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 it's fixable in about 24 hours.
Your bank knows one of them. If it said no, you likely still qualify under another. That's not a pitch, it's how lending is structured.
Working capital against your monthly deposits. This is the fast one: same-day to 48 hours, built for materials-and-payroll gaps.
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.
Typical: 6+ months in business · 600+ FICO for lines of credit
The trucks and equipment 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
Job intake · takes 15 seconds
Four questions here, then you'll finish a short secure application. Checking your options is a soft pull. It does not touch your credit.
Your info goes to Michael Mines and to ROK Financial to process your request. No spam lists, no reselling your number.
Prefer to skip ahead? Go straight to the application.I'm Michael Mines, an independent funding broker. I 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.
I don't lend money myself. I place your file with ROK Financial, an A+ BBB-accredited marketplace that's put about two billion dollars into small businesses, and their team works your options across all three paths. My job is making sure a roofer's file lands in front of people who actually fund roofers.
— Michael Mines