Arrange it in February
A line put in place in the quiet quarter costs almost nothing to hold. When the storm lands it is already there.
- Open a lineBefore March
- Prepare documentsWinter has time
- Line up crewsCapacity wins work
Industriesroofing and restoration contractors
Business Funding for Roofing & Restoration Contractors
The work is done. The cheque is not.
One place for roofing and restoration owners to price a job honestly, size the cash locked up between production and the carrier payment, and see which financing structure fits the storm you are working right now.
No hard credit pull to start. No applicant fees. Independent business capital advisors.
Capital Scan · Step 1 of 2
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Start with the move
What roofing and restoration contractors use business funding for
Pick one and the calculator below changes to the question that move actually asks.
Run the numbers first
Insurance payout gap calculator
On insurance work you fund the job and the settlement arrives later, once the adjuster, the supplement review and the mortgage company have each had their turn. This works out how much of your cash that wait ties up, how long it sits there, and what would come back if the file settled on the terms in your contract.
$340,000
Work completed and invoiced, not work sold.
85
12
Material delivery to final invoice.
75
Your own measured number, counted to funds cleared and not to the cheque being cut.
30
34
Use the gross margin the job calculator gives you, not the one on the estimate.
Projection
Capital tied up
At these figures, capital tied up comes out at $545,569.
Capital tied up
$545,569
Base, example figures- Cash cycle days
- 87 days
- Open receivables
- $712,603
Full breakdown
- Days past terms
- 45 days
- On-terms cash release
- $282,191
Key insights
- Capital tied up runs from $507,943 to $583,194 as days before invoice moves from 6 days to 18 days.
- Capital tied up rises as days before invoice rises.
Nothing you type here leaves your browser
Every figure is worked out on this page. No input is sent anywhere, stored, or attached to you.
Every figure here is yours to check
It runs on the numbers you entered and nothing else, so you can rebuild any line of it by hand.
Talk to a funding specialist
A real conversation about what these numbers mean before you apply to anything.
What this model leaves out An estimate from your own inputs.Read the full note
It prices the cash you laid out to deliver the work rather than the face value of the settlement, which is why the funding need lands below your open receivables. It puts no price on carrying that cash, because only you know what your money costs.
Typical restoration and roofing funding requests
- $20K-$500KTypical request range
What we actually structure for this industry. Your amount depends on the file.
- 8Structures we place
Equipment, line of credit, term, SBA, asset-based, receivables, revenue-based, and a business HELOC.
- $0Cost to ask
No applicant fees and no hard credit pull to start. Funding partners set final terms.
The numbers
What this industry runs on.
Unless noted: US Census Bureau, County Business Patterns, NAICS 238160 ·
- 25,519Roofing contractors
- 90%Share with fewer than 20 employees
- $55,440Median roofer payBLS Occupational Employment and Wage Statistics ·
- 43,359Hail events logged in five yearsNOAA National Centers for Environmental Information, Storm Events Database ·
- 61 in FY2025Federal major disaster declarationsFEMA, OpenFEMA Disaster Declarations Summaries · FY2025
The cash year
Restoration and roofing seasonality and cash-flow gaps
Roofing and Restoration Seasonality Timeline
Storms set demand and settlements set cash, and the two peaks sit months apart. Plan for both.
Seasonal pattern
- Lower
- Building
- Stronger
Pre-season buildRestoration work only, roofing idle
Storm seasonContracts sign faster than crews produce
Winter wind-downOverhead runs, roofing revenue does not
- JAN
- FEB
- MAR
- APR
- MAY
- JUN
- JUL
- AUG
- SEP
- OCT
- NOV
- DEC
Three separate curves
Hail peaks in May, production in June, settlements in August. The cash trough sits between the second and the third.
- Fund settlement timingNot production volume
- Cover material spendBacklog buys first
- Track supplementsCarrier timeline differs
Model a December
A strong hail season is followed by a quiet winter where overhead still runs. Model the payment against December.
