Roofing Company Funding — Materials, Crews & Storm-Restoration Capital
Roofing company funding from Y Millennial Funding is working capital for residential and commercial roofers and storm-restoration contractors, structured as a merchant cash advance: a purchase of future receivables, not a loan. It is sized to the company's bank deposits, for roofers doing $50,000 or more a month, and remitted as a share of receivables, so it moves with how fast insurance and customer money actually comes in. Not all applicants qualify.
Roofing money moves on a lag. Shingles, underlayment and crew wages are paid when the roof goes on, while insurance jobs pay in pieces: the first check, then supplements, then the depreciation holdback after the job is done. Roofers use our funding to buy materials before a storm season, carry crews while claims settle, add trucks and trailers, and scale up fast after hail or a hurricane. We are a direct funder and underwrite on deposits, not credit score or collateral.
Get Pre-Qualified
Takes under a minute. No credit pull.
- Can I qualify with bad credit? No. Approval weighs your roofing business's deposits and revenue, not your credit score or collateral, so a roofer with steady deposits can qualify despite past credit issues. Not all applicants qualify.
- How fast can I get funded? Eligible applications with complete bank statements can get a same-day decision, with funding commonly within 24 to 72 hours.
- What does it cost? Advance size is based on monthly deposits and how consistent they are. Advances commonly start around $25,000, and we evaluate requests up to $5 million for commercial and storm-restoration operations. Not all applicants qualify.
Industry Snapshot
Residential and commercial roofers; storm- and insurance-restoration contractors; re-roof and repair specialists; shingle, metal, tile, and flat/commercial (TPO/EPDM) roofers; gutter and exterior contractors.
$50K-$3M monthly revenue typical for our applicants; many established roofers in the $100K-$1M monthly range, often spiking after storms.
$25K-$500K typical advance size; larger advances available for commercial and storm-restoration operations with strong deposit history.
Why Traditional Lenders Struggle with Roofing Companies & Contractors
Roofing revenue is lumpy and storm-driven, so a year's tax return rarely looks like steady income. Most of a roofer's receivables are insurance money owed through the homeowner and the mortgage company, which a bank won't lend against, and the value of the business sits in crews, trucks and a supplier account rather than real estate.
When a storm hits, a bank loan takes weeks. The work is gone by then.
Why Revenue-Based Funding Works for Roofing Companies & Contractors
A merchant cash advance looks at what a roofing company deposits: insurance proceeds, customer payments and commercial draws. We size funding to that history rather than to credit score or collateral, and it arrives fast enough to buy material and put crews on roofs while the storm work is still there.
Remittance is a share of receivables, so a slow month of claim payments means a smaller remittance and a busy month of released depreciation pays it down faster.
A merchant cash advance is a purchase of future receivables, not a loan. Approval depends on underwriting and revenue, and not all applicants qualify.
See if your roofing companies & contractors business pre-qualifies
Checking your options takes under a minute and won't affect your credit. Approved on revenue, not credit score.
Prefer to talk? Call (855) 774-6461Common Uses of Funding
Buying shingles, metal, membrane and underlayment ahead of a job or storm season; covering crew payroll while ACV checks, supplements and depreciation holdbacks come in; trucks, trailers, dump trailers and lifts; scaling up after hail or hurricane events; bridging commercial draws and retainage; marketing and canvassing in a new storm market.
Common Challenges
The first insurance check isn't the whole job. On a replacement-cost policy the carrier usually pays actual cash value first and holds back recoverable depreciation until the roof is finished and the completion paperwork is in, so the roofer carries part of every job for weeks.
The mortgage company holds the check. Claim checks are often made out to both the homeowner and the lender, and waiting on the mortgage company to endorse and release funds can add weeks.
Supplements take time. Items the adjuster missed, like decking, drip edge, ice and water shield or code upgrades, get billed as supplements that the carrier reviews on its own schedule.
Storms don't wait for cash. After a hail or hurricane event, the roofers who can buy material and put crews on roofs in the first weeks get the work; the ones waiting on last month's checks don't.
Commercial work pays on draws. General contractors and property owners pay on progress billing with retainage held back until closeout, while crews and the supplier account are due now.
How Repayment Works
Daily or weekly ACH remittance set as a percentage of revenue, so remittance flexes with collections — slower weeks remit less, payment weeks more. Total terms typically range from 6 to 18 months depending on advance size and deposit consistency.
Seasonal Considerations
Weather drives the calendar. Hail season across the Plains and Texas peaks in spring and early summer, hurricane season on the Gulf and Atlantic coasts runs June through November, and northern markets slow sharply in winter when shingles can't be installed properly in the cold. Insurance-claim cycles, not just the weather itself, decide when the money arrives, which is often months after the storm.
Regulatory Environment
State and local contractor licensing, which some states apply specifically to roofing; insurance and bonding; OSHA fall-protection rules; building codes with stricter wind and impact requirements in hurricane and hail zones; and local permits and inspections. Many states regulate how contractors handle insurance claims, and some restrict door-to-door storm solicitation.
In Florida, assignment of benefits is no longer allowed on residential or commercial property insurance policies issued on or after January 1, 2023, and the same law shortened the deadline to report a new claim to one year, so Florida roofers now get paid through the homeowner rather than directly from the insurer.
Industry Terminology
Square, tear-off, re-roof, underlayment, membrane (TPO/EPDM), ACV/RCV, adjuster, scope, supplement, deductible, retainage, draw, insurance restoration, ridge, flashing, lead, crew.
Nationwide Roofing Companies & Contractors Funding
Y Millennial Funding works with roofing companies & contractors businesses across the United States. Because our funding is revenue-based and delivered electronically via ACH, we are able to work with businesses nationwide — not just in a single region. Wherever your business operates, we can underwrite based on your revenue history and get you funded quickly.
Local Markets We Serve
We fund Roofing Companies & Contractors businesses nationwide — browse all locations.Frequently Asked Questions
Common questions about roofing companies & contractors business funding.
Related Industries
Helpful Tools
Free resources to help you understand and plan your merchant cash advance.
Eligibility Checker
5-minute pre-qualification assessment with no credit pull.
MCA Calculator
Estimate payments, factor-rate cost, APR, and term length.
Stacking Calculator
Analyze capacity for multiple MCA positions.
How MCA Works
Learn the mechanics and process.
MCA Disclosures
Important terms and information.