Funding for roofing contractors
Materials up front. Payroll every Friday. The draw and the insurance check on somebody else's schedule. That gap is the reason good roofers turn down good jobs, and some options fund the same day.
Residential re-roof · Commercial and flat · Metal roofing · Gutters · Siding and windows · Repair and maintenance
Our funding partner, ROK Financial
Your bank knows one of them. If it said no, you likely still qualify under another. That is not a pitch, it is how lending is structured.
Working capital against your monthly deposits. This is the fast one, built for the materials and payroll gap, and it has no minimum credit score.
Typical: 4+ months in business · $10K+ monthly sales · no minimum credit score
Lines of credit and term loans on the strength of your profile. Interest only on what you draw, which suits a shop whose gaps come and go job to job.
Typical: 6+ months in business · 600+ FICO for a line of credit
The trucks, lifts and trailers in your yard can secure financing, or fund new gear with little to nothing down.
Typical: 580+ FICO · no minimum time in business for equipment
ROK Financial's published criteria. Not a commitment to lend.
On your revenue
Cash against the money already moving through your bank account. It is the fastest option on this page and the one with no credit score floor, because it is underwritten on your deposits rather than your FICO. Use it for materials, payroll, rent or a job you need to start before you get paid for the last one.
ROK Financial's published criteria as of September 2026. Subject to change. Not a commitment to lend.
On your credit
A pool of money you draw from when you need it and pay interest only on what you actually use. Pay it back and it is available again. It suits a business whose gaps come and go rather than one that needs a single lump sum.
ROK Financial's published criteria as of September 2026. Subject to change. Not a commitment to lend.
On what you own
Financing for the machinery, vehicles or technology a business runs on, either to buy new gear or to borrow against gear you already own outright. It is the most forgiving option on time in business: there is no minimum, because the equipment itself carries the file.
May vary based on equipment type. ROK Financial's published criteria as of September 2026. Subject to change. Not a commitment to lend.
Takes 15 seconds
Three questions here, then you finish a short secure application. Checking your options is a soft pull and does not affect your credit score. A hard inquiry may be required at final approval.
When you submit, we send your first name, email address and monthly sales range to ROK Financial so they can work your request. Nothing else leaves this page. Privacy Policy
We're Funding Access Platform, an independent funding referral service. We work with roofing and exterior contractors because the trades get the worst of the banking system: seasonal books, draw schedules, and underwriters who've never stood on a roof.
We don't lend money ourselves. We pass your request to ROK Financial, an A+ rated, BBB accredited marketplace that has funded over two billion dollars in business financing, and their team works your options across all three paths.