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. No credit impact.
See What You Could Qualify For
Slide to your average monthly bank deposits.
Estimated Approval Range
Based on 100-150% of monthly revenue
No hard credit pull · 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.
What You're Up Against
The Real Challenges Roofings Face
Pricing Transparency
What Roofing Funding Actually Costs
Rates vary by credit, revenue, and time in business. These are typical ranges.
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, Basecamp Funding - Founder
How It Works
From Application to Funded in 5 Steps
No paperwork avalanche. No bank lobby. No guessing.
60-Second Application
Answer a few quick questions about your business. No documents needed yet.
Soft Credit Check
We check your options with zero impact on your FICO. Your score stays untouched.
Lenders Compete Behind the Scenes
Your profile is matched to 70+ lending partners. They compete - you never hear from them directly.
One Specialist, Multiple Offers
Your funding specialist presents your best options. No spam calls. No runaround.
Pick Your Offer & Get Funded
Choose the rate and terms that fit. Sign digitally. Funds hit your account - same day available.
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 credit profiles.
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
68% of loan denials happen because of weak financials at time of application. The best time to apply is when your business is performing — not when you're scrambling.
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
No hard credit pull · 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 $10M+
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. No hard credit pull. 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 Waiting on Banks. Get Your Roofing Business Funded Today.
60 seconds. No credit impact. No obligation.
See What You Qualify For →No hard credit pull · Free to check · Nationwide