Roofing financing
Shingles bought upfront; the carrier pays in stages.
Insurance work pays in stages — a first check, then depreciation and supplements after carrier review — while shingles, crews, and dumpsters are paid per job. A storm can book a year of work in a month and drain the cash to run it.
The financing reality
Your money moves on a cycle. So should your capital.
Materials and open insurance receivables during storm season commonly run around $150,000.
A typical situation, not a quote.
What usually fits
Top financing for roofing.
Three products that match this industry's cash-flow pattern — with the honest reason for each.
Business Line of Credit
Front shingles and crews while carrier checks arrive in stages.
- Approval range
- $10K – $2M
Invoice Factoring
Advance against insurance receivables instead of waiting on supplements.
- Advance
- 80% – 95%
Equipment Financing
Trucks, trailers, and lifts financed over their working life.
- Approval range
- $50K – $5M
Construction
Related industries
Roofing financing
Capital that fits how you actually get paid.
Tell us about your business once. One advisor maps your cash-flow cycle to the right partners — and shows the true cost of every option.