INDUSTRY SOLUTIONS
Roofing Contractors: Funding the Gap Between Checks
Most replacement-cost claims pay in two pieces. The first check comes early and is short by the depreciation and the deductible. The rest is released only once the bill for the finished job goes in. Tear-off, dumpsters, bundles and crew all leave your account inside that gap, and one hail week can open a lot of those gaps at the same time. Monera funds the roofing company carrying them.
Soft credit pull, won't affect your score. No obligation.
Funding Amounts
$10,000 – $500,000
Approval Speed
4 – 8 hours
Credit
All credit profiles considered
Use
Material, crews, lifts, safety gear
THE CHALLENGE
You Finish the Roof to Get Paid for the Roof
Roofing is a small-business industry doing capital-intensive work. The Census Bureau's 2023 County Business Patterns counted 25,519 roofing-contractor establishments with paid employees, and about nine in ten of them had fewer than 20 people on the payroll, which is our arithmetic on the size classes the Bureau publishes. A company that size does not absorb a hail season out of retained earnings.
The credit market does not automatically absorb it either. In the Federal Reserve Banks' 2026 Report on Employer Firms, built on the 2025 Small Business Credit Survey, 42 percent of applicants received the full amount of financing they sought, 36 percent received some or most of it, and 22 percent received none. Meeting operating expenses was the most common reason firms went looking at all. Here is what a roofing company is trying to finance.
One hail swath books a year of work in a week
Storm demand does not arrive evenly. NOAA's National Severe Storms Laboratory describes hail falling in swaths that "can range in size from a few acres to an area 10 miles wide and 100 miles long," which is another way of saying a single afternoon can put every roof in a corridor on the same list. Atlantic hurricane season is a fixed window, June 1 to November 30, with the peak around September 10 (National Hurricane Center). Crews, material, lifts and dumpsters all have to be standing by before one claim dollar has moved.
February is not a slow month, it is a different company
Federal payroll data shows how much deeper roofing's season runs than the neighboring trades'. In Bureau of Labor Statistics Quarterly Census of Employment and Wages data for 2025, roofing-contractor employment peaked at 259,591 in July and bottomed at 236,801 in February. That is a gap of about 9 percent, our arithmetic on the published counts.
Run the identical comparison on the same series and electrical contractors' February sits roughly 3 percent under their July, plumbing and HVAC contractors' roughly 4 percent under theirs. The Occupational Outlook Handbook puts the reason plainly: in northern states, roofing work may be limited during the winter months. Truck notes, general liability and the office do not observe the season.
Your price is fixed at signing. The material price is not
Roofing material keeps drifting upward. The Bureau of Labor Statistics producer price index for prepared asphalt and tar roofing and siding products rose about 3.6 percent over the twelve months through July 2026, the most recent month published and still marked preliminary. A signed contract locks your number. The supply house does not lock theirs, and the material for the next roof is bought before the last one has collected.
Putting a crew on a roof costs more than putting one anywhere else
The wage itself is mid-range for the trades. The Occupational Outlook Handbook puts median pay for roofers at $55,440 a year in 2025, and that is an occupational wage for the people doing the work rather than a contractor-level figure. The same source projects about 12,000 openings for roofers each year over the decade, many of them expected to come from replacing workers who move to other occupations or leave the labor force. What is not mid-range is the cost of carrying the ones you have.
Washington State's Department of Labor and Industries runs its own workers' compensation fund and prices it per hour worked. For 2026 it charges roof work $5.7930 an hour, against $1.4370 for electrical wiring in buildings and $1.8222 for plumbing. That is one state's schedule rather than a national premium, but the ranking is the message. Fall protection stacks on top of it: the standard that covers it, 29 CFR 1926.501, devotes separate paragraphs to low-slope roofs, steep roofs and residential construction, and OSHA lists it as the most frequently cited standard in the country for fiscal year 2025. Guardrail, net and harness systems are per-crew capital, bought before the job that needs them pays.
The law caps what you can collect before the first bundle lands
In California a residential re-roof is home improvement work, so the job runs on a home improvement contract, and the code covers it even when the work is rebuilding after a governor-declared disaster (Business and Professions Code sections 7151 and 7151.2). On a home improvement contract the downpayment "shall not exceed one thousand dollars ($1,000) or 10 percent of the contract amount, whichever amount is less," and beyond that the contractor may not request payment exceeding the value of work already performed or material already delivered (section 7159.5).
On any re-roof of consequence that cap is a flat one thousand dollars unless the contractor furnishes an approved bond. The material package alone is bigger than the deposit the law allows you to take, so the front half of the job is financed by the roofer by operation of statute.
Commercial roofs hold a slice back until closeout
On commercial and public work, part of what you have already earned is kept until the project closes. Federal construction contracts let the contracting officer retain up to 10 percent when progress is judged unsatisfactory (FAR 52.232-5), Texas requires an owner to reserve 10 percent of the contract price during the work and for 30 days after (Texas Property Code section 53.101), and Florida caps retainage on larger public construction jobs at 5 percent (Florida Statutes section 255.078). Those are the brackets real law puts around the number, and on a large reroof the withheld slice can be most of what you expected to clear.
