You front the tear‑off. The check comes at closeout. We fund the gap in 24–48 hours.
Working capital for roofing contractors — $20K to $2M against your deposits, not your balance sheet. Cover material, crews, and mobilization now; repay as ACV, depreciation, and pay applications land. See your options in 60 seconds, free and with no obligation.
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Check your funding options
How much funding are you looking for?
Insider insight
Right-size the ask to your revenue
Approvals move fastest when the amount requested lines up with what your deposits can comfortably service — most direct lenders fund up to roughly 1–1.5× your average monthly revenue. Not sure what's realistic? Your advisor will help you land on the right number.
The roof goes on in a day. The money comes in pieces.
You buy the material, you pay the crew at completion, and then you wait — on the mortgage company, on the adjuster, on the supplement, on a builder's draw. The job was profitable the day you sold it. The calendar is what hurts.
You buy the roof before you get paid for the roof
Material hits the driveway before tear-off. The crew gets paid by the square within days of finishing. On an insurance job, the first check is actual cash value — the depreciation, which is most of your profit, comes later.
Recoverable depreciation releases last, by design
The carrier holds it until the work is complete and the final invoice is submitted. If there's a mortgage on the house, the check is made out to the homeowner and their lender, which means an endorsement, sometimes an inspection, sometimes a three-stage escrow release. All of it happens after your crew has been paid.
Supplements move on the adjuster's calendar, not yours
Code upgrades, decking, ice-and-water, extra layers — the money is legitimately owed and it still takes weeks of back-and-forth to approve. Meanwhile the job is finished, the supplier invoice is due, and you're carrying the difference.
Crews follow the money
Subs paid by the square work for whoever pays on time. Slow-pay your best crew once in the middle of season and they're on somebody else's roof next Monday — and you're rebuilding a production capability during the only twelve weeks that matter.
Storm season doesn't schedule around your bank balance
Hail lands on a Tuesday and the market is competitive by Thursday. Staffing up, mobilizing crews, licensing and permitting in a new county, and putting canvassers on the ground all happen weeks before a single ACV check clears.
Every lead is bought two months before it funds
Canvassers, setters, PPC, mailers, and lead fees are cash out today for a job that gets sold next month, built the month after, and paid in full sometime after that. Marketing is the longest receivable in the business.
From application to funded, before the next material drop
No job costing to assemble. No Xactimate exports. No two years of returns. No waiting weeks for a maybe while the crew sits.
Tell us about the company
A 60-second application — no scope sheets to pull, no supplement packets, no tax returns to dig up. Just the basics that let us match you to the right structure.
Talk to an advisor who knows the trade
Your dedicated Funding Advisor reviews your file and confirms real options, usually the same business day. Tell them how your mix of insurance, retail, and commercial actually pays and repayment gets built around that.
Get funded
Approve your terms and the capital lands in your business account — as soon as the same day, and typically within 24–48 hours of a signed agreement.
One direct lender. Every way to fund a season.
Because we underwrite in-house, we match the structure to the need — a three-week bridge on a material buyout is a very different product than a boom truck you'll run for a decade.
Working Capital
$20K – $1M
The gap product. Cover material, crews, and mobilization now, and repay as ACV, depreciation, and pay applications land. Decided heavily on your deposits, not your credit score.
Term Loans
$25K – $2M
Fixed payments for planned moves — a second production crew, a new market, a warehouse and yard, an in-house sales team. Rates as low as 5.99% for strong files.
Equipment Financing
Up to $2M
Dump trailers, conveyors and hoists, boom trucks, service vehicles, and safety systems — financed with the equipment itself as collateral.
Line of Credit
$10K – $250K
Draw per job or per storm, repay when the checks clear, and only pay for what you're using. Built for running a dozen jobs at different stages at once.
Six places a few weeks of capital changes the season
This isn't money to sit on. It's money with a build date — and every one of these has a deadline attached to it.
Material buyouts and price increases
Manufacturers announce shingle increases with weeks of notice. Buying ahead of one — and taking the supplier's early-pay discount instead of stretching the account — is a real, calculable number to weigh against a short bridge.
Paying crews between the checks
Tear-off Monday, dry-in Tuesday, crew paid Friday, depreciation released whenever the file closes. Cover production payroll so your best crews stay yours through the only twelve weeks that matter.
Mobilizing into a storm market
Trucks, housing and per diem, state and county licensing, permits, dumpsters, and boots on the ground all land before the first ACV check. Fund the front end so a storm doesn't turn into a cash problem.
Buying leads and running the canvass
Setters, canvassers, PPC, and lead fees are spent 60 to 90 days before the money comes back. Funding the top of the funnel is what decides how big your season is — and it has to happen before the season, not during it.
Commercial and builder work
TPO, EPDM, and mod-bit jobs pay on pay applications with 5–10% retainage held to closeout, and builder work runs on draws. Bigger tickets, longer money — carry them without starving the residential side.
