Financing program
Connect with lenders who understand roofing. Finance dump trucks and equipment, front the cost of shingles and membrane before you get paid, and bridge the wait on slow insurance payouts. One application, we match you with the right programs.
Roofing contractors finance trucks and equipment (dump trucks, trailers, cranes, hoists), working capital to front shingles, membrane and metal, and SBA loans for premises and acquisition. Roofing is front-loaded: thousands of dollars in materials per job go out before a nail is driven, and payroll runs while the work is done and invoiced.
Roofing is a front-loaded business. Before a single nail goes in, you're buying pallets of shingles, rolls of membrane, or runs of metal — thousands of dollars in materials per job — and covering crew payroll while the work gets done. Then you wait. On retail re-roofs you might wait 30 to 60 days to collect; on storm-restoration and insurance work, you can wait even longer while the carrier inspects, approves the supplement, and finally cuts a check. That gap between when cash goes out for materials and labor and when it comes back in is the single biggest constraint on a roofing company's ability to take on more work.
Weather makes it harder. Demand surges after hail and wind events and during the warm-weather installation window, then drops off through the off-season — but truck payments, insurance, and your best crews don't pause. That's why roofing-specific financing matters. Lenders who understand the trade evaluate your real cash flow and seasonality, structure equipment loans around the life of a dump truck or material lift, working capital around your billing and insurance-payout cycle, and SBA loans for acquisition or a permanent shop. Axiant Partners connects residential and commercial roofing contractors with lenders who get the business. One application, and we match you with programs suited to your profile. See all industries we serve. Apply now to see what you qualify for.
From adding a dump truck to fronting materials on a big commercial job, here are the most common uses — and how we connect you with the right product.
Add or replace dump trucks for tear-off debris, equipment trucks, and crew vehicles. Equipment financing spreads the cost over the vehicle's useful life so you can put another truck on the road for storm season without draining cash. New or used, single unit or fleet. See dump truck financing.
Cranes, conveyors, hoists, material lifts, compressors, nail guns, and safety gear. Equipment financing lets you outfit new crews and get materials up on the roof faster without a large upfront outlay. Many programs fund quickly so you can take on more jobs.
Buy shingles, membrane, and metal and make payroll on big jobs while you wait 30-90 days — or longer on insurance work — to get paid. Working capital loans bridge the gap between fronting materials and collecting on the invoice or insurance check.
Revolving credit you draw on during the off-season and slow insurance payouts, then repay through peak and storm-restoration demand. A business line of credit keeps crews on roofs and material orders flowing without committing to a fixed-term loan you don't always need.
Buy out a competitor, acquire a book of service work, or purchase a permanent shop with a yard for trucks, dumpsters, and material storage. SBA 7(a) and 504 loans offer longer terms and lower down payments — ideal for bigger, longer-horizon moves. Plan for 30-60+ days.
Stop leasing your shop and yard. Commercial real estate loans and SBA 504 help you buy or refinance a building with secure storage and equipment parking, building equity while freeing capital for trucks and materials.
Financing sizes vary by product, use of funds, and business profile. Here are representative ranges we see across the U.S.:
| Industry | Typical amount | What it funds |
|---|---|---|
| Equipment & vehicle financing | $25,000 to $500,000+ | dump trucks, trailers, cranes, hoists, conveyors, compressors, and lifts. Single asset or fleet. New or used. |
| Working capital | $25,000 to $500,000+ | to front shingles, membrane, and metal, and to cover payroll between billing cycles and slow insurance payouts. |
| Lines of credit | $25,000 to $500,000+ | depending on revenue, credit, and lender. Revolving, draw as needed for seasonal and storm-restoration swings. |
| SBA 7(a) | $50,000 to $5,000,000 | acquisition, equipment, working capital, or real estate. Most flexible SBA program. |
| SBA 504 | $500,000 to $5,000,000+ | owner-occupied shops and buildings. 10% down, long-term fixed rates. |
Your actual amount depends on revenue, credit, collateral, and lender. Use our financing calculator to estimate monthly payments. Apply now to get matched with programs for your situation.
We connect you with lenders who offer equipment financing, working capital, lines of credit, and SBA loans. Understanding the options helps you choose the right fit—and we guide you through that decision.
| Financing Option | Best For | |
|---|---|---|
| Equipment & Vehicle Financing | Loans for dump trucks, trailers, cranes, hoists, conveyors, compressors, and material lifts. Spread costs over useful life; preserve cash for materials. Decisions often 24-48 hours. | Explore equipment financing → |
| Working Capital | Front shingles, membrane, and metal and cover payroll on big jobs while waiting 30-90 days — or longer on insurance work — to get paid. Bridge the gap between buying and billing. | Explore working capital → |
| Business Line of Credit | Revolving credit for the off-season, slow insurance payouts, and bulk material buys. Draw when needed; repay during peak and storm demand. Flexible, use as needed. | Explore lines of credit → |
| SBA Loans | SBA 7(a) and 504 loans offer longer terms and lower down payments. Use for acquisition, equipment, working capital, or a permanent shop and yard. Approval typically 30–60 days. | View SBA loans → |
| Commercial Real Estate | Purchase or refinance a shop or building. SBA 504 and commercial mortgages build equity while freeing capital for trucks and materials. 10% down with 504. | Explore real estate financing → |
Axiant Partners connects you with lenders and guides you from application to funding.
Equipment financing: 24-48 hours. Working capital: days to weeks. SBA: 30-60+ days. Apply now to get started.
01
Tell us about your operation, equipment needs, and use of funds. One application goes to multiple lender partners. We determine whether equipment, working capital, a line of credit, SBA, or a combination fits best.
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Our team analyzes your profile and identifies lenders whose programs align with your needs — whether you need a dump truck this week or a shop next quarter.
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Equipment financing often needs minimal docs—application, bank statements, equipment quote. Working capital and SBA need more. We tell you exactly what's needed. Equipment decisions in 24-48 hours; SBA 30-60+ days.
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Once approved, funds disburse per your loan type. Equipment—lender pays the vendor or you. Working capital—deposited to your account. SBA—per closing docs. You're funded and ready to take on more work.
Roofing contractors frequently finance vehicles and equipment that would otherwise tie up cash. Below are common types, typical cost ranges, and why businesses finance them.
Dump trucks haul away tear-off debris instead of paying per-pull dumpster fees on every job. A work-ready dump truck typically runs $50,000–$150,000 depending on class and bed. Financing lets you add capacity for storm season without a large cash outlay. How to finance a dump truck
Dump trailers, equipment trailers, and outfitted equipment trucks move material and gear from job to job. Trailers commonly run $5,000–$30,000, while equipment trucks run higher. Finance roofing trailers
Material handlers, ladder hoists, and conveyors get shingles and membrane up to the roof fast and safer, cutting labor on every job. Equipment can range from $5,000 for a hoist to $150,000+ for a knuckle-boom or crane. Finance lift & hoist equipment
Air compressors, coil roofing nailers, and pneumatic tools are core to crew productivity. Outfitting multiple crews adds up fast, with packages typically $2,000–$15,000 per crew. Finance roofing tools
Harnesses, anchors, guardrails, and OSHA-compliant fall-protection systems are required to keep crews working. Outfitting a full operation can run $5,000–$25,000+. Finance safety equipment
Estimating software, aerial-measurement tools, CRM, and office hardware keep crews scheduled and supplements flowing. These can often be bundled into an equipment package. Finance business systems
Browse All Equipment by TypeApply for Roofing Equipment Financing
Requirements vary by product and lender. Here's what most lenders consider:
Credit 550+ FICO common; some programs work with lower. Revenue, time in business, and asset value matter. New equipment often easier than used. Down payment 0–20% depending on credit and asset.
