Roofing Company Funding — Materials, Crews & Storm-Restoration Capital

Roofing funding solves the timing problem at the center of every roofing business: materials and crews must be paid before the homeowner, general contractor, or insurer pays — and when a storm hits, demand surges faster than cash flow can keep up. Insurance-restoration work in particular means carrying materials and labor for weeks while a claim is processed. Y Millennial Funding provides revenue-based capital structured as a merchant cash advance — not a loan — for residential and commercial roofers, storm-restoration contractors, and repair specialists doing $25,000 or more in monthly revenue. We are a direct funder, not a broker, and we underwrite on your bank deposits and revenue patterns rather than credit score or hard collateral. Roofers use this capital to buy materials ahead of a job or storm surge, cover crew payroll while waiting on insurance checks, purchase equipment and trucks, scale up for restoration work, and bridge GC and insurer receivables. Because remittance is a percentage of revenue, it flexes with how payments actually arrive, and approval is fast enough to capture storm work before the window closes. A merchant cash advance is the purchase of future receivables, not a loan. Not all applicants qualify, and approval depends on revenue patterns, deposit consistency, time in business, and other factors.