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Texas Roofing Funding

Capital Built for
Texas Roofers

$10,000 – $500,000 · Funded in 24–48 hours · Bridge insurance gaps · No collateral required on most products

0 Capital Deployed
0 Contractors Funded
24–48h Avg Funding Time
580+ Min Credit Score
We Get It

The Cash Flow Gaps Every Roofer Knows

You land the job after the storm. But insurance payouts, material costs, and crew wages don't all line up on the same schedule.

Insurance Payouts Take 30–90 Days

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.

Materials Are Due Before Jobs Pay Out

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.

Storm Season Demands Scale Fast

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.

Funding Options

The Right Capital for Every Roofing Job

We match Texas roofers with the right product for their situation — whether you need to bridge a gap or scale after a storm.

Merchant Cash Advance 24 hrs
$5K$500K

Repaid as a percentage of daily card sales — payments flex automatically with your revenue. Perfect for bridging insurance payment gaps.

Working Capital Loan 24–48 hrs
$10K$500K

Cover material costs, payroll, and subcontractors while waiting on insurance payouts. Fixed daily or weekly payments, approved on revenue.

Equipment Financing 3–7 days
$10K$1M

Finance trucks, trailers, nail guns, lifts, and safety equipment. The equipment serves as collateral — no additional assets required.

Business Line of Credit 2–3 days
$10K$250K

Draw what you need per job. Repay it. Draw again. Ideal for roofing companies managing multiple jobs with different payout timelines.

Revenue-Based Financing 24–48 hrs
$5K$250K

Payments flex with your monthly revenue — more when storm season is busy, less in slow months. Built for the peaks and valleys of roofing.

SBA Loan 2–4 weeks
$50K$5M

Lowest rates and longest terms for established roofing companies. Best for major equipment purchases, acquiring a competitor, or opening a new location.

Qualifications

Do You Qualify?

Most roofing contractors qualify. Here's what lenders look at.

6+ mo Minimum time in business (most products)
$10K+ Average monthly revenue (bank deposits)
580+ Minimum credit score for most products
3 mo Bank statements — that's all the paperwork
Apply Now

Check Your Options in 60 Seconds

No hard credit pull. A funding specialist follows up within 2 business hours.

No credit impact 256-bit encrypted Zero fees — ever

Application Received!

A Lone Star Capital Group specialist will contact you within 2 business hours to walk through your roofing funding options.

FAQ

Roofing Funding Questions

Yes — and storm season is actually a great time to apply. Lenders look at your trailing 3-month revenue average. If deposits are strong from storm work, your approval amount goes up. Apply when revenue is high, not after it slows.
Yes. Sole proprietors, LLCs, S-Corps, and subcontractors all qualify as long as you have at least 6 months of operating history and can show consistent revenue through bank statements.
No. Lenders evaluate your actual bank deposits — not receivables or pending insurance claim amounts. If insurance payments are flowing through your account, that counts as revenue. Pending claims that haven't paid out yet do not count.
Just 3 months of business bank statements, a valid government ID, and a voided check. No tax returns, no business plan, no collateral required for working capital products. Equipment financing requires equipment details.
Working capital and merchant cash advances fund in 24–48 hours of approval. Equipment financing for trucks or equipment takes 3–7 days. SBA loans take 2–4 weeks but offer the lowest rates. We'll tell you exactly which product fits your timeline.

Ready to Scale Your Roofing Business?

Stop letting insurance delays slow you down. Get the capital to take on every job that comes your way.

Apply Now — Free & Fast ↗