Roofing and siding contractors pay for shingles, crews and dumpsters before the final payment arrives, and weather decides when jobs happen. Here is how the cash cycle works and what to know before you apply.
Apply Now →Exterior work in New York happens inside a window. A hard winter limits roof tear-offs and siding installs, and a wet spring pushes jobs together once the weather clears. Contractors learn to sell in the slow months and finish in a rush, which means peak payroll, peak materials and peak insurance exposure all land at the same time.
A single week of rain can slide five jobs to the following week. The crew is still on the clock, the dumpster rental keeps running and the next customer is waiting.
Residential jobs usually involve a deposit and a final payment, sometimes with insurance-claim paperwork when storm damage is involved. Collection can be quick if the homeowner pays on completion, or slow when an insurer's check sits in a mortgage servicer's queue. Commercial roofing and exterior work involve larger contracts, often milestone billing and retainage, which means a bigger share of the money is held until the end of the job.
The mix of the two changes your cash profile. A contractor with mostly small residential tickets may need working capital to smooth the weekly payroll, while one with commercial contracts needs it to bridge long payment schedules.
Good contractors protect cash with simple habits: a meaningful deposit before materials are ordered, a written payment schedule tied to stages of the job and a clear process for change orders. Insurance-funded storm work adds a wrinkle, because the check may be made out to the homeowner and the mortgage company, and the contractor depends on how quickly those parties endorse it. Siding and exterior trim work often carries smaller tickets and quicker payment than a full roof, so a mix of job sizes can steady the cash flow.
Funders review each business individually, and some types of residential exterior work are viewed more cautiously than others. We cannot tell you in advance whether a particular roofing or siding company will qualify, and we do not promise any outcome. What we can describe is the process: the application takes about five minutes with a soft credit pull, we look at about three months of business bank statements, no tax returns are required, and a FICO of 500 or higher is considered. Funding runs from $25,000 to $5,000,000 and, when it happens, can arrive in as little as 24 hours. Sole proprietors can apply.
If you do apply, be ready to explain your work mix, such as how much is commercial or multi-family versus single-family homes. Clear statements and a clear description of how you collect payment make the review easier for everyone.
We cannot say in advance. Each business is reviewed individually, and residential exterior work can be viewed more cautiously. The application takes about five minutes and uses a soft credit pull.
Materials ahead of a job, weekly crew payroll, dumpster and permit costs, insurance and vehicles. Funding runs from $25,000 to $5,000,000.
Yes. A stretch of rain pushes jobs back while crews, equipment rentals and insurance continue, which is why many contractors seek a cushion before spring.
No. We review about three months of business bank statements.
Yes. Sole proprietors can apply.
Three months of business bank statements and a 5-minute application. FICO 500+ considered. $25,000 to $5,000,000, funded in as little as 24 hours.
Apply Now →It takes about two minutes and it will not affect your credit score.
No obligation • No impact to your credit score
