Compare a revolving limit with a lump-sum advance for materials, crews and storm season. Apply in about 5 minutes.
Compare OptionsRoofing Funding Comparison
Roofers often pay for materials and labor long before the check clears. Choose the funding structure that matches how your jobs actually pay out.
Amount to request
$85,000.00
Funding range$25K to $5M
*Sample amounts shown. Your actual offer depends on your business and is reviewed before approval.
About 5 minutes to apply and three months of statements. Funding in as little as 24 hours for qualified contractors.
FICO 500+ is considered, and your deposit history carries real weight.
Your offer shows the full repayment amount before you accept, with no surprise costs after you sign.
The schedule is set out in the offer, so you can plan it against your job pipeline.
Fast decisions. Applying takes about 5 minutes.
A short application. A soft credit pull to start.
We review revenue, time in business and bank activity, not just a credit score.
You see the amount, the schedule and the full repayment amount before you sign.
Funding in as little as 24 hours for qualified businesses.
Roofing work is lumpy. Storm season can bring more jobs than your crews can handle, and then the calendar thins out. Materials often get bought before the customer or insurer pays. That gap between paying for shingles, underlayment and labor and getting paid for the finished roof is where most roofers start looking at a line of credit or a merchant cash advance.
A line of credit lets you draw up to a limit, repay, and draw again. If you run several jobs at once and each needs a material order, a revolving limit can cover them one at a time without taking a big lump sum you do not need yet.
Read more on our roofing line of credit page.
A merchant cash advance delivers one sum now and is repaid from future deposits on a schedule in your offer. It works for a defined push: staffing up for storm season, buying a second truck's worth of ladders and tear-off gear, or taking on a large commercial job that needs materials staged up front. Because it leans on deposits, it can help when your credit file is thinner than your workload. See our merchant cash advance for roofing page.
Honest answers to those four usually point to the right product. Every application is reviewed on its own merits, so neither product is promised.
Our application takes about 5 minutes and begins with a soft credit pull. We ask for about three months of business bank statements; no tax returns are required. FICO 500+ is considered, and sole proprietors can apply. Funding ranges from $25,000 to $5,000,000, and qualified contractors can be funded in as little as 24 hours. You see the full repayment amount and schedule in your offer before you accept. Start here.
If you need one push of cash to staff up and buy materials, an advance is often the closer fit. If costs come job by job, a line of credit may suit you better.
We look at your actual deposits. Uneven timing is normal in roofing, and it helps to explain your cycle when you apply.
Yes. Sole proprietors can apply, and we review the business bank statements you provide.
Funding runs from $25,000 to $5,000,000. The amount depends mainly on your deposits and existing obligations.
No. We start with a soft credit pull.
Example uses for illustration only.
These steps make your application easier to review.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding