Industry expertise
Business Loans for Roofing Companies
Roofing companies front the cost of shingles and crews long before an insurance claim pays out, and TrustFi helps close that gap so a storm season doesn't outrun your cash.
- Applying will not impact your credit score
- Funding decisions in as little as 24 hours
- A dedicated funding specialist, not a call center
- Businesses funded
- 10,000+Businesses funded
- In funding secured
- $500M+In funding secured
- Industries served
- 50+Industries served
Why it's different
Funding built around how roofing companies actually run
Roofing runs on somebody else's clock more than most trades. A hailstorm or windstorm can hand you a month's worth of jobs in a single week, but the money to cover them often comes from an insurance company, not the homeowner, and that claim can take weeks to process. In the meantime, you're still fronting shingles, underlayment, and dumpster fees, staffing extra tear-off crews, and covering the liability insurance and bonding costs that come with working on ladders, lifts, and steep-pitch roofs. In colder markets, that pressure compounds once the season winds down and jobs slow to a trickle.
TrustFi builds funding around that timing gap instead of expecting your business to absorb it. Whether it's a term loan for a new dump trailer, cash to staff up ahead of a predicted storm, or turning approved insurance claims into cash before the check arrives, we structure it around how roofing actually gets paid. The application takes under 10 minutes, applying does not impact your credit score, and TrustFi backs every submission with a 2-hour response guarantee, so a storm surge doesn't turn into a cash-flow crisis.
What we hear
The cash-flow pressures you know too well
Insurance claim payouts lag behind material costs
You front shingles, underlayment, and dumpster fees while the homeowner's insurer processes the claim, which can take weeks. Materials suppliers still expect payment on their own terms, regardless of where the insurance check is in the approval process.
Storm season creates sudden demand spikes
Hail and wind events can flood your schedule with more jobs than your current crew can handle in a single week. Staffing up and ordering enough shingles and underlayment to meet that surge takes cash you may not have on hand yet.
High liability insurance and bonding costs
Roofing carries real fall risk, so liability insurance premiums and bonding requirements run higher than in many other trades. Those fixed costs come due whether or not a storm has generated enough work to cover them that month.
Winter slowdown in cold-weather markets
Many regions see roofing work drop sharply once temperatures fall and ice makes tear-offs unsafe. Crews, truck payments, and insurance premiums don't pause for winter, even when the job pipeline does.
Where the money goes
What roofing companies use funding for
- Renting a crane or lift for a steep or multi-story roof
- Buying a new dump trailer for tear-off debris
- Ordering shingles and underlayment before a storm rush
- Hiring extra crews for a hail or wind season surge
- Covering payroll while an insurance claim is processed
- Purchasing harnesses and safety gear to meet OSHA standards
Our recommendation
Funding options that fit roofing companies
Based on how businesses in your sector earn and spend, these three structures tend to work best.
- Option 1
Business Term Loans
A fixed lump sum fits a major purchase like a dump trailer, lift, or second crew truck, with set payments that don't depend on how the current storm season plays out.
How it works - Option 2
Invoice Factoring
Turn approved insurance claims and completed jobs awaiting payout into cash now instead of waiting weeks for the insurer to release funds, so material suppliers and crews get paid on your timeline.
How it works - Option 3
Collateralized Business Loans
Securing funding against trucks, lifts, or other equipment you already own can lower your rate on a larger purchase, useful when you're financing several vehicles or a fleet upgrade at once.
How it works
Getting started
Three steps, no runaround
- 1
Tell us your story
Share a few details about your business and what you need the capital for. It takes under 10 minutes and never touches your credit score.
- 2
Review your options
A specialist reviews your file and comes back with clear, side-by-side options — real numbers, plain English, no pressure.
- 3
Fund your future
Pick the option that fits. Once you approve, funds can reach your account in as little as 24 hours.
Client stories
We're proud to be part of their journey.
The success of our clients is our greatest reward — 350+ five-star Google reviews and counting.
TrustFi was fantastic to work with on our business capital funding needs. They were professional, efficient and provided the best customer service experience I've had in this industry. We will continue to partner with TrustFi on our funding needs going forward. Highly recommend!
MMaria O. My experience with Griffin Ferro and his team at TrustFi was fantastic. He was able to get me funding in one day. Griffin's communication was awesome. He made sure I knew what was going on every step of the way. He took the time to make sure I completely understood all the aspects of the transaction.
JJohn Highly recommend and a great experience. Gary had our best interest in mind, with professionalism, dedication and care. They really supported our business needs. Great customer service as well!
TTim F.
Can I get funding while I'm waiting on an insurance claim to pay out?
Yes. Roofing companies use tools like invoice factoring to turn approved claims and completed jobs into cash before the insurer's check arrives, rather than waiting weeks for the payment cycle to finish. That keeps material suppliers and crews paid on your schedule instead of the insurance company's.
How fast can a roofing company get approved for funding?
Approval speed depends on your revenue history and the product, but funding can arrive in as little as 24 hours once approved. TrustFi also backs every application with a 2-hour response guarantee, which matters during a storm surge when every day of delay means jobs sitting unscheduled.
Can I finance equipment like a dump trailer or lift?
Yes. Term loans and collateralized business loans are both suited to equipment purchases like dump trailers, lifts, or additional crew trucks. You receive a lump sum up front and repay it on a fixed schedule, which makes budgeting for a major purchase easier than stretching working capital thin.
Will applying for funding affect my credit score?
No. Checking your options with TrustFi does not impact your credit score. You can review what your roofing business qualifies for and compare terms before committing to anything, with no risk to your personal or business credit standing at any point during the process.
Is TrustFi the direct lender on SBA-backed products?
No. TrustFi helps roofing businesses access SBA-guaranteed financing options, which carry lower rates and longer terms but involve a more detailed qualification process. TrustFi is not the direct SBA lender and does not guarantee approval or a specific rate on any product.
Are there hidden fees with roofing business funding?
No. TrustFi lays out costs upfront before you sign anything, so there are no hidden fees buried in fine print. You'll know exactly what a term loan or invoice factoring arrangement costs before you commit, so you can weigh it against the value of the storm-season work in front of you.
Funding for roofing companies, without the runaround.
Apply in under 10 minutes. A specialist who understands your sector will walk you through the options within two hours.
- Applying will not impact your credit score
- Funding decisions in as little as 24 hours
- A dedicated funding specialist, not a call center
- Transparent terms with no hidden fees