The roof is on. The check isn't.

A registered US business with $1M+ in yearly revenue and at least 12 months of history in its business bank account. Owners do not have to live in the US, but the business itself needs to be a US entity with an EIN. You connect that bank read-only through Plaid so Spring can see the money already coming in, and Spring runs a credit check when it prepares your offer. There is no document packet to assemble; anything else is asked for after that. The amount is based on your verified deposits. Start at Spring Funding.

Once you sign your agreement, most businesses get their money the same day, sent by instant payment when your bank supports it. Before that, Spring reviews your connected bank to prepare your offer; if the review spots another account your business is paid into, you get an email asking you to connect it. Start at Spring Funding.

Automatically, from your business bank account: a set share of each day's receipts, which you choose on your offer, is collected by ACH until the agreed amount is delivered. A higher share pays it off sooner, for a lower fee; a lower one keeps each payment smaller. Once you sign, the fee never increases, and there are no origination, late, returned-payment or early-completion fees; every payment is visible in the Spring platform. Revoking the ACH authorization does not end the agreement, so if something changes in your business, email support@spring.ai and the team will walk through it with you. Details on Spring Funding.

One fixed fee, shown in your offer before you accept, that never increases. There are no origination, late, returned-payment or early-completion fees. Your amount, fee and payments depend on your verified deposits, so an exact number comes only from your offer; the estimate on Spring Funding gives a ballpark, and getting started takes about two minutes with no commitment.

Yes. Spring Funding for roofing contractors is the same working capital as Spring Funding: for a registered US roofing business with $1M+ in yearly revenue and at least 12 months of history in its business bank account. Owners use it for the bills that come before the last check on a job: materials, crews and subs, and the payroll that runs while claims and supplements are still open. Insurance work and retail work both count, because the amount is based on the deposits your business already makes.

No. Spring never contacts your customers, their insurers or their mortgage companies, and nothing about how a claim pays you changes: the first check, the deductible and the recoverable depreciation still come to you. You pay Spring back from your own business bank account, as a set share of each day's receipts that you choose on your offer. Details on Spring Funding for roofing contractors.

Spring reads at least 12 months of deposits in your business bank account, so a strong spring and a quiet winter are both in view, and your amount is based on those verified deposits. Payments are a set share of each day's receipts, collected automatically, and you see the amount, the fee and the payments in your offer before you accept. Start at Spring Funding for roofing contractors.

Yes, the bank link is read-only: your username and password go to Plaid, never to Spring, and the connection itself carries no permission to move money (security). Any repayment debit, for example on Spring Funding, rests on a separate, explicit debit authorization you give in the agreement you sign or in a dedicated authorize-a-bank step in your Spring account, and those are the only debits Spring initiates. What the link feeds is Spring's review of your application and the cash-flow forecast: revenue as it actually lands and retailer deposits recognized by payer, so your funding limit stays current without statement uploads.