- Keep trained crewsRehiring costs more
- Stress the paymentAgainst winter cash
- Chase freeze lossesWinter restoration work
This is the typical hail year across 2021 to 2025. One storm in your own market can rewrite the whole calendar.
Funding products
What actually gets placed for roofing and restoration contractors.
Monthly
The Restoration Capital Brief
Once a month: what equipment categories actually cost, what structures are being written for storm and restoration contractors, and the compliance changes worth knowing about. No pitch, unsubscribe in one click.
Reading
Restoration and roofing funding guides and comparisons
Everything we have published for roofing and restoration contractors, newest first. 6 pieces in total. Narrow it to the shelf you need, or read straight down the list.
- What Is a Factor Rate? An Honest ExplainerFactor rates explained: how they differ from interest rates, how to calculate your true repayment cost, and what to watch for in an offer.Updated Jul 31, 2026
- Equipment Financing Without Draining CashHow equipment financing works, illustrative rates and terms, how to qualify, and when it beats leasing, a term loan, or paying cash.Jul 9, 2026
- Business Line of Credit: How It WorksHow a business line of credit works, what it costs, who qualifies, and when a revolving line beats a term loan or an advance.Jul 1, 2026
- MCA vs. Invoice Factoring, Which Is Right for B2B?Merchant cash advance vs invoice factoring: cost, speed, qualification. For B2B businesses with invoiced customers, factoring may cost less.Jun 9, 2026
- How to Prepare Your Business for Fast FundingThe document checklist, revenue benchmarks, and what underwriters actually look at, so you can prepare before you apply for fast funding.Apr 5, 2026
- Revenue-Based Funding vs. Traditional LoansAn honest side-by-side of revenue-based funding and term loans: cost, speed, qualification, and when each option makes sense for your business.Apr 1, 2026
Disclosure
Figures on this page are illustrative estimates only and are not an offer of financing. All amounts, rates, factor rates, terms, payment amounts, timelines, and qualification criteria vary by lender, depend on funder underwriting and your business's bank statement history, and are subject to change without notice. Nothing here is guaranteed until a funder issues terms and you sign them. Factor rates do not represent APR. Commera is a broker, not a lender, and does not set rates.
Local market guides
roofing and restoration contractors funding by location
Compare local demand, operating costs, cash timing, and funding considerations in the markets where we have dedicated guidance.
Common questions
Restoration and roofing funding questions, answered straight.
The questions owners ask before they apply, answered for roofing and restoration contractors.
This is the core problem in restoration. Crews, equipment, and materials are deployed within hours of a loss while the carrier settles over 30-120 days. A line of credit or revenue-based funding covers the gap so you can take the next job.
Yes, and speed is the point. When a storm creates weeks of work, capital deployed in 24-48 hours decides how many jobs you can take before competitors arrive. Revenue-based funding is the usual tool.
Funders read deposits, so supplements count once collected. Approved-but-unpaid supplements are not deposits yet, which is exactly the gap financing is meant to bridge.
Commonly $25K-$500K on deposit volume, with more available against receivables. A documented pipeline of signed work strengthens a file.
No. Restoration revenue is event-driven and funders know it. They underwrite the trailing average across 4 months rather than expecting a flat line.
Restoration and roofing companies finance three things: the gap between storm work and insurance payment, equipment, and payroll surges. Insurance payments land after the work is done and the claim settles, which can run 30 to 90 days, while crews and materials are paid during the job. Revenue-based funding and receivables financing both bridge that gap; receivables financing advances against the claim or invoice, and revenue-based funding sizes off your deposit history. Equipment like trucks, lifts, and drying equipment is financed with the equipment as collateral. A payroll surge from a storm response is usually funded with a short-term advance. The right structure depends on whether the gap is tied to a specific receivable or spread across your normal cash cycle.
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