The Pinch Points
Why Roofing Contractors Come to Us Instead of Their Bank
Roofing is material-heavy, weather-driven, and paid in draws — and the bank panics the moment a storm spikes your receivables. These are the spots where we get called.
Supplier Went COD
You booked 8 residential re-roofs this month — $160K in total revenue. But materials for all 8 cost $65K upfront and your supplier wants COD after last month's slow pay.
Commercial Mobilization
A $400K commercial roofing contract just started but the first draw is 30 days out. You need $80K for crew mobilization, materials, and equipment rental now.
Storm Leads, No Materials
A hail storm hit your territory. You've got 40 insurance restoration leads but need $50K for materials and temp labor to capitalize before competitors grab them.
Hoist Down Mid-Tear-Off
Your material hoist broke mid-job on a 3-story commercial tear-off. A replacement is $9K and every day without it adds $1,200 in labor hauling bundles by hand. Your crew is already on the clock.
Net-60 on the Apartment Job
You landed a $220K apartment complex re-roof but the property management company pays net-60. You've got $48K in TPO membrane and supplies to buy this week and payroll running every Friday.
Supplement Stuck in Review
An insurance supplement for code-required upgrades sits in review for 60 days after the tear-off is done — $40K in labor and material already spent, the carrier’s check nowhere in sight, and the homeowner asking when you’ll finish.
What an operator said
“An insurance supplement sat unpaid for 70 days on a hail rebuild while my crews and material bills kept coming. The line covered the gap so I didn’t have to walk off a finished roof waiting on the check.”
Travis L. · roofing contractor · Oklahoma City, OK
Start Here
See Your Range in 60 Seconds
No credit check, no documents to start, and an estimated funding range on the spot. No one contacts you until you’re ready to move forward.
What Happens When You Start
Estimate Your Capital Range
Slide to your annual gross revenue. We size capital off your top line — not your credit score.
Estimated Capital Range
A conservative range based on 10-15% of annual revenue — many businesses qualify for more with strong receivables or assets behind them. Lenders return real term sheets once they see your file.
60 seconds · No obligation · Estimate only
Built for the Trade
What We Fund for Roofing Operators
Crane Trucks and Conveyors, Financed
A material conveyor or crane-equipped flatbed runs into six figures and the dealer wants cash. Equipment financing with the truck as collateral puts it on the job and keeps your operating cash free for crews and shingles.
Compressor and Nail-Gun Fleets
Scaling from one crew to three means another full tooling package — compressors, nail-gun fleets, safety gear — before the new crews bill a dime. Equipment financing funds the fleet so the work you booked actually gets covered.
Bulk Material Buys to Lock Pricing
When shingle or metal prices spike, buying a season of inventory ahead of the jobs protects your margin — but it ties up $40K to $100K in cash. Working capital funds the bulk buy so you lock the price and repay as the jobs fund.
Staff the Storm Surge
A working line funds the payroll ramp when restoration leads flood in after a storm, so you can staff up the day the work lands instead of waiting on the first insurance check.
Match Your Situation
The Cash-Flow Gaps We Fund for Roofing
Match your situation to the structure. Every one of these funds on your revenue, not a perfect credit file.
| What It Looks Like | Funding Solution | Amount | Speed | |
|---|---|---|---|---|
| Storm-season surge | Claims hit at once; crews and materials needed for all of them | Working Capital | $75K–$300K | 1–3 days |
| Material price lock | Shingle or metal prices jumping; buy a season of inventory now | Working Capital or LOC | $75K–$200K | 1–5 days |
| Insurance supplement delays | Supplements approved but payment is 60 days out | Invoice Factoring | $75K–$150K | 1–2 days |
| Crane and equipment rental | Commercial tear-off needs a crane on weekly rental | Working Capital | $75K–$150K | 1–3 days |
| Crew scaling for large job | Won a big commercial job, need additional crews fast | Working Capital | $75K–$200K | 1–3 days |
The Products
How Roofing Financing Is Structured
Most roofing files fund between $75K and $5M+, structured to the storm and the draw schedule. Larger lines available when revenue, cash flow, and story qualify.
| Amount | Term | Best For | Funding Speed | Typical Structure | |
|---|---|---|---|---|---|
| Working Capital | $75K–$5M+ | 6mo–10yr | Material buys, crew payroll, mobilization | 1–3 days | Often unsecured, daily/weekly ACH |
| Equipment Financing | $75K–$5M+ | 2yr–7yr | Crane trucks, conveyors, nail-gun fleets | 3–5 days | Equipment serves as collateral |
| Invoice Factoring | $75K–$5M+ | Per invoice | Insurance supplements, GC progress billings | 1–2 days | Invoices secure the line, no PG typically |
| Business LOC | $75K–$5M+ | Revolving | Storm-season swings and material price locks | 1–5 days | Unsecured line, no PG by default |
Tax Strategy
Section 179 on a Crane Truck and Conveyor — Worked
If last year was strong and you’re about to write a check to the IRS — stop. Acquire qualifying equipment with as little as 10% down, finance the rest, and write off the full purchase price in year one. Section 179 covers it up to the annual cap; 100% bonus depreciation — made permanent in 2025, with no cap and no income limit — carries the rest.
