This Is Why You're Here
Why Roofings Come to Us Instead of Their Bank
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.
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.
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.
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 costs hauling bundles by hand. Your crew is already on the clock.
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 $8K every Friday.
Hail storm hit and I had 40 leads but zero cash for materials. Got $65K in working capital same day. Closed 32 of those jobs.
Marcus W., Roofing Contractor, Oklahoma City, OK
Roofing Financing
Get Your Roofing Business Funded in 60 Seconds
Slide the calculator to see your estimated approval range. Then answer 3 quick questions to lock it in. No documents needed. Soft-pull pre-qual.
See What You Could Qualify For
Slide to your average monthly bank deposits.
Estimated Approval Range
Based on 100-150% of monthly revenue
Soft-pull pre-qual · No obligation · Estimate only
Built for Your Business
Why Roofing Businesses Choose Basecamp
Storm Season Capital in 24 Hours
Hail hits your territory and you've got 40 leads. But shingles, felt, and temp labor cost $50K before the first insurance check arrives. We fund storm mobilization same-day so you close jobs, not lose them.
Supplier Cut Your Credit? We Fix That
One late payment and your shingle supplier goes COD. Now every $8K residential re-roof requires cash upfront. A $60K line of credit restores your buying power without begging the supply house.
Insurance Restoration Float Covered
Insurance jobs pay well but the check takes 30-60 days after completion. You've already bought materials and paid your crew. We bridge the gap between tear-off and insurance payout.
Crew Expansion for Peak Season
You booked 8 re-roofs this month but only have one crew. Hiring 4 more guys means $12K in upfront labor costs before the first roof is done. We fund crew ramp-ups in 48 hours.
Bobby's Take
Bobby's Playbook for Roofing
Most roofing contractors walk into a bank and get evaluated against a 5-year operating-history checklist — not the insurance-claim funding pipeline plus retail and commercial reroof backlog they actually have right now. Lenders who specialize in roofing contractors look at the work in front of you, not the work behind you. They underwrite your storm-cycle revenue spikes and insurance-supplement recovery rate. Here's how to position your transaction so the right specialists see it first.
Three things determine whether a roofing contractor transaction closes: insurance-claim revenue mix, your trailing 12-month revenue, and crew-retention metrics. Not your personal FICO. Not your business age. Specialist roofing lenders care about whether your annualized revenue supports a $2,000-$4,000/month payment — and whether your crew-retention proves you can scale through a storm season without losing crews to competitors.
The biggest mistake roofing contractors make: applying for financing without separating insurance-claim revenue from cash-pay residential revenue. The lender sees mixed deposits and applies general-trade-aging assumptions. The fix: produce a breakdown showing insurance-claim work versus cash-pay work, with claim-payment timing patterns. Specialist roofing lenders price insurance-claim revenue as guaranteed once claim is approved. Generalist lenders apply general-trade aging to everything.
storm-month claims revenue capped without crew capacity
Where this gets interesting at scale: a roofing contractor mobilizing on a commercial reroof or scaling for storm season doesn't need ONE loan. They need equipment financing for trucks and equipment + a working capital line for material deposits and seasonal payroll + invoice factoring on the slower-paying commercial GC accounts + sometimes purchase order financing for material pre-buys on a big project. Four products, multiple lenders, one application — that's how residential roofing shops scale into commercial roofing operations.
The roofing contractors who scale fastest aren't the ones who waited for the next storm to fund the next truck. They're the ones who had crews and equipment ready when a storm hit their territory. Capping storm-season claims because you can't add capacity is $80,000-$200,000 in storm-month revenue going to competing roofers. Run the numbers in 60 seconds — see what 70+ specialist lenders will offer your roofing business this week.
Bottom line:
Roofing contractors lose storm season to slow underwriting. Insurance-claim revenue is guaranteed once approved — separate it from cash-pay, and a specialist prices it as the contracted floor banks won't credit.