Equipment — buy it or fix it
Dump trailers, conveyors, magnetic sweepers, safety systems, a boom truck for commercial. Finance the equipment with the equipment as collateral, up to $2M, or cover an emergency replacement this week.
Residential and commercial. Insurance, retail, and new construction.
Storm-driven or steady, one crew or six, shingles or single-ply. If you buy the material and pay the labor before the money lands, your cash flow is exactly what we underwrite.
- Residential re-roofing
- Asphalt shingle
- Storm & insurance restoration
- Commercial flat roofing
- TPO, EPDM & PVC single-ply
- Modified bitumen & built-up
- Metal roofing
- Standing seam
- Tile & slate
- Cedar shake
- Roof coatings & restoration
- Low-slope & modified systems
- Gutters & downspouts
- Siding & exteriors
- Windows & doors
- Solar & roof integration
- Skylights
- Waterproofing & sealants
- Attic insulation & ventilation
- Multifamily & HOA roofing
- New construction & builder roofing
- Roofing & general contracting
- Sheet metal & flashing
- Roof inspection & maintenance programs
Don't see your specialty? It's on the list. Pick the closest match on the form and your advisor will sort it out.
Express Capital vs. other lenders
A bank wants two years of returns, a clean seasonal trend line, and four to eight weeks. The storm was last week. Plenty of online shops will move fast and price it like an emergency. Here's the honest middle.
Swipe to compare all three →
You've filled out a roofing funding form before. You know what happened next.
Your phone rang for a month straight. That's a broker who collected your file and sold it into a network. Express Capital funds with its own money — one decision, one advisor, one number that calls you.
We fund with our own capital
Most "contractor funding" sites are brokers who shop your file to third parties and take points off the top. We keep the paper on our own books — so the decision, the terms, and the money all come from one place.
One decision, not a bidding war
We underwrite in-house, so there's no waiting on an outside committee while a build date slides. Straightforward files can see a real offer — and funding — the same business day.
We expect the season to be lumpy
Roofing revenue is weather-driven, and a chart of it looks alarming to a lender that funds restaurants. We underwrite deposits with the seasonality in view, so a strong operator doesn't get penalized for a quiet February.
A relationship, not a transaction
Because we hold the paper, we want you to have a bigger season next year. Renewals, increases, and better terms as you grow are the whole point of doing it this way.
An advisor who already knows what recoverable depreciation is
No call center. No getting passed around. One dedicated Funding Advisor who learns your market, your mix, and your season — and picks up the phone when a storm lands three states away.
They learn how your jobs actually pay
Insurance, retail, builder, commercial — each pays on a different clock, and most roofers run a mix. Tell them the real breakdown and repayment gets sized around it, not around a grid that assumes even monthly revenue.
They stay through the season
The same person for the spring ramp, the storm chase, the winter carry, and the renewal. A relationship, not a ticket number and a new rep each time.
They fight for your file
When the numbers are close, a human who understands weather-driven revenue and a claims backlog can find a path a rigid scoring model never would — the difference between a “no” and a solution.
They help you build
We report to the business credit bureaus and share that reporting with you — so each round builds credit history in the company's name and makes the next round stronger.
Capital priced for operators
Checking your options is free, takes about 60 seconds, and comes with no obligation.
Old-school relationship banking, brought back
Rated 4.8/5 stars across hundreds of reviews on Trustpilot and Google. One client — a seasonal operator carrying payroll through the slow months — described the difference better than we could.
“We worked with Jon at Express Capital — I actually built the relationship a year ago. One of our businesses has regular marketing needs and down-season payroll needs that we often use short-term funding for during the winter months. We just began our initial agreement with Express Capital and the process has been really smooth so far.
What we really like is that they operate like your old-school banker may have operated generations ago. They ask for a list of your objectives and talk through your needs for funding — they want to get to know the business. They also report to business credit for you and help you build your business credit history, and provide that reporting to you. Most lenders just look at your past three months of revenue, run their typical equation, and hand you a max loan amount with difficult payback terms.
Express Capital approves a total amount, but you can draw what you want based on need — like a line of credit — so you only pay interest on what you're currently using. They keep in touch, re-evaluate, and can issue more funds if needed. They can also refinance and extend terms, and will even work with a business that can't make a payment rather than sending it straight to collections.
Personal relationships and the ability to talk to someone who crafts things just for you is a lost art in a world of shoveling products through a lead funnel as fast as possible. This is where Express Capital offers real market differentiation — an excellent solution for any business, especially small ones.”
“After weeks of dealing with brokers offering less-than-ideal terms, Mico took the time to learn about our business and developed solutions for our capital needs at great rates. Express Capital are direct lenders, so you're dealing directly with decision-makers — someone you can build a longer-term financial relationship with. The whole process was smooth and got us funded at great rates.”
“Great experience! Dan Morris treated me with total respect and handled everything professionally. Transparent terms and very fair rates. I'll definitely be back if I need help again.”
“Jon and Kamila were great to work with. They understood my needs and were able to structure financing to meet them.”
