Equipment and working capital for roofing companies
Roofing is cash-hungry: you buy materials and pay crews before the homeowner, insurance company or general contractor pays you. We finance the trucks and equipment that do the work, and the working capital that bridges the wait, all from one application.
Roofing equipment we finance
New or used, from a dealer, private seller or auction. The big-ticket items are where financing saves your cash.
Rough price ranges for bigger roofing equipment
| Equipment | Typical new price |
|---|---|
| Dump trailer | $8,000 – $20,000 |
| Telehandler | $80,000 – $180,000 |
| Boom or conveyor roof-loader truck | $150,000 – $350,000 |
| Metal panel roll former | $30,000 – $200,000 |
| Spray foam rig (trailer or box truck) | $80,000 – $250,000 |
| Roll-off truck | $150,000 – $250,000 |
Estimates only, not quotes. Used equipment often costs much less and can be financed the same way.
Which funding fits which roofing problem
| The problem | Best fit | Why |
|---|---|---|
| Need a truck, lift or roll former | Equipment financing or lease | Lowest cost. The equipment is the collateral, with fixed payments up to 72 months. |
| Buying materials before a job starts | Business line of credit | Draw what you need, repay when the job pays, and use it again. |
| Waiting 30–90 days on a GC or commercial client | Invoice factoring | Get paid on completed invoices now instead of waiting. |
| Storm season surge: more crews, more jobs | Working capital or term loan | Fixed payments over 12–24 months to staff up and take the work. |
| Need cash in 24–48 hours | Revenue-based advance | Fastest, but the most expensive. Use it for short gaps, not equipment. |
Straight talk: don't pay for a truck with a cash advance. Put long-life equipment on equipment financing and keep short-term money for short-term needs.
Funding explained, in plain English
Funding your equipment.
Turned down by your bank? Watch this.
Why roofers finance with us
What it takes to qualify
- Active business entity and contractor's license where required
- Personal guaranty from all owners (corp-only available for established companies)
- Minimum 650 credit score for startups (pre-revenue or under 2 years in business)
- No bankruptcies in the last 7 years
- No unresolved tax liens
- 3–4 months of bank statements for working capital
See where you stand with the approval indicator.
Growing without running dry
Insurance restoration jobs can be profitable but slow to pay: supplements, mortgage-company endorsements and depreciation holdbacks can stretch a job's cash cycle for months. Line up a line of credit before storm season, finance trucks and lifts separately, and keep enough cushion that a few slow claims don't stop payroll.
From application to funding
- Apply in minutesOne application covers equipment and working capital.
- Send documentsAn equipment quote, or 3–4 months of bank statements for working capital.
- Review your offersOften by the next day, side by side, with every payment shown.
- Get fundedWorking capital in as little as 24–48 hours; equipment usually 1–5 days after signing.
Roofing business loan questions
Can a new roofing company get financing?
Yes. Startups are considered for equipment financing with strong personal credit, usually with a down payment. Working capital programs typically need at least 6 months of deposits.
Can I finance used roofing trucks and equipment?
Yes. Used trucks, lifts and equipment from dealers, private sellers and auctions can be financed, as long as the equipment and seller can be verified.
What's the best way to pay for roofing materials?
A business line of credit usually fits best: draw for materials when a job starts and pay it back when the job pays. It costs less than an advance and can be reused.
Can I get paid faster on commercial jobs?
Yes. Invoice factoring advances cash on completed invoices to general contractors and commercial clients, so you don't wait 30 to 90 days to get paid.
How much can I get on the application alone?
Up to about $250,000 for equipment with a one-page application, depending on credit and time in business. Larger amounts, up to $5,000,000, need financial statements.
Can I lower my payments in winter?
Yes. Seasonal payment structures can reduce payments during your slow months. The schedule is set when you sign.
Ready to take on more roofs?
One application for trucks, equipment and working capital. Soft pull to pre-qualify, no obligation.
Equipment prices shown are general estimates, not quotes. All financing subject to credit approval; rates and terms vary by credit, time in business and product. NMLS #2009539 · CA DFPI #60-DBO49692.
Our small business financing experts are available to guide you through the funding Process.
Despite technological advancements, loans, especially in equipment for roofers’ financing, predominantly involve personal interaction with an underwriter to ensure as fraud prevention. Automation may not suffice, particularly when dealing with a third party like the vendor and the complexities of equipment purchase. In such scenarios, business owners are often better served by collaborating with a Business Loans Broker like Liberty Capital Group, Inc., who can steer them in the right direction.
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