Roofing Business Loans, Funded in as Little as 24–48 Hours
$20,000 to $500,000+ for roofing companies through one 60-second form. One application for our lender network and one dedicated specialist who understands insurance-job timing. Roofing business funding and working capital from $20K to $500K+, with one application and one dedicated specialist.
- Buy shingles and underlayment before the insurance check clears. Start the job without emptying the operating account.
- Turn slow-paying invoices into working capital instead of waiting on net-30 to net-90 terms.
- Just 3 months of business bank statements to receive offers.Some states require 4 months.
See What Your Company Qualifies For
Takes about a minute. No obligation, and applying won’t affect your credit.
From Application to Funding in Four Steps
The same process we have run for more than 10,000 businesses.
Step01Tell us what you need
Loan amount, monthly revenue and how to reach you. About a minute, and a soft inquiry only.
Step02Meet your funding specialist
One person owns your file. They read your statements, ask the right questions and work the lender network on your behalf.
Step03Compare real offers
Term, payment and total cost side by side. No jargon, and nothing is signed until you understand every line.
Step04Get funded
Sign electronically. Most files fund in as little as 24–48 hours of approval.
What Roofing Companies Fund with It
Roofing cash flow is tied to weather and insurance timelines. Funding keeps crews on roofs between payouts.
- Storm-season materialsShingles, underlayment and flashing before the rush.
- Payroll between payoutsKeep crews working while insurance and final draws are in process.
- EquipmentLifts, dump trailers, nail guns and safety gear.
- Bigger jobsThe working capital to take on commercial and multi-unit contracts.
One Application, Every Option That Fits a Roofing Company
Amounts and timing depend on your file. SBA, equipment and receivables financing are also available through the same form.
Working Capital Loan
Short-term capital for payroll, inventory, materials or a slow stretch.
Invoice & Receivables Financing
Advance against invoices that are billed but unpaid, instead of waiting on net-30 to net-90 terms.
Equipment Financing
Finance the equipment you need, where the equipment itself is the collateral.
Business Line of Credit
Draw for predictable seasonal swings and redraw as you repay.
Established Businesses Qualify Fastest
Three things decide the menu of offers. None of them is a perfect credit score.
Credit is considered, not decisive. Revenue-based options weigh your deposits more heavily than your score. Lines of credit need 650+.
Florida-Based, Funding Nationwide
A+ rating with the Better Business Bureau. 4.9 out of 5 based on 200+ Trustpilot and Google reviews (as of September 2026).
Speed without the runaround
Pre-approval in hours, not weeks, and funding in as little as 24–48 hours.
One specialist, start to finish
A named person who knows your file, answers the phone and explains every term.
Offers you can compare
Term, payment and total cost side by side, in writing, before you sign.
Repayment that fits
Daily, weekly or monthly repayment matched to how your business actually earns.
Would absolutely recommend Raul to anyone looking to find funding solutions for their company. If it wasn’t for Raul & RAN Funding I would not have been as prepared as I am now to reach my business goals. Thank you!
Roofing Business Funding That Keeps Crews on the Roof
Materials, labor and insurance jobs with slow payouts all hit before the check clears. One application reaches a network of funders; decisions in 24–48 hours.
Roofing Business Loans
A business term loan gives your roofing business a lump sum with payments spread over up to 3 years. Roofing business loans are commonly used for trucks, trailers, lifts and the materials deposit on a large commercial job. Your specialist shows the total cost before you sign.
Roofing Business Working Capital
Storm season brings a wave of jobs and a wave of up-front costs. Roofing business working capital covers shingles, crew payroll and dump fees while insurance checks are still in the mail. Some products fund the same day you are approved.
Business Loans for Roofing Contractors
Business loans for roofing contractors are sized to your monthly revenue rather than your collateral. Whether you need roofing business financing for a second crew or a new line of commercial work, one application brings back several offers to compare.
Fast Roofing Business Loans
A hail event does not wait for a bank committee. Fast roofing business loans put money in your account in as little as 24–48 hours after approval. A soft credit check lets you see your options first, with no impact on your credit score.