None of that describes a weak roofing company. It describes the trade working normally. What a roofer needs is capital that shows up on storm time rather than underwriting time, and that reads a February trough and a September spike as the same business rather than two contradictory ones. Plenty of funding sources put roofing in a high-risk bucket for the reasons above. We read those same facts as the job description.
HOW THE MONEY COMES IN
Two Checks, Two Gates, and a Deductible Florida Won't Let You Absorb
Most homeowners have never read how their own policy pays, so the roofer ends up explaining it at the kitchen table. Here is the sequence a replacement-cost claim runs, in the words of the regulator that publishes it for consumers.
1. The first check is the short one
The Texas Department of Insurance tells policyholders that with a replacement cost policy, most companies pay with two checks, and that the first arrives after the adjuster has looked at the damage, "for the estimated cost of repairs, minus depreciation and your deductible." That is the check you mobilize on.
2. The rest is released after you bill the finished job
From the same guide: the insurance company "will give you a check for the amount it kept for depreciation after it gets the bill for the finished job." Texas insurance law puts the same shape in statutory language. Where payment of a claim is conditioned on the performance of an act by the claimant, the insurer pays no later than the fifth business day after that act is performed (Texas Insurance Code section 542.057). The clock does not begin until the roof is on.
3. The mortgage servicer is a second gate
If there is a loan on the house, the check is written to the homeowner and the mortgage company together. The homeowner endorses it, sends it in, and in most cases the mortgage company "will deposit the check and release money to you as the work is done" (Texas Department of Insurance). Two separate release-on-completion mechanisms, stacked on one roof.
4. In Florida, the deductible is a hole you are not allowed to fill
Florida bars a contractor from offering a residential property owner a waiver of any insurance deductible in exchange for inspecting the roof or making a claim, with fines reaching $10,000 per violation (Florida Statutes section 489.147). And for policies issued on or after January 1, 2023, a Florida policyholder may not assign post-loss insurance benefits, so a roofer there cannot take the claim over and deal with the carrier directly (Florida Statutes section 627.7152).
Even the statutory clocks run longer than they read. Florida gives an insurer 60 days after notice of a residential property claim, or a smaller commercial one, to pay or deny it, and that clock is tolled if the policyholder does not supply requested claim information within 10 days (Florida Statutes section 627.70131). Sixty days is the deadline for the first decision, not for the final dollar. The recoverable depreciation sits behind the finished job, and the finished job sits behind your material and your payroll. That whole stretch is what working capital is for. It is funding for your business, not a purchase of the claim.
What Roofers Actually Spend It On
Tear-Off to Final Invoice
Bundles, underlayment, drip edge, the dumpster and the dump fees, plus the crew standing on the roof, all of it gone from your account before the job collects.
The Held-Back Depreciation
Carry the withheld portion of a replacement-cost claim from the day you mobilize to the day the bill for the finished job is paid.
Storm-Week Mobilization
Add crews, pre-buy material and get lifts on site in the days after a hail or wind event, while an entire corridor is calling at once.
Commercial Retainage
Cover the slice a building owner or general contractor keeps back on a commercial roof until the project formally closes out.
Trucks, Lifts and Fall Protection
Conveyors and lifts, dump trailers, service trucks, and the guardrail, net and harness systems a crew has to have before it steps onto a roof.
The February Floor
Hold experienced crews on the payroll through the quiet months so April is a start-up month for the schedule, not for the company.
Apply Once. We Bring Back the Options.
There is no product to pick first. Send one file, we read the revenue, and we tell you which routes are open to a roofing company that looks like yours. Most of the time the answer is working capital, because nothing about it cares which roof the money lands on.
Working Capital
Cash with no strings on how you spend it: a tear-off, a payroll week, or the depreciation a carrier is still sitting on. Where most roofing companies begin, since nothing ties it to one roof.
Learn MoreBusiness Line of Credit
Draw when you mobilize, repay when the claim settles, draw again for the next roof. Interest applies only to the balance you have out, which suits a storm week followed by a dead one.
Learn MoreEquipment Financing
Conveyors and lifts, dump trailers, service trucks and fall-protection systems. Terms reach 60 months, and because the gear itself secures the request, approval tends to be an easier conversation.
Learn MoreInvoice Factoring
Advance the money already sitting in commercial and property-management invoices you have billed, rather than waiting out a building owner's payment cycle.
Learn MoreBusiness & SBA Loans
Structured, longer-dated capital for a yard, a fleet order, or the move from residential re-roofs into commercial work.
Learn MoreRevenue-Based Financing
Repayment that moves with what you collect, so the month after a storm carries more of it than February has to.
