(719) 789-5639 Apply Now

Merchant Cash Advance for Roofing Contractors

Roofing companies pay for shingles, underlayment, dumpsters and crew wages before a job is finished, and then wait on homeowners, insurance carriers or general contractors to pay. Roofing company funding gives you working capital to cover those costs so a storm-season surge or a slow winter does not stall your crews.

Apply Now — Free, No Obligation Call (719) 789-5639

Cash flow challenges every roofing company faces

Materials bought before you are paid

Suppliers want payment at delivery or on short terms, while the customer may pay only after the final inspection, or after an insurance check clears.

Weather-driven cash flow

Rain, snow and extreme heat can shut down installs for days or weeks. Crew pay, truck payments and insurance keep coming even when the roofs sit untouched.

Insurance claim delays

Storm-damage work often depends on adjuster approvals and multi-party payments, so a busy month of production can turn into cash weeks later.

Common uses of roofing company funding

  • Shingles, metal and other materials for big jobs
  • Crew payroll between payments
  • Truck, trailer and lift repairs or down payments
  • Workers' compensation and liability insurance premiums
  • Dumpsters, permits and subcontractor costs
  • Marketing and lead generation ahead of storm season

Why merchant cash advances fit Roofing Contractors

Roofers often have strong but uneven deposits, with big payments landing in clusters. A merchant cash advance looks at your average deposits over several months rather than a single slow week, and the funding can be used for materials, payroll or equipment without tying the money to one job.

Example: Illustrative example only: a roofing company depositing about $90,000 a month lands a set of large re-roofs and needs $30,000 for materials and crew pay before the first customer payments arrive. An advance in that range may be available if its deposits are steady and it has been in business at least a year. Actual amounts and terms depend on the funding provider's review. (Illustrative example only; actual offers depend on underwriting.)

Requirements for roofing company funding

  • 12+ months in business
  • About $10K+ in monthly deposits
  • Last 4 months of business bank statements
  • All credit scores considered

Learn more about how a merchant cash advance works or check the full requirements.

How to apply

  1. Complete our online application (about 5 minutes).
  2. Upload your last 4 months of business bank statements.
  3. Our funding partner reviews your application and contacts you with options — funding can happen within 24 hours of approval.

Roofing Contractors funding FAQs

Can a roofing company get funding during the off-season?
Often yes. Funding providers review several months of bank statements, so a slow winter does not automatically rule you out, especially if you have a longer history of steady deposits. Many roofers apply before the slow season to build a cash cushion.
Can I use the money for materials and payroll?
Yes. A merchant cash advance is working capital, so you can use it for materials, crew wages, equipment, insurance or marketing. Check your agreement for any restrictions.
Do insurance-claim payments count as revenue?
Payments deposited into your business bank account, including insurance-funded job payments, show up in your bank statements and are generally part of the deposits a funding provider reviews.

See how much your business can get

Apply online in minutes. Funding from $10K to $5M, sometimes within 24 hours of approval. Free to apply, no obligation.

Start My Application Call (719) 789-5639