Building the future of funeral funding with compassion and innovation.
Our distinction stems from three decades of funeral profession expertise that has revolutionized funeral funding across North America, blending pioneering technology, unparalleled customer service, and streamlined paperwork elimination to deliver an unprecedented funeral funding experience. TOPTIER now delivers what funeral homes need most: same-day funding and 24/7 live support.
The Foundation
Aaron Calloway, alongside his father Steve, founded Express Funeral Funding and grew it from a small startup into the fastest-growing company in the funeral profession. This success established Aaron as the driving force behind modern funeral funding and set the stage for an even greater vision.
Redefining the Standard
Aaron pioneered non-recourse funding, eliminated outdated claim forms, and introduced the first online funding platform built for funeral homes. His innovations reshaped how directors and families accessed money, giving them speed, certainty, and freedom from long-standing frustrations with insurance claims.
Trusted Nationwide
Through relentless growth and strong relationships, Aaron’s leadership transformed funeral funding into a true national network - trusted by thousands of funeral homes across the country. Funeral directors knew him not just as a provider, but as a partner who fought to make their businesses more efficient and profitable.
The Evolution: TOPTIER
With two decades of experience and unmatched industry relationships, Aaron launched TOPTIER Funeral Funding - a company designed to raise the bar once again. At its heart is TOPTIER Connect, the most advanced funding system ever created, engineered to simplify claims and deliver results in real time.
Our values
Aaron’s mission remains unchanged: remove delays, protect families, and empower funeral homes as the trusted partner they can count on for life. As such, our values reflect our commitment to compassion, innovation, and service - guiding every interaction as we support families and funeral professionals with unmatched care and efficiency.
- Compassion First
- We serve families with empathy and dignity, ensuring their needs are met with care and respect.
- Innovate Relentlessly
- We lead the industry with pioneering solutions like TOPTIER Connect and Advance Family Pay.
- Deliver with Speed
- Our Two-Step Funding Process ensures immediate or same-day payments for most claims.
- Support Around the Clock
- We offer 24/7 customer service, standing by our promise to be there whenever needed.
- Simplify the Process
- We eliminate burdensome paperwork, streamlining the financial aspect of farewells.
- Uphold Excellence
- We maintain unparalleled standards, redefining the landscape of funeral funding.
The funeral funding partner families and top providers rely on
For over three decades, we've redefined funeral funding with compassion, innovation, and speed—supporting families and professionals across North America.
4000+
Funeral home partners
Serving professionals across North America with trusted funding solutions.
24/7
Around-the-clock customer service
Ensuring support whenever it's needed, day or night.
2-Step
Funding process
Streamlined approach ensuring immediate or same-day payments for most claims.