Industries we fund · Roofing Companies
Working capital for roofing businesses
Roofing money arrives in lumps - insurance settlements, financed retail jobs, commercial contracts - while crews and materials bill every week. After a storm the pipeline explodes, and cash is the constraint on how much of it you can catch.
Clearwater places roofing files with funding partners that already know the industry: $10K to $2M, sized off your real bank deposits, with no hard credit pull to apply. Searching for roofing business loans? What we place is revenue-based funding - an advance repaid out of daily deposits - and this page explains exactly how it prices so you can compare honestly.
How funders read a roofing file
Funders read roofing deposits by source. Insurance-restoration checks land big and irregular; the pattern reads as real revenue, but underwriting will ask whether the book is a repeatable operation or one storm system passing through. A trailing four months that spans a surge and still shows work landing afterward prices better than four months that are all one hail event. Retail jobs paid by card or through consumer financing read smoother and strengthen the base. Northern books go quiet in winter, and funders price the calendar rather than punishing it. One more piece of texture funders know: carriers pay actual cash value up front and release recoverable depreciation after completion, so roofers float the middle of every job - a gap that is common, understood, and fundable.
What roofing businesses use the capital for
- Crew and material capacity to catch more of a storm surge
- Bulk shingle and material buys at distributor pricing
- Floating jobs between the first insurance check and the depreciation release
- Canvassing and sales ramp after a hail event
- Trailers, lifts, and tear-off equipment
What the numbers look like
Most files support roughly half to 1.4 times monthly bank deposits - where a file lands depends on deposit consistency, time in business, and existing positions. As an illustration only: a roofing business depositing $50,000 a month might see an advance around $45,000, repaid as about $283 per business day until a fixed $59,400 is paid. The total is fixed on day one - it never compounds or grows - and most deals carry prepayment discounts, shown with your offer.
| Advance range | $10,000 - $2,000,000 |
| Monthly revenue floor | $10,000 in business deposits |
| Time in business | 6+ months |
| Credit | Cash flow weighs more - scores from 450 workable |
| To apply | No hard credit pull. 4 months of statements + month to date |
Roofing Companies funding questions
We had a huge storm quarter. Does that raise my number?
It helps, but underwriting sizes off your base plus the surge, not the surge alone. Showing work still landing after the storm months is what turns a spike into a bigger offer.
Insurance checks sit in endorsement with the mortgage company. Does the lag hurt?
No. Two-party checks and endorsement delays are structural to restoration work, and funders in this space read the trailing deposit pattern knowing it.
Should a northern roofer apply in winter?
You could qualify, but the number reflects trailing winter deposits. Applying late in the season with strong months behind you usually prices better.
See your number, not a sales pitch
Two minutes, no hard credit pull, and the estimate is sized off your real deposits.
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