Merchant Fund Express
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Expansion Funding for Roofing Companies

Add crews, trucks, services or a new yard. From $25,000 to $5,000,000, with a 5-minute application and no tax returns required.

Fund My Growth

Roofing Growth Funding

Take on the jobs you are turning away today

Growth spends money before it earns it. We fund roofing expansion based on your deposit history, with the full repayment amount shown 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.

Funding that grows with your roofing business

Quick start, minimal paperwork

A 5-minute application and about three months of bank statements. No tax returns. Qualified businesses funded in as little as 24 hours.

Credit is not the only test

FICO 500+ considered, soft credit pull to start, and real weight on your deposit history.

Upfront cost clarity

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

Payments mapped in advance

Your offer lays out the repayment schedule, so you can plan it alongside your growth timeline.

Payroll before sales come in?

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.

Growing a roofing company costs money before it makes money

Adding a second crew means another truck, another trailer, more tools, more safety gear and weeks of wages before that crew is billing steadily. Moving into commercial flat roofing means new equipment, training and longer payment cycles. Opening a second yard in a nearby market means rent, signage and marketing to fill the schedule. The growth is worth it, but the cash goes out first.

Expansion projects roofers fund

New crews

Truck, trailer, tools, gear and initial payroll while the crew ramps up.

New services

Commercial flat roofing, metal roofing, gutters or solar-ready work, each with their own equipment and materials.

New territory

A second location, storage yard, local marketing and an estimator for the new area.

Vehicles and machines can often be handled through equipment financing for roofing, while the rest of the plan fits working capital.

What funders weigh for growth requests

A good plan helps, but funders mostly look at what your business is already doing: deposit consistency over about the last three months and the payments you already carry. Applying from a position of steady revenue tends to give you more room. We consider FICO scores from 500, start with a soft credit pull and do not ask for tax returns. Sole proprietors can apply.

See how roofing companies qualify for more.

For illustration: adding a crew

A residential roofer has more signed work than one crew can handle and is turning away leads. The owner funds a used truck and trailer, tools, gear and several weeks of wages for a new crew. Once the new crew is closing jobs, those deposits help cover the payments on the schedule in the offer. This scenario is for illustration only.

Start your growth plan

The application takes about 5 minutes. Your offer shows the full repayment amount and the payment schedule before you accept, and qualified businesses can be funded in as little as 24 hours. For larger, repeated draws, compare a business line of credit.

Frequently Asked Questions

Do I need a business plan to apply for expansion funding?

No formal plan is required. Knowing what you will spend the money on helps you request the right amount.

How much can a roofing company get to expand?

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

Can I combine equipment financing and working capital?

Many owners use equipment financing for trucks and machines, and working capital for payroll, marketing and other costs. Each offer shows its own repayment amount and schedule.

Is expansion funding available to sole proprietors?

Yes. Sole proprietors can apply.

How quickly can I get funded?

Qualified businesses can be funded in as little as 24 hours after accepting an offer.

Second crew truck $68,000.00
Crew ramp-up wages $40,000.00
New yard lease $22,000.00
Local marketing $18,000.00

Example uses for illustration only.

How to improve your chances

Roofers who expand smoothly usually prepare in a few specific ways.

  • Have a trusted lead ready to run the new crew
  • Expand when your backlog is steady, not on one big month
  • Keep business and personal finances fully separate
  • Phase spending so new revenue starts before all costs hit

Roofing expansion funding: us vs a bank

Merchant Fund Express
Traditional bank loans
Application
About 5 minutes online
Business plan and meetings
Documents
About 3 months of statements
Tax returns and projections
Credit
FICO 500+ considered
Strong credit expected
Speed
As little as 24 hours if qualified
Often weeks or more
Starting check
Soft credit pull
Hard pull common

Ready to grow your roofing company?

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

Apply for Funding
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