Roofing Company Business Financing
Roofing company business financing covers equipment, software, marketing and the cash gap between finishing a roof and getting paid. Roofing company business funding from $20K to $500K+ is available for companies with one year in business and $20K or more in monthly revenue.
Roofing Contractor Business Financing
A business line of credit is the most flexible form of roofing contractor business financing: draw for materials, repay as jobs close and reuse the line all season. Roofing company business loans and lines come from a network of funders, not a single bank.
Roofing Companies: What It Costs Now and What Fits
How Roofing Companies Get Funded in 2026
The cash cycle for roofing companies is defined by storm-driven demand, insurance-paid jobs that settle in 45 to 90 days and materials and crews paid up front. The products that fit are A/R financing on insurance receivables; a line of credit for materials; equipment financing for trucks and lifts. After a storm season, roofing deposits spike and so do approvals; apply on the strong months, not the slow ones.
| Product | Typical cost at Prime 7.00% | Speed | Fully approved in 2026 (Fed) |
|---|---|---|---|
| Line of credit | 8% – 11% bank; 8% – 36% APR equiv. online | 1 – 3 days online | 45% |
| Term loan | 7% – 11% bank; 10% – 36% online | 2 – 5 days online | 35% |
| Equipment financing | 9.9% – 24% fixed | 2 – 7 days | 71% |
| Revenue-based / MCA | Factor 1.15 – 1.45 | Same day – 48 hours | 48% (12% denied) |
| A/R financing | 1% – 4% per 30 days | 3 – 7 days | High; depends on customers’ credit |
| SBA 7(a) | 10.00% – 13.50% | 30 – 60 days | 37% |
Prime has been 7.00% since September 17, 2026; variable products repriced a quarter point, fixed and factor-rate products did not. Scenarios for the October 28 Fed meeting are in prime rate is 7%: what it means for business loan rates.
Guides for Roofing Companies
Straight Answers Before You Apply
What can roofing funding be used for?
Business operations: materials, payroll, subcontractors, equipment and jobs in progress. It’s working capital for your roofing company.
My GC pays net-60. Can I get funded on those invoices?
Yes. Receivables financing advances against invoices that are billed but unpaid, and your specialist compares it with a working capital loan so you can pick the cheaper fit.
My deposits swing a lot month to month. Is that a problem?
Not usually. Specialists look at the pattern across your statements, not one strong or weak month.
Can I get funding for a brand-new roofing company?
Not through this program. It’s built for roofing companies with at least one year in business and $20,000+ in monthly revenue.
How much roofing business funding can I get?
Roofing business funding on these pages typically runs from $20K to $500K+, with the amount based mainly on your monthly revenue and time in business. Most roofing companies with a year or more of history and $20K or more in monthly deposits have options. Your specialist shows the total cost before you sign.
Can I get roofing business financing with insurance jobs pending?
Yes. Funders look at your bank deposits and overall revenue, not individual receivables. Roofing business financing is often used precisely to bridge the gap while insurance payouts and supplements are processed, so you can keep crews working on the next roof instead of waiting on the last one.
How quickly do fast roofing business loans fund?
Decisions typically come back in 24–48 hours, and some products fund the same day. Fast roofing business loans start with a short application and your last three months of bank statements. RAN Funding is a broker, so one application reaches many funders at once and you compare several offers.
What is the difference between roofing company business loans and a cash advance?
Roofing company business loans have a fixed term, up to 3 years, and a set payment. A merchant cash advance is based on future sales and is repaid as money comes in, which can suit seasonal roofers. Your specialist explains both and shows the total cost before you commit to either.
Is RAN Funding a lender?
RAN Funding is a business financing broker, not a lender. One application reaches a network of funders, and a dedicated specialist brings back the offers you qualify for with the rate, term and total cost side by side. Our compensation is disclosed and paid by the funder, and it does not change the terms you are quoted.
Ready When You Are
One minute to see your options. A specialist calls back during business hours, Monday to Friday, 9am to 6pm ET.