Commercial roofing
On a claim-funded commercial reroof, materials and crews are due weeks before the insurer, the owner and the mortgage holder release the money. Here is the dated gap, two ways to bridge it, and the rules a roofing file meets.
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Updated October 13, 2026 · Merchant Fund Express
Bridge funding fits a commercial claim job when the money is certain but late: the claim is approved, the contract is signed, and only the timing is uncertain. The best product is the one you can repay early when the check lands. If your company clears our first tier, a line of credit usually costs far less than an advance for a gap of six to eight weeks. A revenue-based advance can bridge it too, but its weekly payments continue through the wait and its cost is fixed even if the check arrives early.
This page covers commercial work. Residential remodeling is a restricted industry, and we do not promise funding for home reroofs or residential storm restoration.
On many commercial claims the insurer first pays actual cash value to the property owner, and holds the recoverable depreciation until the work is complete and documented. If the building has a mortgage, the check can name the mortgage holder too, and its endorsement adds weeks. The contract may also hold retainage until the punch list is closed. You are paid by the owner, not the insurer, so every one of those steps sits between your invoice and your bank.
A commercial roofer, 9 years open, a yard and office on a commercial lease, about $640,000 a month in deposits across 14 deposits a month. It signs a $480,000 hail-claim reroof on a retail plaza. Payments: $120,000 deposit, $168,000 at completion from the rest of the actual cash value, $144,000 when the insurer releases depreciation, and $48,000 retainage. Materials of $186,000 are due on net-30 terms and crew payroll is $21,000 a week for five weeks. Starting cash set aside for the job: $85,000.
| Date | Event | Cash | Job balance |
|---|---|---|---|
| Mon, Nov 2, 2026 | Owner deposit | +$120,000 | $205,000 |
| Fridays Nov 13 to Dec 4 | Four crew payrolls | −$84,000 | $121,000 |
| Wed, Dec 9 | Materials invoice due | −$186,000 | −$65,000 |
| Fri, Dec 11 | Final crew payroll, job complete | −$21,000 | −$86,000 |
| Fri, Jan 22, 2027 | Completion payment, after mortgage-holder endorsement | +$168,000 | $82,000 |
| Fri, Feb 26 | Depreciation released | +$144,000 | $226,000 |
| Fri, Apr 30 | Retainage released | +$48,000 | $274,000 |
The job earns money. It is short $86,000 for six weeks, from December 9 to January 22.
All figures in worked examples are illustrations of the arithmetic, not offers or quotes. Real terms depend on your file and the funder.
Revenue-based advance: $125,000 at an assumed factor of 1.28, so $160,000 repaid, with an assumed $2,500 fee. Net proceeds $122,500, funded Tuesday, December 1, 2026. Then 32 weekly payments of $5,000 from December 8, 2026 to July 13, 2027. Seven of those payments ($35,000) fall before the January 22 check, so the job balance bottoms out at about $1,500 on January 19. Cost of the money: $37,500.
Line of credit: draw $100,000 on December 8 and repay it from the January 22 check. At an assumed 1.25% a month (published pricing starts at 1%), about six weeks costs roughly $1,875, and nothing is paid on principal while you wait.
Same job, same gap: the line costs about one twentieth of the advance and never squeezes the balance. The advance is the path when the company does not clear the first tier but does meet the construction rule below. Size it so the weekly payments during the wait are covered, and compare offers with the offer comparison calculator.
All figures in worked examples are illustrations of the arithmetic, not offers or quotes. Real terms depend on your file and the funder.
See the roofing cash flow guide and funding commercial construction work for related planning. With the approved scope in hand, apply in about 5 minutes; a complete file gets a same-day decision.
For commercial work with an approved claim and a signed contract, yes, a bridge can fit. The file is read on your bank statements and the job documents. Residential remodeling is restricted and we do not promise funding for it.
On many claims it is released only after the work is complete and documented, and the check goes to the property owner first, sometimes with the mortgage holder named on it.
A line of credit is usually far cheaper for a gap of a few weeks because you repay when the check lands. An advance has a fixed cost and weekly payments through the wait.
On the first tier, $25,000 a month. On the revenue-based tier, roofing follows the construction rule: $500,000+ a month, 5 years, 10+ deposits and a commercial location.
It is money owed to you, but it is not in your bank until released. Plan the bridge around the dates cash actually arrives.
Same-day decision. Applying takes a few minutes and will not affect your credit score.
