Merchant Fund Express
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Emergency Funding for Roofing Companies

Stolen gear, wrecked trucks or a payment that fell through. Apply in 5 minutes. Decisions move fast, with funding in as little as 24 hours for qualified businesses.

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Roofing Emergency Funding

Keep crews working when something goes wrong

An emergency should not shut down your schedule. We fund roofing companies based on deposit history and show the 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 funding for roofers

Fast, simple, few documents

Five-minute application, about three months of statements, no tax returns. Funding in as little as 24 hours if qualified.

Credit flexibility

FICO 500+ considered. We start with a soft pull and look closely at your deposits.

No hidden surprises

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

Clear repayment plan

The schedule is laid out up front in your offer so you can plan it around current jobs.

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.

Roofing emergencies hit the business, not just the roof

A roofer's emergency is rarely about a single leak. It is a trailer stolen from the yard with a full load of tools. A crew truck totaled on the way to a job. A major customer check that bounces. A storm that floods your shop. A sudden insurance premium increase you have to cover to keep working. Each one can stop crews cold.

Emergency funding gives you cash to respond now, and a published schedule to repay it as work continues.

Situations roofers bring to us

How fast, and what we need

Decisions move fast, and qualified businesses can be funded in as little as 24 hours. The application takes about 5 minutes, and we ask for about three months of business bank statements instead of tax returns. FICO scores from 500 are considered, starting with a soft pull. Funders weigh how steady your deposits have been and what you already owe.

Staying clear-headed under pressure

Emergencies push owners to take the first offer they see. Before accepting, read the full repayment amount and the schedule in your offer, which we show before you sign. Borrow what the emergency requires. If your cash flow is generally tight, our roofing cash flow guide has ideas for building a cushion afterward.

For illustration: a stolen trailer

A roofing company loses a loaded trailer from its yard over a weekend. Two crews have jobs starting Monday. The owner applies, receives an offer, replaces the trailer and the most critical tools, and keeps the jobs on schedule while the insurance claim works its way through. This example is for illustration only. Start your application when you are ready.

Frequently Asked Questions

How fast is emergency funding for roofers?

Decisions move fast, and qualified businesses can be funded in as little as 24 hours after accepting an offer.

Can I apply while waiting on an insurance claim?

Yes. Many owners use funding to keep working while a claim is processed. Compare the full repayment amount in your offer against the cost of waiting.

What if my credit is not great?

We consider FICO scores from 500, alongside your deposits and existing obligations.

What paperwork do I need?

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

Can I use the money for anything business-related?

Working capital can cover a wide range of business needs. Tell us what the emergency is so we can point you to the right product.

Replace trailer $16,000.00
Stolen tools $12,500.00
Shop storm repair $29,000.00
Missed check gap $35,000.00

Example uses for illustration only.

How to improve your chances

A little preparation makes the next emergency easier to handle.

  • Lock and track trailers and tool storage
  • Review insurance coverage for tools and vehicles yearly
  • Build a cash reserve during the busy season
  • Keep bank statements easy to download quickly

Roofing emergency funding: us vs a bank

Merchant Fund Express
Traditional bank loans
Decision
Decisions move fast
Weeks of review
Funding
As little as 24 hours if qualified
Often too slow for emergencies
Documents
About 3 months of statements
Tax returns and financials
Credit
FICO 500+ considered
High scores expected
Credit check
Soft pull to start
Hard pull common

Handle the emergency and keep working

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

Apply for Funding
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