with them. A roofer can have a record year and still be short on cash in March.
Roofers who also keep a simple job-by-job ledger, showing material cost, labor and the date each payment arrived, can spot which customers and job types tie up cash the longest.
After a major storm, demand can jump overnight. The roofers who capture that work are the ones with materials on hand and crews ready, which means spending heavily before any insurance check arrives. The same applies to a large commercial reroof or a multi-building contract. Before taking on a surge, map the timeline: when you buy materials, when you pay crews, and when each payment realistically lands. Funding sized to that timeline, not just to the contract value, keeps you from overextending. Our pages on roofing payroll funding and how roofing companies qualify go deeper.
Merchant Fund Express offers working capital for roofing to buy materials and cover payroll while you wait on payment, a business line of credit for roofing for storm-season surges, and equipment financing for trucks, lifts and trailers. Amounts run from $25,000 to $5,000,000. We review about three months of bank statements and do not need tax returns.
Ready to see where you stand? Apply in 5 minutes.
Yes. Materials and crew payroll ahead of payment are among the most common uses.
We look at your recent deposits and existing obligations together. Seasonal patterns are part of the picture, not an automatic factor either way.
FICO 500+ is considered. Deposit history carries a lot of weight.
Qualified businesses can be funded in as little as 24 hours.
No. The application takes about 5 minutes and starts with a soft credit pull.
Yes. We look at deposits and existing obligations together, and seasonality is common in roofing. The review considers your actual pattern.
Example uses for illustration only.
These steps shorten the wait between buying materials and getting paid.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding