For U.S. roofing business owners
Line up the jobs.
Plan the cash to deliver.
Materials, crews and delivery dates need coordination before the final payment arrives. Evaluate working capital around your roofing pipeline, collection timing and weather-sensitive schedule.
Request a Capital ReviewWorking capital · Growth
Your operating cash cycle
A job calendar is also a cash calendar.
Roofing work can bring concentrated material and labor costs. Weather delays, customer deposits and payment arrangements can change the cash needed to finish a profitable job.
Book
Review scope, deposits and realistic start dates.
Stage
Plan supplier payments and material deliveries.
Complete
Allow for crew costs, weather interruptions and final inspections.
Collect
Separate expected payment from cash already received.
Put the capital to work
Start with the business need.
Tell us what the capital needs to accomplish, when the cash is needed and how your operation expects to repay it.
Stage materials
Plan purchases against deposits and agreed payment milestones.
Manage overlapping jobs
Match crew commitments to the cash each project requires.
Expand capacity
Consider vehicles, staffing and the operating cash behind a larger pipeline.
Financing fit
Evaluate the structure.
Understand the cash impact.
Working capital
Start with amount, purpose and timing, then assess potential financing against collections, existing debt and repayment capacity.
Revenue-based financing
May be considered for suitable established businesses. Evaluate total cost, payment frequency and the effect on available cash; revenue alone does not establish fit.
Receivables support
Factoring may be a secondary option for eligible business invoices. Customer quality, payment terms, disputes and contract restrictions matter.
Your roofing capital review
A clear next step.
Start with your operating needs and the sales or collections behind them.
Define the need.
Share the purpose, amount and timing of the capital.
Review the financial picture.
Consider revenue, margins, existing obligations and the collection cycle.
Identify what comes next.
An advisor can discuss potential paths and the information needed for further evaluation.
Practical questions
Before we talk.
What if collections depend on an insurance claim?
Explain the payment process and what is still uncertain. A projected claim payment should not be treated as collected cash; timing and documentation affect the financing review.
What should I prepare?
Start with recent revenue, existing financing payments, an estimated capital need and timing. A breakdown of your work mix and collection terms helps frame the conversation.
What happens after I request a review?
An advisor reviews the context you share and follows up to discuss the business need and information needed for the next step.
Plan your next business move
What would the capital help you accomplish?
Tell us about your business and the decision in front of you.