“Jon made the process super fast and easy for us — no haggle, just got it done. By far the easiest company to work with if you need additional funds for your business.”
“Anthony at Express Capital Funding was outstanding. He was quick, efficient, and incredibly kind throughout the entire process. He made everything simple and stress-free, kept communication clear, and truly cared about helping. I highly recommend Anthony and Express Capital Funding to anyone looking for fast and reliable funding with excellent customer service.”
“Working with Jess is key — along with the flexible, custom options. Great experience from the start!”
“Amazing experience all around. I spent almost a month shopping around for loans. Everyone either was an immediate no or wanted to rush me to sign immediately. Once I finally found these guys, Anthony called me with a very warm greeting and conversation. He spent about a week with me going back and forth trying to find the absolute best option for me. I am so glad I found them as I will continue to come back to them for future capital needs.”
“Great experience with Express Capital! I just received my second round of funding with them. Justin, Pablo, and Brian are the best — a pleasure to work with!”
“Great communication and fast response. Very pleased with the service.”
Straight answers for roofers
Insurance proceeds, storm seasonality, commercial retainage, equipment. The questions roofing contractors actually ask before they sign anything — answered plainly.
Yes, but not the way a factor would do it. We don't buy the claim or the receivable, so there's no assignment, no notification to the carrier, no contact with the adjuster, and nothing filed against the homeowner's file. What we fund is working capital against your overall cash flow, which solves the same problem: work you've completed and haven't been paid for. Nothing about the claim changes — it settles exactly the way it would have.
No. Your customers never hear from us. We're a direct lender funding your business against its deposits — not a party to your claims, your contracts, or your customer relationships. That also means we never appear on a settlement, an endorsement, or a mortgage company release.
It's expected. Roofing revenue is weather-driven, and a lender that doesn't understand the trade reads a quiet quarter as a warning sign. We underwrite the deposits in your business bank account over recent months with the seasonality in view — so tell your advisor when your season runs and whether a recent stretch was weather or something else. Context from an operator carries real weight in a close file.
That's one of the cleanest uses of a short bridge in this trade. A manufacturer increase with 30 days' notice, a large buyout where the supplier's early-pay discount is on the table, or a batch of jobs that need material staged at once — each has a calculable benefit you can weigh directly against the cost of the capital. Bring the numbers to the call and your advisor will do that math with you.
Yes — equipment financing up to $2M, with the equipment itself as collateral. That covers dump trailers, conveyors and hoists, boom and crane trucks, service vehicles, and safety systems. If what you need is a down payment or an emergency repair instead, that's usually working capital. Your advisor will tell you which structure costs less for what you're doing.
Be upfront about it. Surety underwriters look at working capital and total debt, so any financing becomes part of that picture, and a UCC-1 filing is public. Tell your advisor you're bonded and they'll size and structure the funding with your surety relationship in mind — and tell you honestly if the timing or the amount would work against you. We'd rather lose the deal than cost you bonding capacity.
Generally: at least 6 months in business, revenue in the last 4+ months, roughly $10,000+ in average monthly revenue, and a U.S. business bank account. To see options, the 60-second form is enough. To fund, we'll usually want recent business bank statements — no job costing package, no supplement files, no two years of tax returns. Credit is considered, but strong, steady deposits can offset a thinner score on many of our programs.
Express Capital is a direct lender making true business loans — stated terms, no pre-payment penalty, and no broker points taken out of your funding. A merchant cash advance buys a slice of your future receipts at a factor rate, which is a different instrument with a different cost. If a short revenue-based structure genuinely fits your situation better, your advisor will put both sets of numbers in front of you and tell you which one costs less.
As is standard across virtually all business financing, we may file a UCC-1 financing statement. That's a routine public filing noting our interest in business assets — it is not a mechanic's lien, it has nothing to do with the properties you're working on, it isn't a lien on your home, and it's released once the funding is paid off. Your advisor will walk you through exactly what it means before anything is signed.
Not automatically. We fund from cash flow first, so consistent deposits can carry a file that a credit-first lender would decline. Free consumer apps usually show a VantageScore, while lenders pull FICO — those can run 70–100 points apart. If the numbers are close, talk to an advisor rather than assuming the answer; we regularly find paths for operators other lenders turned away.
Straightforward files often see a real offer the same business day, with funds landing as soon as the same day when you get bank statements over quickly — and typically within 24–48 hours of signing. Practical advice: if the storm hit this week, start now, not after you've booked twenty jobs you can't build. Larger or more complex requests take a little longer, and your advisor will give you the honest timeline up front.
Yes. Your data is encrypted in transit, we never sell it, and you're in control of every step before anything is finalized. Because we're a direct lender and not a broker, your file doesn't get distributed to a network of buyers — which is why your phone doesn't start ringing off the hook.
Know what you can build — before the next storm
About 60 seconds, no obligation, and a dedicated advisor calls you personally — usually the same business day. Get your number before the season, not in the middle of it.