Roofing Business Loans

After approval and document submission, funds can be available in as little as 24 hours. The online application takes about 5 minutes, and most applicants receive a decision the same business day.

No. SBG Funding’s roofing business loans are unsecured — you are not required to pledge equipment, vehicles, real estate, or other assets. Equipment financing is the one exception: the equipment itself serves as collateral, which is standard across the industry.

No. Seasonal revenue patterns are normal for roofing businesses and our underwriting accounts for it. We look at your trailing 4 months of bank statements and your annualized revenue trend. A roofing company doing $600,000 in April through October and near-zero in winter is a healthy business — not a risk — and our approval model treats it that way.

Yes. Bulk material purchases — shingles, underlayment, decking, flashing — are one of the most common uses of roofing business financing. Buying in volume before your season often yields supplier discounts that offset a significant portion of the financing cost.

Yes. Equipment financing is designed specifically for this. Dump trucks, box trucks, service vans, compressors, and lift equipment can all be financed with terms up to 60 months. The equipment serves as its own collateral — no additional assets required. A business term loan can also cover vehicles if you prefer a single consolidated facility.

Yes. Commercial roofing contracts often require significant upfront mobilization — materials, crew deployment, equipment — before any draw payment is made. A business term loan sized to the contract’s first draw requirements lets you start the job on schedule without depleting operating reserves. Invoice financing is also available once commercial invoices have been issued.

No. Insurance claim volume is a revenue source like any other. What we review is your bank statement deposit history — if insurance payments, homeowner payments, and general contractor payments are consistently flowing into your account, that’s the revenue picture we evaluate. The source of the payment doesn’t change your eligibility.

Yes — this is one of the most common uses of a business line of credit for roofing contractors. Draw what you need to cover payroll and core operating costs during November through February, then repay as spring revenue ramps up. A revolving line is better suited to this than a term loan because you only pay interest on what you actually draw.

The primary differences are speed, flexibility, and qualification criteria. Banks typically require 2–8 weeks for approval, collateral, a hard credit pull, and often a FICO score above 680. SBG Funding makes same-day decisions, requires no collateral, performs no hard credit inquiry, and accepts FICO scores of 500+. We evaluate more than 50 factors — including your revenue history and deposit patterns — rather than relying primarily on credit score.

SBG Funding offers roofing business loans from $5,000 to $1,000,000. The amount you qualify for is based primarily on your monthly revenue — most lenders size the loan at approximately one to two times your average monthly revenue. A roofing company averaging $80,000 per month in deposits during active season would typically qualify for $80,000–$160,000, depending on other factors in your business profile.

Yes, as long as your business meets the baseline requirements: $250,000+ in annual revenue, 500+ FICO, and 6+ months in business. Subcontractors often have more consistent revenue than general contractors — you’re paid by the prime contractor rather than the homeowner or insurer — which can actually make underwriting more straightforward.