Funding for Roofing Contractors
Roofing revenue arrives in bursts — a hailstorm, a hot spring, a builder release — and a merchant cash advance remits against deposits as they land, heavier when you are slammed, lighter when the weather shuts you down.
A roof job eats cash from day one. Materials get paid up front, crews get paid Friday, and the check that covers all of it shows up weeks later — slower still on insurance work, where carriers commonly pay in stages and hold depreciation until the job is closed out. Banks look at that gap and see risk; you see a backlog you could double if you had the working capital to run two more crews. Broadway works off what your company actually deposits: three months of bank statements, one short form, a soft credit pull, and a same-day decision. With 50+ programs across 25+ funders, funding can land in as little as 24 hours — before the next storm cell does.
The challenge
Storm season piles ten jobs into six weeks, the supplier wants the shingle package paid before the boom truck shows up, and insurance carriers pay on their calendar, not yours. The cash leaves the account long before it comes back.
How Broadway Advance helps
Roofing revenue arrives in bursts — a hailstorm, a hot spring, a builder release — and a merchant cash advance remits against deposits as they land, heavier when you are slammed, lighter when the weather shuts you down.
What owners use it for
- Buy shingle and material packages for a storm-season backlog before prices move
- Run extra crews and cover weekly payroll while insurance checks are pending
- Bridge the gap between job completion and the carrier's depreciation release
- Add a boom truck, trailers, or tear-off equipment ahead of the busy season
- Take supplier early-pay discounts instead of riding their terms
- Cover insurance, licensing, and bonding costs that come due all at once
See your real number in about five minutes.
Apply nowFunding options that fit roofing contractors
Merchant Cash Advance
Immediate cash today in exchange for a small slice of future sales.
Up to $2,000,000 →Business Line of Credit
A revolving cash reserve you only pay for when you draw on it.
Flexible limits →Equipment Financing
Buy the equipment you need; the equipment itself secures the deal.
Up to 100% of equipment cost →Roofing Contractors funding questions
Most of our work is insurance restoration. Does lumpy revenue hurt our approval?
No — it just needs to show up in the statements. We underwrite off three months of real bank deposits, and our funders see roofing companies every week; they know storm work lands in waves. What matters is that money actually moves through the account. If your deposits are real and recent, you can get a same-day decision. If you are coming off a dead winter, talk to us anyway — 50+ programs means more than one way to structure it.
Is an advance worth it when my supplier already gives me terms?
Use the supplier terms first — they are usually the cheapest money in your business. An MCA costs more than bank money and more than trade credit, and we will say that straight. Where it earns its keep is when terms run out and the backlog does not: a storm drops thirty roofs in your lap and the supplier will not float thirty material packages. If funding two more crews nets you more than the advance costs, speed wins.
Can we get capital in place before storm season instead of scrambling during it?
Yes, and it is the smarter order of operations. A business line of credit set up in the slow months sits there costing you little until you draw on it, then funds materials and payroll the week the storm hits. Approval works the same way: one short form, three months of bank statements, soft credit pull, same-day decision. Setting it up in March beats applying in the middle of your busiest June week.