$10,000 - $500,000 · Funded in 24-48 hours · Bridge insurance gaps · No collateral required on most products
You land the job after the storm. But insurance payouts, material costs, and crew wages don't all line up on the same schedule.
You've completed the job. The adjuster approved the claim. But the check is still 6-10 weeks away. Your material suppliers and crew can't wait that long, and neither can you.
Shingles, underlayment, decking: suppliers want payment upfront or COD. When storm season hits and you're running 5 jobs at once, that's tens of thousands out of pocket before a single check clears.
A hailstorm can triple your pipeline overnight. But hiring crews, renting lifts, buying equipment, and covering insurance bonds all require cash now. Not after the jobs are done.
We match Texas roofers with the right product for their situation, whether you need to bridge a gap or scale after a storm.
Repaid as a percentage of daily card sales. Payments flex automatically with your revenue. Perfect for bridging insurance payment gaps.
Cover material costs, payroll, and subcontractors while waiting on insurance payouts. Fixed daily or weekly payments, approved on revenue.
Finance trucks, trailers, nail guns, lifts, and safety equipment. The equipment serves as collateral. No additional assets required.
Draw what you need per job. Repay it. Draw again. Ideal for roofing companies managing multiple jobs with different payout timelines.
Payments flex with your monthly revenue: more when storm season is busy, less in slow months. Built for the peaks and valleys of roofing.
Lowest rates and longest terms for established roofing companies. Best for major equipment purchases, acquiring a competitor, or opening a new location.
Most roofing contractors qualify. What goes into the approval decision.
Storm season, insurance floats, crew scale-ups. Here’s what capital access looked like for Texas roofing companies.
After a major hail event, this roofing company had more signed contracts than they could material-fund. Insurance adjusters were 30-60 days out but jobs needed to start immediately. Working capital covered materials and crew for 12 active jobs simultaneously.
Residential re-roofer had a steady stream of insurance replacement work but slow payment cycles from adjusters. Revenue-based financing bridged the cash gap with flexible repayment, he paid more when adjuster checks hit, less in quieter weeks.
Commercial roofing subcontractor needed two new flatbed trucks and capital to scale from 20 to 35 crew members. Combined equipment financing and working capital let them take on two additional commercial GC relationships without turning down work.
Banks don’t understand storm-cycle cash flow. Here’s what trips up roofing companies, and what we look at instead.
Banks compare month-to-month revenue and flag big swings as instability. A roofing company going from $35K to $120K after a hail event looks like an anomaly, not an opportunity.
Storm seasons are predictable. We understand roofing revenue cycles and underwrite with that context, a post-storm surge is proof of capacity, not a red flag.
Banks want to see clean W-2-style revenue. Insurance claim payments are variable and delayed, banks discount or exclude them from income calculations entirely. The result is your practice looks less profitable than it is.
Actual bank deposit history. What lands in your account over the last 3 months is what we use, insurance checks, homeowner payments, commercial draws. All of it counts.
Banks worry about subcontractor-heavy models because they see labor costs as uncontrolled variables. Many roofing companies use subs for surge capacity. Banks interpret that as structural weakness.
Revenue generated from sub-managed jobs counts the same as direct-labor revenue. We fund the cash flow, not the labor model.
No hard credit pull. A funding specialist follows up within 2 business hours.
A Lone Star Capital Group specialist will contact you within 2 business hours to walk through your roofing funding options.
We fund roofing businesses in every major Houston suburb. Click your area for a page built specifically for roofing operators in that market.
We fund roofing businesses in every major Houston suburb. Click your area for a page built specifically for roofing operators in that market.
Stop letting insurance delays slow you down. Get the capital to take on every job that comes your way.
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