At the top bracket, that first-year deduction can return meaningful tax savings — and for an established business with strong cash flow, it’s the difference between writing a check to the IRS and putting the same money into your own equipment. Your CPA models the exact numbers for your bracket and structure.
Worked scenario · top bracket · illustrative
You financed the machine and put down a fraction of its price — but you deduct the full price in year one. The write-off is bigger than your down payment, and the equipment keeps working the whole time.
Scales with your numbers
Illustrative only. Actual savings depend on your tax bracket, entity type, state conformity, and CPA guidance. Section 179 and bonus depreciation are elections your CPA makes for your situation; above the Section 179 cap, 100% bonus depreciation carries the balance.
Terms reflect credit, revenue, time in business, and each lender. Every file is unique — see what the desk structures for yours in the 60-second qualifier.
Bobby’s Take
“A good storm season is a blessing and a tax bill — you book a record year, then hand a chunk of it to the IRS. That $215K crane flatbed and conveyor is what runs three crews next season instead of one. Put a fraction down, finance the rest, and write off the full $215K the year it's loading roofs. The fleet that doubles your capacity and the tax move, same year.”
Bobby Friel · Founder · 20+ years in banking and finance
How It Works
From Application to Funded
One application, 70+ lenders competing, a dedicated specialist, and most files funded in days.
60-second estimate
Enter your numbers — no credit check, no documents. You see an estimated funding range on the spot.
A specialist is assigned
A real funding specialist — not an algorithm — reviews your file, usually within 24 hours.
70+ lenders compete
Your application goes to the marketplace. Competing offers typically land 24–48 hours later.
You pick the offer
Compare structures and terms with your advisor. No obligation until you choose to sign.
Funded in days
From same-day working capital to a multi-piece stack, most files fund in days — not the bank’s 60–90.
Underwriting
What Underwriting Looks At
Funding here leads with what your business actually does — your revenue and cash flow. The specialist desk reads the real picture from your statements, then matches it to the lenders most likely to fund it.
How you’re evaluated
Revenue-first
sized off your top line, not just your balance sheet.
Cash-flow driven
your bank statements show how the business really runs.
Bank-statement underwriting
even a down year is read off 4 months of statements.
Story-driven
a big new contract, a seasonal swing, a turnaround in progress: context the raw numbers miss counts too.
What to have ready
↳Had a loss year? It’s read off the bank statements — 4 months, not 6.
Start fast, finish complete
The operators who fund quickest come to the specialist review with these ready — but you don’t need all of it to start. Your signed application and bank statements are what unblock the review; the rest can follow as trailing docs. Real term sheets come once the lenders can see a true business overview, so the move is simple: get the application and statements in right away, and don’t let a missing tax return hold up your term sheets.
Credit, straight
Qualification
Who Gets Funded — and Who’s Not Ready Yet
A straight read saves everyone time — here’s the line between a roofing file that funds and one that isn’t ready yet.
↳Time in business is a factor, not a gate — newer crews with strong revenue still qualify.
Not ready yet isn’t a no — it’s a checklist. Most of it is fixable in a quarter or two, and your advisor will tell you straight which gaps to fix before a file goes in.
The Operator's Guide
Roofing Contractor Financing
Storm Season Is a Cash-Flow Trap
Here's the thing about roofing — your business runs on weather and timing. A hail storm drops 40 leads in your lap but you need $50K in shingles, felt, and temp labor before you see a dime from insurance. Your supply house wants COD because you were late once last year. And your bank? They want 3 weeks of paperwork while your competitor is already on the roof.
One Application, 70+ Lenders
We fund roofers — residential, commercial, storm restoration, flat-roof specialists — in as little as 24 hours. One application. 70+ lenders. Soft-pull review. We've funded $65K storm mobilization projects same-day, $80K commercial roofing material advances, and $30K crew expansions in peak season. If you're losing jobs because you can't buy shingles fast enough, that's a problem we fix in hours, not weeks.
Common Questions
Roofing Financing — Questions, Answered
Yes. Underwriting reads your bank deposits, not the pending claim; a line bridges the gap between fronting the tear-off and the check clearing.
Soft-pull review to start, no credit check at step one; with clean bank statements, many roofers see options in days and funding inside a week.
Yes. Working capital or a line covers the bulk buy so you lock pricing ahead of a job, repaid as the job funds.
No. Revenue, cash flow (bank statements), and your story drive it. Soft-pull review to start, no hit to begin.
$75K–$5M+, sized off your top line rather than a credit score; larger lines available when revenue, cash flow, and story qualify.
Yes. Equipment financing means a fraction down and the full price deducted in year one under Section 179 — your CPA models the exact numbers.
Recommended Funding
The Products That Fit Roofing Work
Equipment Financing →
Finance roofing trailers, material hoists, and crane trucks — the asset is the collateral.
Working Capital Loans →
Cover shingle orders and crew costs upfront when suppliers demand COD.
Invoice Factoring →
Turn outstanding GC invoices and insurance supplements into cash within 24–48 hours.
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