Merchant Fund Express
(305) 384-8391Apply

Same-Day Funding for Roofing, Built for Storm Season

Decisions move fast and qualified roofers can be funded in as little as 24 hours. Three months of bank statements, no tax returns, and a soft pull to start.

Check My Options

Fast Funding for Roofers

Fast capital for crews, materials, and storm work

Roofing cash flow lives and dies on timing. We keep the paperwork short so you can cover materials and labor while insurance and GC payments catch up.

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.

Why roofers come to us when time is short

Quick decisions, light paperwork

A 5-minute application and about three months of bank statements. Qualified roofers can be funded in as little as 24 hours.

Credit is not the whole story

FICO 500 and up is considered. Steady deposits from completed jobs carry real weight in the review.

Full cost shown before you sign

Your offer lists the total repayment amount up front. No surprise costs show up after you sign.

A schedule you can plan around

The repayment schedule is laid out in the offer, so you know what comes out and when before you commit.

Cash flow tight this month?

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.

What "same-day" really means for a roofing company

When a hailstorm rolls through and the phone lights up, roofers search for same-day funding because the work will not wait. We will be straight with you: we do not promise money the same day you apply. What we can do is move quickly. Decisions move fast, and funding can land in as little as 24 hours for qualified businesses.

For most roofing owners, that window is what matters. It is the difference between ordering shingles and underlayment this week or watching a competitor take the neighborhood.

Where fast capital earns its keep on a roof

If the money fixes a timing gap between work done and payment received, speed is worth paying attention to.

How we keep things moving

The application takes about five minutes and starts with a soft credit pull. We ask for roughly three months of business bank statements and no tax returns. That short list is a big reason decisions come back quickly. Your offer shows the full repayment amount and the repayment schedule before you accept, so you can decide with real numbers in hand.

When moving fast is the wrong call

Speed is useful, but it is not a reason to take on more than the job needs. Before you apply, put a number on the gap: how much the materials, crew, or repair will cost, and when the matching payment is likely to arrive. Borrowing for that specific window keeps the repayment in line with what the work will bring in. If you already carry other financing, tell us up front so the offer reflects it.

Picking the right product for the job

Fast funding can come as a merchant cash advance, working capital, or a business line of credit. A line can make sense if storm work comes in waves. A single lump sum often fits a specific job or purchase. If the slow months are the real issue, read our slow season funding page before you borrow for the winter.

Frequently Asked Questions

Can I get same-day funding for my roofing business?

We do not promise same-day funding. Decisions move fast, and qualified roofing businesses can be funded in as little as 24 hours after approval and paperwork are complete.

What do I need to apply?

About three months of business bank statements and a 5-minute application. We do not require tax returns, and the first step is a soft credit pull.

Does my credit need to be perfect?

No. We consider FICO scores of 500 and up. Your deposit history carries a lot of weight, especially for roofers with steady jobs coming in.

How much can a roofing company get?

Funding ranges from $25,000 to $5,000,000. The amount depends mainly on your monthly deposits and any existing obligations already coming out of your account.

Can a sole proprietor roofer apply?

Yes. Sole proprietors can apply. What we look for is an established business with steady deposits.

Shingle order $38,000.00
Storm crew labor $52,000.00
Dump trailer $24,000.00
Payroll gap $45,000.00

Example uses for illustration only.

How to improve your chances

A few habits help roofing owners get faster, stronger offers.

  • Run all job payments through one business bank account
  • Keep three months of statements ready to upload
  • Track which insurance and GC payments are still pending
  • Know your current monthly obligations before you apply

Fast funding vs a typical bank loan

Merchant Fund Express
Traditional bank loans
Speed
As little as 24 hours if qualified
Often several weeks
Paperwork
About 3 months of bank statements
Tax returns, financials, more
Credit
FICO 500+ considered
Usually stronger credit expected
Application
About 5 minutes
Long forms and meetings
Credit check to start
Soft pull
Hard pull is common

Get your roofing crew funded fast

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

Apply for Funding
Apply NowCall