Roofing Company Funding

Materials upfront, crew payroll, and equipment — funded in as little as 24 hours. Approved on your deposits, not your credit score. Soft pull to check.

You booked the job. Now you have to front it.

A roofer's cash is always ahead of the money coming in. You sign a re-roof, and before a single shingle goes down you're buying bundles, underlayment, drip edge, and fasteners — sometimes $15,000 to $40,000 in materials on a mid-size commercial job. Then payroll hits Friday whether the customer has paid or not. Then the insurance check on a storm claim takes six weeks to clear, and the homeowner's deductible trickles in even slower.

Meanwhile the supply house wants a deposit before they'll release the order, your best crew is asking about hours next week, and there's a lift or a new nail gun you've been putting off. Storm season lands three big jobs on your desk in the same month and you don't have the working capital to run all of them at once. That gap — between what you've won and what's landed in the bank — is what buries good roofing companies.

Quick Biz Capital funds that gap. We're not a bank asking for two years of tax returns and a lien on your house. We look at your business bank deposits, and if the money is moving, we can fund you — often the next business day.

How roofing contractor funding works

• 1. Apply in minutes. Basic business info and your last 3–6 months of business bank statements. No tax returns, no business plan, no collateral for working capital.
• 2. Soft-pull decision on your deposits. Checking your rate is a soft pull — it does not ding your credit. We approve on the cash flowing through your account, so FICO 500+ is fine. Seasonal ups and downs are normal for roofers and we underwrite for that.
• 3. Money in the account, fast. Approvals can fund in as little as 24 hours once you're verified. Use it for materials, payroll, equipment, or bridging the wait on an insurance or customer payment.

Real numbers

Say you land a $58,000 commercial flat-roof replacement. The membrane, insulation board, adhesive, and fasteners run about $22,000, and your supplier wants payment on delivery. The building owner pays 30% up front and the rest on completion, so you're out roughly $16,000 in materials plus two weeks of crew payroll before the balance clears.

A $30,000 advance covers the material order and payroll with room to spare, you keep the crew on the job full-speed, finish two weeks early, and repay as the completion check and your other jobs come in. You took the job you would have had to pass on — and the profit on it dwarfs the cost of the capital.

Who qualifies: Roofing companies doing at least ~$10K/month in the business bank account, generally 3+ months in business, with a US business bank account. Residential, commercial, storm/restoration, and repair shops all fit. Amounts from $10,000 to $5,000,000.

Straight answers

Can I get funded with bad credit?

Yes. We approve on your bank deposits, not your credit score. FICO 500+ is fine, and checking your rate is a soft pull that won't affect your credit.

What can I use roofing company funding for?

Anything the business needs: bulk material orders, crew payroll, a new lift or equipment, insurance jobs, marketing before storm season, or just bridging the wait until a customer or insurance check clears.

How fast can I get the money?

Once you're approved and verified, funding can hit your account in as little as 24 hours. Speed depends on how quickly we can confirm your bank details.

Do you finance roofing materials specifically?

We provide working capital you can spend on whatever you need, including material orders. You place the order with your own supplier and pay them directly — no waiting on a lender to approve each purchase.

Will you make me put up collateral?

No collateral is required for working capital. There's no lien on your equipment, trucks, or home.

My revenue swings hard with the seasons. Is that a problem?

No. Seasonal swings are normal for roofers and we underwrite with that in mind. We look at the pattern of deposits over the last several months, not a single slow week.

Ready to fund your next roof?

Check your rate with a soft pull that won't touch your credit. See what you qualify for in minutes and, if approved, have working capital in your account in as little as 24 hours — in time to order materials and keep your crews moving.