Carry your overhead and keep your best crew through winter and rainy months. Apply in 5 minutes with about three months of bank statements.
Plan My Off-SeasonRoofing Slow-Season Funding
Weather sets your schedule, not your bills. We fund roofing companies through slow seasons based on their deposit history, with the full repayment amount shown up front.
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.
Apply in about 5 minutes with roughly three months of statements and no tax returns. Funding in as little as 24 hours for qualified businesses.
FICO scores from 500 are considered. We start with a soft pull and weigh your deposit pattern across the season.
You see the full repayment amount in your offer before you accept, with no surprise costs after signing.
The repayment schedule is spelled out in the offer, so you can plan for it through the slow months.
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.
Most roofing companies make the bulk of their money in a handful of busy months. Cold weather, rainy stretches and quiet storm seasons slow tear-offs and new installs, but the truck notes, insurance premiums, shop rent and your best foreman's paycheck keep coming. Lose that foreman in February and you are short-handed when spring calls start.
Slow-season funding lets you carry fixed costs through the dip, and repay as work picks back up.
We expect roofing deposits to rise and fall with the weather. When we review about three months of bank statements, we look at the overall pattern and your existing obligations, not just your slowest week. Applying before deposits drop too far tends to give a fuller picture. FICO scores from 500 are considered, and we start with a soft pull. No tax returns are needed.
Our roofing cash flow guide has more on planning around the seasons.
For illustration: a roofing contractor in a cold-weather region sees new installs slow sharply after the holidays. Rent, truck notes and insurance still come due each month, and two experienced crew leads would leave for steady indoor work if their hours dropped. The owner sets aside funding to cover those fixed costs and keep the crew leads busy with repair calls, then repays on the published schedule as spring work returns.
A line of credit works well if you want a standing reserve to draw on through the slow months. A lump sum of working capital fits a known shortfall. Either way, your offer shows the full repayment amount and schedule before you accept. Apply here in about 5 minutes.
Usually before your slowest stretch begins, while recent statements still show your busier months. That gives funders a fuller picture of your business.
Funders look at the overall pattern and your existing payments. Seasonal swings are expected in roofing, and one slow month is weighed in that context.
Yes. Keeping trained crew employed is one of the most common uses. See our roofing payroll funding page for more.
Funding runs from $25,000 to $5,000,000, depending mostly on deposit volume and current obligations.
Qualified businesses can be funded in as little as 24 hours after accepting an offer.
Example uses for illustration only.
Roofers who handle the off-season well tend to do a few things consistently.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding