Roofing and concrete are two of the most material-heavy trades in construction — and two of the hardest to bank when credit is bruised. A shingle order or a ready-mix pour has to be paid before the check ever comes. Funded Contractor Capital funds roofing and concrete contractors on FICO 500-650, so bad credit does not keep your crews off the roof or the pour on hold.
Why roofing and concrete get hit hardest by material timing
These trades carry a brutal front-load. A roofing crew needs shingles, underlayment, and metal on site before day one, often at material-supplier terms that are COD or net-15. Concrete is worse in one way: ready-mix is perishable, so you cannot pre-buy — you pay for each pour as it happens, plus rebar, forms, and pump time. The money goes out the door long before the draw or final invoice comes back.
How bad credit compounds the squeeze
When a roofer or concrete contractor has a 550 FICO, suppliers tighten terms — less credit, more COD. That flips more of your material cost to upfront cash exactly when you can least afford it. Banks will not bridge it because of the same score. The result: you turn down a re-roof or a foundation pour you are perfectly capable of doing, purely on timing. That is the gap Funded Contractor Capital fills.
Mobilization and material-deposit funding, explained
Mobilization capital covers the cost of starting a job before you collect: the first material order, the deposit a supplier wants, the crew for week one. For roofing that is often a full shingle-and-underlayment package; for concrete it is rebar, forms, and the first pours. Funded Contractor Capital sizes an advance to your bank flow and backlog so you can lock in materials and put crews to work.
- Roofing: shingle, metal, and underlayment packages; tear-off crew payroll; dumpster and equipment
- Concrete: ready-mix and pump scheduling, rebar and forms, finishing crews
- 500+ FICO accepted — funded on the job, not the score
Realistic amounts and cost for these trades
A residential roofing outfit running $70K/month typically qualifies for $50K-$150K — enough to float several jobs’ worth of materials at once. A commercial concrete contractor doing $250K/month can see $250K-$700K for larger pours and mobilization. Pricing is a factor rate, not a bank APR; it pencils when the advance lets you take a job you would otherwise pass on or run more crews in a short season.
Timing it to the weather and the season
Roofing and concrete both live and die by season — a dry stretch or a warm window is when you make your year. Mobilization funding lets you say yes to back-to-back jobs during peak weeks instead of stretching one job’s payment to fund the next. Apply with three months of statements and your active job list; keep NSF events low and balances up for 30 days first to maximize your approval.
Storm and insurance work: the roofing-specific cash trap
Roofers who chase storm and insurance restoration face a cash trap concrete crews do not. On an insurance re-roof you tear off, dry-in, and complete before the carrier releases the claim — and the homeowner’s deductible plus depreciation holdback can delay the final check by weeks. You have fronted a full shingle package and crew payroll against a payment the insurer controls. With a 550 FICO, a bank will not bridge that, so roofers either turn down volume after a hail event or float it on cards.
Mobilization funding closes that trap: an advance covers materials and tear-off crews across several claims at once, and repays as the carrier checks land. It is what lets a bad-credit roofer scale into a storm season instead of being capped by cash. Concrete contractors hit a parallel version on large commercial pours, where the pour schedule runs weeks ahead of the pay application — same fix, same funding.
Frequently asked questions
Can a roofing company with bad credit get funded for materials?
Yes. Funded Contractor Capital funds roofing contractors at FICO 500+ for shingle and material packages, tear-off crews, and mobilization. Approval is based on your bank deposits and backlog, not your credit score.
Do you fund concrete contractors for ready-mix and pours?
Yes. Concrete contractors qualify for advances covering ready-mix, rebar, forms, pump scheduling, and finishing crews. Because ready-mix is pay-as-you-pour, mobilization funding is one of the most common concrete use cases.
How much can a roofing or concrete contractor get?
Amounts scale with revenue: roughly $50K-$150K for a $70K/month roofer, and up to $250K-$700K for larger concrete firms. Funded Contractor Capital funds $25K to $5M overall.
How fast can I get material money before a job starts?
Decisions in about 4 hours and funding within 4-24 hours of approval — fast enough to lock in a material order or mobilize a crew this week.