Learn MoreRoofing Is Not a High-Risk Category Here
Roofing companies get turned down for things that are just the trade behaving normally. Revenue that jumps after a hail event and settles back by February. Receivables that belong to an insurance carrier rather than to the customer who signed. A balance sheet whose largest asset this week is a pallet of material sitting on a driveway. We read those as roofing, and we underwrite on what the business collects across a full year, storm season included. The terms are the same ones we give every other trade.
See What You Qualify For- Roofing is standard eligibility here, not a high-risk category
- Approvals in 4 – 8 hours, inside the claim clock rather than behind it
- A storm month that spikes revenue reads as performance, not as a flag
- Sized to the gap you carry, not to the first check
- A soft credit pull, so looking costs your score nothing
- We fund the roofing company, never the homeowner's project loan
What It Takes to Qualify
Six months of trading and $10,000 a month through the business. Roofing is measured against the identical bar as every other trade on this site. That is deliberate.
6+ Months
In Business
$10K+
Monthly Revenue
All Credit
Profiles Welcome
See What You Qualify For
It takes less than 30 seconds. Soft credit pull, won't affect your score.
Questions Roofing Contractors Ask Us
Can funding cover the depreciation the carrier is holding back?
Yes, and it is the most common reason roofing contractors call us. On a replacement cost policy the first check is the estimated cost of repairs minus depreciation and the deductible, and the insurer releases the amount it kept for depreciation after it gets the bill for the finished job (Texas Department of Insurance). Texas insurance law describes the same sequence from the carrier's side: where payment is conditioned on the performance of an act by the claimant, the insurer pays no later than the fifth business day after that act is performed (Texas Insurance Code section 542.057). So you finish and fund the roof first, and the money for the roof is released second. Working capital carries that stretch. It is funding for your business, not a purchase of the claim.
How long does an insurance job take to pay in full?
Longer than the legal clocks suggest, and we are not going to invent a number for it. Florida requires an insurer to pay or deny a residential property claim, and smaller commercial ones, within 60 days of notice, and that clock is tolled if the policyholder does not supply requested claim information within 10 days of the request (Florida Statutes section 627.70131). Even met perfectly, 60 days is the deadline for the first decision, not for the last dollar. Then, if there is a loan on the house, in most cases the mortgage company deposits the check and releases money to you as the work is done. One restoration job can stay open across most of a season, which is why the funding is built around the stretch instead of a payment date.
Florida closed assignment of benefits on newer policies. What funds the job now?
Your own balance sheet, which is exactly the problem we solve. For any residential or commercial property policy issued on or after January 1, 2023, a Florida policyholder may not assign post-loss insurance benefits, and an attempted assignment is void (Florida Statutes section 627.7152). In Florida you also cannot close the gap by offering to waive the homeowner's deductible. Florida bars a contractor from offering a residential property owner a waiver of any insurance deductible in exchange for inspecting the roof or making a claim, with fines reaching $10,000 per violation (Florida Statutes section 489.147). The route that once let a roofer take the claim over and deal with the carrier directly is closed, so the working capital underneath the job is what carries it.
How does this work on commercial roofs with retainage?
The same way, with one more wait built in. On commercial and public roofing a share of what you have already earned is held until closeout. Federal construction contracts let the contracting officer retain up to 10 percent when progress is judged unsatisfactory (FAR 52.232-5), Texas requires an owner to reserve 10 percent of the contract price during the work (Texas Property Code section 53.101), and Florida caps retainage on larger public construction jobs at 5 percent (Florida Statutes section 255.078). Working capital covers the crew and the material while that slice sits out the closeout period, and a clean commercial invoice can often be factored so most of the money is not waiting on a punch list.
Can funding carry my crews through the off-season?
That is one of the main uses. Roofing's winter runs deeper than the other trades'. In Bureau of Labor Statistics Quarterly Census of Employment and Wages data for 2025, roofing-contractor employment peaked in July at 259,591 and bottomed in February at 236,801, a gap of roughly 9 percent on those published counts. The Occupational Outlook Handbook notes that in northern states roofing work may be limited during the winter months. Crews that scatter in February do not reassemble on the morning the first hail call comes in. Protecting that payroll over the winter is what makes you the company that can answer it.
Do you finance my customers' roofs?
No. We fund the roofing company, not the homeowner. Homeowners who finance a roof do that through a third-party consumer program, which is a separate arrangement we have no part in. Our money sits behind you instead, covering the material, the tear-off, the crew and the equipment you pay for long before any of it comes back. We also do not buy claims, take assignments, or put ourselves between you and a carrier.
Does checking cost me anything, and what decides the amount?
Checking is a soft credit pull. Your score is untouched by it, and an offer on the table obliges you to nothing. Amounts run $10,000 to $500,000 in most cases, and the figure is driven by what the business collects each month and how long it has been collecting, not by one number on a report. All credit profiles are considered. The roofing companies we fund are typically past 6 months of trading with $10,000 or more a month coming through, which is the identical bar every trade on this site is held to.
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