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Roofer Funding Playbook

Storm pipeline, off-season sustainability, insurance gaps, and advance sizing strategy.

Jump to: Danger Zone Warning · Off-Season Check · Pipeline Docs · Advance Sizing

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MCA Calculator
Off-season sustainability check built in
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Application Checklist
Storm pipeline docs included
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Approval Factors
Off-season risk as primary factor
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AI Prompt Pack
Pipeline docs + off-season modeling
Chapter 1

The Roofing MCA Danger Zone

Storm deposits inflate your average monthly deposits to $150K–$250K+. An underwriter will offer you 100–150% of that — potentially $150,000–$375,000. The daily payment on that advance: $1,200–$3,000/day. Your off-season deposits: $8,000–$15,000/month = $400–$680/day. Do the math — this advance will fail within 60–90 days of off-season arriving.

This is not a hypothetical. It is the most common failure pattern for roofing contractors with MCA. The offer looks reasonable (it's only 100% of your average), but the average is driven by storm months that are not your baseline reality.

The Fundamental Rule

Size your advance based on your off-season baseline revenue — not your storm season peak.

Chapter 2

The Off-Season Sustainability Formula

Run This Check Before Accepting Any Offer

  1. Calculate your off-season average monthly deposits: $[OFF_SEASON_MONTHLY]
  2. Divide by 22 business days = off-season avg daily deposits: $[DAILY]
  3. Divide the proposed daily payment by your off-season avg daily: [DAILY_PAYMENT ÷ OFF_SEASON_DAILY] = [RATIO]
  4. If ratio ≤ 0.60 = Safe | 0.60–0.80 = Tight | 0.80–1.20 = Dangerous | > 1.20 = Do not accept

Reserve Fund Formula

If you accept an advance during storm season, build a reserve fund before off-season arrives:

Reserve needed = (monthly overhead + daily MCA payment × 22) × off-season months − expected off-season deposits

Transfer this amount to a dedicated savings account during your final peak month before off-season begins.

Chapter 3

Insurance Pipeline Documentation

A 1-page insurance pipeline summary can significantly improve your offer. Here is the format:

Job AddressInsurance CarrierACV ApprovedSupplement (if any)Expected Close
123 Oak StState Farm$18,500$4,2003/15/26
456 Elm AveAllstate$22,000Pending3/28/26
Total Pipeline$44,700+
Attach this summary to every MCA application. Include only jobs with signed contracts and ACV approval letters. "Verbal approvals" don't count as pipeline documentation.
Chapter 4

Safe Advance Sizing for Roofers

Your safe advance maximum is the smaller of:

If the lender offers more than either of these, counter with a specific lower number and explain why. A good funder will respect this — it shows you understand your own cash flow.

Saying "I'd like $75,000 instead of the $200,000 you offered because my off-season deposits average $12,000/month and I need my daily payment sustainable through March" is exactly the right conversation to have. It protects you and signals professionalism to the funder.

Apply With the Right Advance Size

Run the off-season check in the calculator first. Then apply with pipeline documentation attached.

Apply Now → Off-Season Check First