Commercial service agreements24/7 leak response
Four routes owners use to fund a commercial roof, and a sample estimator that turns a project budget into a monthly figure.
Enter a project amount, a term and a sample rate. This is an amortization illustration, not a loan offer, and no data leaves your browser.
Estimated monthly payment (sample)
$5,730
Payments are calculated with a standard amortization formula for illustration. Ironclad is a roofing contractor and a demo company, not a lender or a financial adviser.
Most of our clients land on one of these. The right one depends on your hold period, your capital calendar and your accountant.
The straightforward route when the roof is already in the capital plan. Progress billing is tied to measurable milestones, not to a calendar.
Best fit Owners with the budget approved this fiscal year
A term loan through a commercial lender, secured by the improvement. The most common route for owners who want the roof now and the cost spread across the asset hold period.
Best fit Single buildings and small portfolios
A lease structure that keeps cash free and ends with a nominal buyout. How it is treated on your books depends on your accounting policy, so bring your controller in early.
Best fit Owners protecting cash for other capital projects
Not financing at all, but it solves the same problem. We split a large roof into sections with warrantable tie-ins and replace it across consecutive budget years.
Best fit Large roofs with a fixed annual capital line
Same construction process, with two extra steps before the crews mobilize.
You cannot finance a number you do not have. We survey the roof and issue a written proposal with line-item inclusions and exclusions.
Purchase, loan, lease or phasing. We lay out the sample monthly figures next to the cash number so the comparison is honest.
Lenders typically ask for two years of financials, an entity summary and our proposal. Decisions commonly land in a few business days (sample timeline).
Funds are usually disbursed to progress billings, so you are never paying for work that has not happened yet.
Punch walk, manufacturer inspection, warranty registration and the O and M binder. Payments continue on the schedule you signed.
If an infrared scan shows the insulation is mostly dry and the membrane is still attached, a restoration coating can add ten to twenty years for roughly half the cost of replacement. That is often the difference between a capital project and a maintenance line item.
What owners ask before they bring a lender or a controller into the conversation.
No. We are a roofing contractor, not a lender. We introduce you to commercial lenders that fund roofing work and we provide the documentation they ask for. Terms, rates and approval are entirely between you and the lender.
The figures on this page are samples for illustration only. Real pricing depends on your credit, the entity, the term and market conditions at the time. Ask the lender for a written quote before you plan around a number.
Often yes. Rolling several years of preventive maintenance into the financed amount keeps the roof under a documented program, which most manufacturer warranties require anyway.
That depends on your hold period and how the loan is structured, which is a question for your accountant and lender. What we can tell you is that a new roof with a transferable NDL warranty tends to survive diligence better than a patched one.
Storm claims and financing frequently combine: insurance covers the damage scope and financing covers upgrades such as added insulation, tapered drainage or a better membrane. We keep the two scopes clearly separated on the proposal.
A written proposal with line-item scope is what every lender asks for first. The roof survey is free.
Free roof survey · Written proposal in 5 to 7 business days (sample)
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