Roofing Business Loans
Your crew is on the roof. The materials are on the truck. The adjuster is still reviewing the claim.
Get $5,000–$10,000,000 to purchase materials in bulk, hire seasonal crews, and bridge insurance payout delays, funded in as little as 24 hours.
Simple, fast, and clear
How Roofing Business Financing Works
Roofing is project-based with a structural payment timing problem. Labor and materials are paid the moment a job begins: shingles, underlayment, flashing, decking and crew wages all go out before a single invoice does. Residential insurance claim work runs longer still. You complete the job, submit documentation, wait for the adjuster, then wait again for the check. On commercial jobs, net-30 or net-60 terms are standard. In practice: a hailstorm hits in late May and you book $280,000 in replacement jobs across 18 properties over three weeks. Starting all of them takes roughly $90,000 in materials now, before any work begins. The first insurance payment won’t arrive until July, and three of your largest jobs are net-45 commercial contracts that won’t pay until August. You have the revenue and the jobs, but not the cash to front all of it at once, or the materials for the next crew on deck. SBG Funding provides $5,000 to $10,000,000, approves 85% of applicants, and can have funds in your account within 24 hours of approval.
This is the gap SBG Funding is built to close. A business term loan can front material and labor costs across multiple simultaneous jobs. A business line of credit lets you draw per job and repay as each check clears, rather than carrying a lump sum through a slow payment cycle. For commercial contractors with outstanding invoices, invoice financing converts receivables into working capital in 24 to 48 hours.
Banks evaluate roofing companies the same way they evaluate every business, and that’s the problem: seasonal swings, insurance-driven cash cycles and project-based income all look risky on a standard credit application, even when the business is healthy and fully booked. A bank underwrites against two years of filed financials and a 680 credit score. Banks are not built to underwrite against revenue that arrives unevenly, or months after the work is done, which means the businesses under the most cash flow pressure are the ones a bank is slowest to serve. Every product here except equipment financing is unsecured, with no lien on your vehicles or property; equipment financing is secured by the equipment. We never perform a hard credit pull. Applications take about 5 minutes.
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Traditional Bank
Typical Online Lender
Won't affect your credit score.
Roofing Financing for Every Situation
Whether you’re managing a storm-season surge, bridging a slow winter, or scaling into commercial work, the right financing depends on where your business is right now.
Storm Season Surge
When a major hail or wind event creates sudden demand, your pipeline can double overnight, but your cash balance doesn’t. A business term loan or working capital gives you the upfront capital to book and start multiple simultaneous jobs without waiting for the first insurance check to clear. A cash gap should not be what decides which jobs you take.
Slow Season Cash Flow
Revenue in most markets falls 40–60% from November through February while fixed costs such as insurance, leases, equipment payments and core staff keep running. A business line of credit lets you draw only what you need to cover overhead and repay it quickly once spring ramp-up begins, rather than carrying an unnecessary fixed-term balance all year.
Commercial Job Payment Delay
Commercial roofing contracts are larger and more profitable than residential, but general contractors and property managers routinely pay on net-30 to net-60 terms. Invoice financing lets you convert outstanding commercial invoices into same-day cash, so you’re not waiting two months to fund the next job in your queue.
What Roofing Companies Use Business Loans For
Roofing financing is flexible. Here are the most common ways contractors put it to work.
All you need to Qualify
- No collateral
- No hard credit pull
- No upfront fees
SBG Funding evaluates more than 50 factors when making lending decisions, including revenue history, deposit consistency, and time in business. Roofing businesses with strong cash flow may qualify even with an imperfect credit score.
Applying will not impact your credit score.
$150K+
annual revenue
500+
min. FICO score
6+
months in business
4
bank statements
Applying will not impact your credit score.
“Needed a quick loan for my small business. I’m a general contractor. I worked with Cameron and he made the process very easy.”
$3B+
Funded since 2017
via Trustpilot
Easy process, great communication, worked quickly and provided regular updates. Would recommend.
4.9
Trustpilot rating
5×
Inc. 5000 honoree
via Better Business Bureau
He patiently answered all of my questions, communicated clearly and guided me through the process every step of the way. I am now working with him on financing for my other business.
85%
Approval rate
via Better Business Bureau
To my surprise and deep appreciation, he answered me on Saturday afternoon. He told me exactly what I needed to submit. I emailed him all the needed information and he went right to work on it. I had the funds needed Monday afternoon. Just before my deadline, I was able to take care of my issue.
A
BBB rating
via Better Business Bureau
Loved his honesty. Didn’t waste my time or make unrealistic promises to me. Hope to do business with him in the future.
4.9
Google rating
via Better Business Bureau
He was highly proactive, extremely responsive, and ensured our application moved forward at impressive speed. His guidance at each step made the process smooth and effortless. We truly appreciate his dedication, availability, and attention to detail.
Just 3 Steps to Get Funded
Apply Online
Complete our quick online application in about 5 minutes. Basic information about your business and financing needs, no lengthy paperwork to get started.
Get Approved
Our team reviews your application and presents financing options matched to your business profile. We look at revenue, deposit history, and time in business, not just your credit score.
Receive your funds
Once approved and documents are signed, funds can be in your business bank account in as little as 24 hours.
Frequently Asked Questions
SBG Funding requires a minimum FICO score of 500. Credit score is one factor among many. Strong revenue, consistent bank deposits, and solid time in business can all support your application. For a contractor with credit challenges, approval rests on revenue history rather than the score.
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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.
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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.
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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.
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Yes. Bulk material purchases such as 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.
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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.
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Yes. Commercial roofing contracts often require significant upfront mobilization, covering materials, crew deployment and 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.
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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.
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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.
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SBG Funding offers roofing business loans from $5,000 to $10,000,000. 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.
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Yes, as long as your business meets the baseline requirements: $150,000+ in annual revenue, 500+ FICO, and 6+ months in business. Subcontractors often have more consistent revenue than general contractors, since you’re paid by the prime contractor rather than the homeowner or insurer, which can actually make underwriting more straightforward.
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Ready to Fund Your Next Roofing Season?
Whether you need capital to front materials, expand your crew, or bridge an insurance payment gap, SBG Funding has roofing contractors funded and back on the roof in 24 hours. Apply online in minutes. No collateral, no hard credit pull, no obligation.