Bobby Friel
Founder, Basecamp Funding
What You're Up Against
The Real Challenges Roofings Face
Pricing Transparency
What Roofing Funding Actually Costs
Rates and terms depend on credit, revenue, time in business, and lender. Every business is unique — see what 70+ lenders will offer you in 60 seconds. Soft-pull pre-qual.
These are industry averages. Your actual rate depends on your revenue, credit profile, and time in business — it could be lower. Run your specific numbers in 30 seconds.
Calculate Your Real Cost →Tax Strategy
Section 179 Breakdown for Roofings
Finance the equipment. Keep your cash. Take the deduction. Your crane truck costs $57,000 after taxes and you never touched your reserves.
Bobby Friel
Founder, Basecamp Funding
How It Works
From Application to Funded in 5 Steps
No paperwork avalanche. No bank lobby. No guessing.
60-Second Intake
Tell us about your trade, current jobs, and bid pipeline. No bonding docs yet.
Soft Credit Screen
We screen options with zero impact to your FICO or bonding capacity.
Construction-Specialty Lenders Compete
70+ lenders who underwrite GCs, electricians, plumbers, and concrete contractors review your file in parallel.
One Specialist, Multiple Term Sheets
Your funding specialist walks through structures, draw schedules, and how each affects your bonding line.
Choose Your Offer, Sign, Get Funded
E-signature. Funds land in time to cover materials and crew before the first draw.
Roofing Capital Uses
What Roofing Businesses Use Funding For
Payroll & Operations
Bridge cash flow gaps. Keep crews paid when receivables run 30-60-90 days.
Job Mobilization
Fund upfront costs — materials, permits, equipment rental — before first draw.
Scale & Win Bigger Jobs
Take on larger contracts. Expand territories. Hire key staff.
AI & Technology
Drones, AI estimating, GPS fleet tracking, project management tools.
Equipment & Vehicles
Excavators, dump trucks, skid steers. Finance or lease — all established businesses.
Marketing & Branding
Truck wraps, websites, Google Ads. Build the brand that wins contracts.
Full Transparency
What Kills Your Qualification (And What Doesn't)
Most lenders won't tell you this upfront. We will.
✅ These Won't Stop You
These Can Be Deal-Breakers
Need commercial insurance for your roofing business?
Your lender will require proof of general liability and workers' comp before funding equipment over $50K. Our sister company InsuranceService365.com binds contractor policies same-day across 29 states — so insurance never holds up your funding.
Don't Wait Until You Need Funding to Get Funded
GC payments are net-30/45/60 by industry default. The contractors who win on price are the ones with capital to mobilize before the first draw. The contractors who win on schedule funded BEFORE the job started — not after the supplier called about a past-due invoice. Pre-qualify when the bid pipeline is steady.
Ready?
See What Your Roofing Business Qualifies For
Slide the calculator, answer 3 questions, and a specialist pulls your options within the hour.
See What You Could Qualify For
Slide to your average monthly bank deposits.
Estimated Approval Range
Based on 100-150% of monthly revenue
Soft-pull pre-qual · No obligation · Estimate only
Other Contractors Specialties We Fund
Click any specialty for tailored financing options.
Recommended Products
Recommended Funding for Roofing Businesses
Working Capital
Bridge payroll and materials between draw payments. Fund in 24 hours.
Learn More →Equipment Financing
Finance excavators, trucks, and tools — the equipment is the collateral.
Learn More →Business Line of Credit
Draw for materials when you need them, repay when the GC pays.
Learn More →Invoice Factoring
Convert 30-90 day receivables into same-day cash.
Learn More →FAQs
Roofing Business Loan FAQs
Roofing Contractor Loans — $10K to $20M+
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.
We fund roofers — residential, commercial, storm restoration, flat roof specialists — in as little as 24 hours. One application. 70+ lenders. Soft-pull pre-qual. I'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.
Stop Letting Slow GC Draws Park Your Crew. Get Your Roofing Business Funded Today.
60 seconds. Soft-pull pre-qual. No obligation.
See What You Qualify For →Soft-pull pre-qual · Free to check · Nationwide