Why roofing contractors in Texas qualify
Roofing contractors are classified under Roofing Contractors, which is an eligible category. That takes industry off the table and leaves the same four things every file is read on: average daily balance against revenue, time in business, negative days and NSFs, and existing positions. Commercial roofing is eligible; new residential construction is restricted.
The cash-cycle problem
Insurance-funded work can take 30-90 days to settle while materials are bought immediately.
In Texas that usually means capital goes to materials for a signed job, crews, trucks, equipment, supplement financing on storm work.
Storm-driven and highly seasonal; a single hail event can triple a quarter.
What applies in Texas
Texas funds normally on every tier — no extra restrictions apply.
Most of this activity sits around Houston, San Antonio, Dallas, Austin, Fort Worth and El Paso.
Vermont, North Dakota and South Dakota sit outside the lending area on every product. California and New York carry extra restrictions on the revenue-based tier.
State contractor licensing applies in most states. Licensing is not a funding threshold here, but an expired licence shows up in diligence.
Texas has a short, mild winter, which shortens the trough for roofing contractors without removing it.
Hail events drive sudden surges of insurance work; a single storm can triple a quarter and then leave you carrying materials and crews against claims that have not settled. That gap between spend and settlement is the single most common reason a file like this needs capital.
The published thresholds
Tier 1: 650 FICO, 3 years in business, $300,000 a year or $25,000 a month, 8+ monthly deposits.
Tier 2: 600 FICO, 6 months in business, $60,000 revenue, $800 minimum daily balance.
Renewal: 550 FICO, 2 years in business, once 50% of the original balance is repaid.
There is no hard credit cutoff here. The 650/600/550 tiers are product criteria, not a floor on the business. Scores in the 500s are placed routinely, and files in the 400s are read on revenue, deposit consistency and time in business rather than on the score alone.
Questions
Do you fund roofing contractors in Texas?
Yes. Roofing contractors are classified under Roofing Contractors, which is an eligible category . Commercial roofing is eligible; new residential construction is restricted.
What credit score is needed?
There is no hard credit cutoff here. The 650/600/550 tiers are product criteria, not a floor on the business. Scores in the 500s are placed routinely, and files in the 400s are read on revenue, deposit consistency and time in business rather than on the score alone.
How fast can funding arrive?
Same-day decision and next business day funding on a complete file — the application plus three months of business bank statements.
What if revenue is seasonal?
Storm-driven and highly seasonal; a single hail event can triple a quarter. Underwriting reads the average and the deposit count, not the peak month.