Financing designed for roofing contractors — Roofers Finance
Get equipment financing, payroll funding, or working capital without traditional bank delays.
Checking rates involves one soft inquiry and zero credit impact.
4.9 Excellent · 3,200+ reviews via Big Think Capital- roofing tear-off
- shingle inventory
- weather delay
- project mobilization
- crew payroll
- equipment utilization
- lien waivers
- progress billing
Specialized equipment and business financing for roofing contractors
Financing options matched to your situation, in one place.
- Equipment Heavy machinery financing Finance new or used boom trucks, tear-off conveyors, and nailers.
- Working Roofing contractor working capital Access liquidity to cover crew payroll between project draws.
- Factoring Invoice factoring Turn pending accounts receivable into immediate cash for operations.
- Bridge Short-term bridge loans Secure capital to start large commercial jobs while awaiting draws.
- $10K–$1M Funding availability
- 24–48 hours Typical time to fund
- 1 soft pull Credit check impact
What business owners say
4.9-
This company was lightning fast and the experience was amazing. Thank you, Dan — you're a real pro!
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Good service Joseph Krajewski is the best agent ever. He provided excellent service. I strongly recommend working with him if you have the opportunity.
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They gave me a chance when nobody else would. I'm very satisfied.
How the money moves.
One soft check to match. One hard pull, and only from the lender you choose. That mechanism is why this is not a broker.
Industry expertise
- We understand the seasonal nature of commercial roofing projects.
- Our partners focus on equipment value rather than just credit scores.
Flexible repayment
- Payments scale with your seasonal project cash flow.
- Early payoff options are available without excessive penalties.
Rapid approval
- Get decisions in hours instead of weeks of bank processing.
- Digital document uploads keep your focus on the job site.
Why the usual lenders say no.
Your revenue is real. The problem is the form. Here is why traditional underwriting turns away healthy operators in this space, and what we do differently.
Low traditional credit scores
Banks often deny roofers based on consumer credit scoring models that ignore project revenue.
Seasonal cash flow dips
Traditional lenders view revenue variability as a sign of instability during off-seasons.
Lack of collateral equity
Standard banks frequently refuse loans if you do not have significant real estate equity.
What a funded request actually looks like.
Composite illustrative scenarios, not specific borrowers. Each is built from the kinds of requests this niche routinely sees.
Residential roofing owner
Purchasing a new conveyor system and skid steer for faster tear-offs.
Commercial roofing firm
Bridging payroll costs for a three-month multi-building replacement project.
Independent roofing crew
Repairing a broken haul truck and securing emergency shingle inventory.
Growing startup
Factoring aged invoices to clear backlogged crew payroll during winter.
Insurance and compliance guidance
Need help navigating liability coverage for high-rise commercial work or worker safety mandates? We connect you with industry-specific insurance brokers.