Revenue, cash flow, and time in business (often 6-12 months). Lenders want to see ability to repay. Consistent deposits and clean bank statements support approval — helpful when revenue swings with weather and insurance timing.
Revenue stability, credit, and existing debt. Revolving structure means ongoing monitoring. Draw as needed; repay when the insurance check clears or peak season hits.
Typically 650–680+ FICO, 2+ years in business, demonstrated profitability. Personal guarantees required. More documentation, but terms (10–25 years, 10% down for 504) often worth it.
Strong operations with clear use of funds and solid documentation typically qualify for favorable terms. Challenged credit? Options exist—terms may differ. Apply now and we'll match you with lenders whose criteria fit your profile.
We focus on connecting contractors with the right lenders and moving your application forward efficiently.
We understand equipment, working capital, lines of credit, SBA, and how they fit a weather-driven trade with slow insurance payouts. We match you with lenders who serve contractors.
A dump truck today, working capital to front materials on a big commercial job, SBA when you're ready to acquire. One application goes to multiple lenders across product types.
We serve residential and commercial roofing contractors anywhere in the U.S.
We're compensated by lenders. Your match service is free.
One application, multiple options, support at each stage. Apply now to get started.
See a rough monthly payment for a fixed-rate business loan. Adjust the amount, rate, and term to fit your scenario.
Estimate only — your actual rate and term depend on your business profile and the lender. Get matched for a real quote.
Roofing contractors can access equipment and vehicle financing for dump trucks, trailers, cranes, and hoists; working capital loans to front shingles, membrane, and metal and to cover payroll on big jobs; lines of credit for seasonal swings and slow insurance payouts; and SBA loans for acquisition or a permanent shop. Amounts typically range from $25,000 to $5,000,000. Apply to see what you qualify for.
Equipment and vehicle financing often receives decisions within 24-48 hours. Working capital and lines of credit can fund in days to a couple of weeks. SBA loans typically take 30-60+ days. When storm-restoration work or peak season hits and you need another dump truck or material lift, equipment-style financing is usually the fastest route.
Yes. Equipment and vehicle financing programs often work with newer businesses because the asset secures the loan. Many lenders look for 6-12 months in business for working capital, while startups may use equipment financing or startup-friendly programs. Strong personal credit and a clear use of funds improve approval odds.
Equipment and vehicle financing programs often accept 550+ FICO. Working capital and lines of credit vary by lender. SBA loans typically favor 650-680+ credit. Strong credit improves terms; options exist for challenged credit with different structures. Apply and we'll match you with lenders that fit your profile.
Roofers often front thousands in shingles, membrane, and metal and cover payroll before an insurance carrier releases payment on storm-restoration work, which can take weeks. Many contractors use a business line of credit or working capital loan to buy materials and make payroll, then repay once the insurance check clears or the busy season peaks. Matching financing to your billing and weather cycles keeps crews on roofs year-round.
Apply for Roofing Financing TodayExplore our most popular articles on equipment and business financing. For equipment-specific guides by type, see Equipment by Type. For all articles, see Equipment Financing Articles.
Shingles and membrane get paid for before the job pays you. Supplier terms, lines of credit, and material financing to bridge the gap.
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Read →Rain delays, winter slowdowns, and storm spikes make revenue lumpy while payroll stays flat. How to smooth the swings with a line of credit.
Read →Credit requirements for equipment loans and leases. Programs for 550+, 600+, 700+ FICO. Improve approval odds.
Read →We also provide financing for construction and HVAC businesses, plus other trades. View all industries.
Roofing contractors need financing that fits weather-driven demand, the cost of fronting materials, and the lag of slow insurance payouts. Axiant Partners connects roofing businesses with lenders that offer equipment and vehicle loans, working capital, lines of credit, SBA loans, and more. Submit your information once and we match you with programs suited to your business profile.