Guide · Published 30 October 2026
What are the best business loans for roofing companies?
For most roofing companies the best fit is working capital or a revolving line: $10,000 to $2,000,000, funded in 24 hours, with no minimum credit score and an offer sized off your 3 strongest consecutive months, not your winter. Commercial roofers billing GCs can also factor approved pay apps, and bank term loans or SBA loans fit refinancing debt or buying a yard — those require a 650+ score.
$0 to apply · Soft credit pull · No impact to your credit score · 4-minute application
Who funds what. Working capital and the Drawline line of credit are underwritten and funded in-house by Jobsite Funding. Invoice factoring is placed with specialty construction factors, and term loans and SBA loans are placed with our bank and SBA lending partners. On a partner product we underwrite the file and name the partner before you sign anything.
Why roofers get misread by generic lenders
Roofing is the trade most exposed to weather and most rewarded by it. Published contractor benchmarks put a typical roofing job at $8,000 to $25,000 with a 10% to 20% net margin, and the peak runs late spring through fall, with storm-driven spikes. A single hailstorm can turn a slow quarter into a backlog you cannot staff.
That whipsaw breaks lenders who read three months of statements. Three statements from a quiet pre-storm quarter and a roofer looks like a failing business; three from a post-storm quarter and the same roofer looks like they tripled, which triggers a different kind of skepticism. Insurance-carrier payments also land in irregular lumps tied to adjuster approvals, not to when you did the work. We read twelve months and size off the peak three.
Roofing financing options compared
| Product | Amount | Speed | Credit | Underwritten by | Best roofing use |
|---|---|---|---|---|---|
| Working capital | $10,000–$2,000,000 | 24 hours | No minimum | In-house | Materials on supplement jobs, crew ramp before storm season |
| The Drawline | $10,000–$500,000 | 24 hours to open; same-day draws | No minimum | In-house | Recurring materials orders, several jobs in flight at once |
| Invoice factoring | 70%–85% of non-retained billing | 3–7 days setup; 24–48 hours per advance | No minimum (GC's credit) | Specialty-factor partner | Commercial roofing subs with approved pay apps from GCs |
| Term loan | $25,000–$5,000,000; 1–10 years | 2–4 weeks | 650+, 2+ years, 1.25x DSCR | Bank partner | Retiring stacked short-term debt, buying another roofer’s book or crew |
| SBA loans | Up to $5,000,000 per program | 4–10 weeks | 650+, 1.25x DSCR | SBA partner | Buying your yard (504); Contract CAPLine on awarded commercial jobs |
Which one is "best" depends on the job
Storm season and crew ramp. Working capital is the fastest money we offer and the most expensive, and that trade is the point when a storm hits and you need crews and materials this week. It is technically a purchase of future receivables, not a loan, with one fixed total cost in dollars on a 2-page agreement, over 3 to 18 months, remitted weekly.
A gap that repeats on every job. If you are fronting materials job after job, the Drawline is usually cheapest in total dollars, because 1.8% to 4% per 30 days is charged only on what you draw and an unused line costs $0.
Commercial roofing for GCs. If your receivables are approved pay apps from creditworthy GCs, factoring advances against those invoices and prices off the GC's credit. Residential and insurance-funded work is usually better served by working capital or the Drawline, because factoring needs an approved invoice from a party a factor will underwrite.
Cheaper long-term money. If you are two or three advances deep, a bank term loan that retires them into one amortizing payment is usually the better move. If you want to buy the yard you rent, that is an SBA 504. Both run through our bank and SBA partners and need 650+ credit and 2+ years in business.
Built for the roofing calendar
For a roofer in a northern market, our default adjustment is straightforward: size off the peak 3 months, allow 2 months under $5,000 in the last 12 at no cost, and offer Off-Season Step-Down for December through February. Step-down drops your payment to 40% of the in-season figure in up to 4 named months, written in at origination. You see both payment figures before you sign.
What lowers your cost: 24+ months in business, clean statements with no NSF activity, first position, and supporting documents such as approved pay apps or a signed contract with a schedule of values. Paying off early takes up to 30% off the remaining cost of funding, and there is no prepayment penalty on any in-house product.
What you'll need
- Your EIN and business legal name. Sole proprietor, LLC, S-corp, C-corp and partnership are all eligible.
- 6 months of business bank statements — PDF upload, or link the account securely in about 60 seconds, which also lets us pull a 12-month deposit summary.
- A driver's license and a voided business check.
- An active state or local roofing or contractor license where your work requires one.
- Approved pay apps or signed contracts on commercial work, so earned-not-paid revenue counts in the file.
- Your slow months — for most northern roofers, December through February — so step-down can be written in at origination.
Keep reading: how we underwrite roofing · working capital · the Drawline · contractor funding with bad credit · all five products compared · all guides
Questions that usually follow
- What credit score does a roofing company need to get funded?
- None for working capital, the Drawline or invoice factoring at Jobsite Funding — those are underwritten on cash flow. Bank term loans and SBA loans through our partners require 650+, along with 2+ years in business for a term loan.
- Can a roofer get funded in winter when the statements look slow?
- Yes. We qualify on $180,000 in trailing-12-month deposits rather than a 3-month average, allow up to 2 months under $5,000 in the last 12, and size off your 3 strongest consecutive months. If the 6 statements you send are all low-season, we ask for the prior 6 rather than decline you.
- Do you finance roofing trucks or equipment?
- We don't do equipment financing. For short-term cash needs a roofer uses working capital or the Drawline; for multi-year needs, bank term loans through our partners are the instrument we offer.
- How fast can a roofing company get funded?
- Same business day on complete files received before 11:00 AM ET; 24 hours is typical. Term loans take 2 to 4 weeks and SBA loans 4 to 10 weeks.
- Do I need a roofing license to apply?
- You need an active state or local trade license where your work requires one. Beyond that, every trade clears the same standard: 6 months in business, $180,000 in trailing-12-month deposits, a US business bank account and an EIN.
Storm season is coming. Be funded before it does.
$0 to apply · Soft credit pull · A person calls you the same business day