Roofing MCA AI Prompt Pack

I'm a roofing contractor who was offered an MCA. My statements include storm season deposits. Before I accept, I need to verify I can make payments through my off-season. My storm season (current statements): - 3-month average deposits: $[STORM_AVG]/month - MCA offer: $[OFFER_AMOUNT] - Factor rate: [FACTOR_RATE] - Estimated term: [TERM_DAYS] business days - Calculated daily payment: $[DAILY_PAYMENT] My off-season reality: - Off-season monthly deposits: $[OFF_SEASON_MONTHLY] - Off-season months: [MONTHS] (e.g., November–March) - Monthly overhead: $[MONTHLY_OVERHEAD] - Off-season avg daily deposits: $[OFF_SEASON_MONTHLY] ÷ 22 = $[CALCULATE] Calculate: 1. My daily payment as % of off-season avg daily deposits 2. Whether I can sustain payments through [MONTHS] 3. Maximum safe advance given my off-season baseline (daily payment ≤ 60% of off-season daily avg) 4. Recommended counter-offer amount 5. If I accept the full offer, in what month will I likely have a payment failure?

I'm taking an MCA advance during storm season. I need to build a reserve to cover MCA payments during my off-season when deposits are low. My situation: - MCA daily payment: $[DAILY_PAYMENT] - Off-season months (when deposits may not cover payment): [MONTHS] - Off-season monthly deposits: $[OFF_SEASON_DEPOSITS] - Monthly overhead (non-MCA): $[OVERHEAD] Calculate: 1. Monthly shortfall during off-season (MCA payment + overhead - off-season deposits) 2. Total reserve needed to survive the full off-season 3. How much of my storm season revenue I should transfer to a dedicated reserve account 4. Weekly transfer amount to build this reserve before off-season arrives 5. The exact date I should stop transferring (when reserve is fully funded)

Model the cash flow for my current storm job pipeline from materials purchase through final insurance payment. My pipeline: - Number of storm jobs under contract: [COUNT] - Total contracted value: $[TOTAL_VALUE] - Average job value: $[AVG_VALUE] - Average ACV (first insurance check): $[ACV_AVG] per job - Average supplement (if applicable): $[SUPPLEMENT_AVG] per job - Average ACV-to-ACV timeline: [WEEKS] weeks from signed contract Material costs: - Average material cost per job: $[MATERIAL_COST] - When I order materials: [TIMING] (e.g., immediately on signed contract) - When I pay supplier: [PAYMENT_TERMS] Labor: - Average labor cost per job: $[LABOR_COST] - When I pay crew: [PAYMENT_TIMING] Build a week-by-week cash flow model showing my account balance if all jobs close normally, with: 1. Initial cash needed to start the pipeline 2. Maximum cash exposure (lowest point before ACV checks arrive) 3. When cash position turns positive 4. Final pipeline cash position when all jobs are complete

Calculate how much working capital I need to bridge the gap between when I pay for materials/labor and when I receive insurance payments. My typical job timeline: - Day 0: Storm event — homeowner contacts me - Day [X]: Contract signed - Day [X]: Materials ordered and delivered - Day [X]: Installation complete - Day [X]: Final inspection / certificate of completion - Day [X]: ACV check received from insurance - Day [X]: Depreciation holdback released (if applicable) - Day [X]: Supplement check received (if filed) My typical job: - Contract value: $[VALUE] - ACV (first payment): $[ACV] - Materials cost: $[MATERIALS] - Labor: $[LABOR] - ACV-to-supplement gap (if any): [WEEKS] weeks for $[SUPPLEMENT] With [COUNT] active jobs at various stages, calculate: 1. Maximum simultaneous capital exposure 2. How much of that I currently have covered 3. The capital gap that MCA would need to fill 4. Right-sized advance for this pipeline level

I've been offered a large MCA advance based on my storm season deposits. Help me determine the safe maximum given my off-season baseline. Offer details: - Advance offered: $[OFFER] - Factor rate: [FACTOR_RATE] - Daily payment: $[DAILY_PAYMENT] My revenue profile: - Storm season monthly deposits: $[STORM_MONTHLY] - Off-season monthly deposits: $[OFF_SEASON_MONTHLY] - Off-season months per year: [COUNT] - Monthly overhead (payroll, truck, insurance, etc.): $[OVERHEAD] My actual need: - Materials for current pipeline: $[MATERIALS_NEED] - Labor bridge: $[LABOR_NEED] - Other working capital: $[OTHER_NEED] - 15% buffer: [calculate] Calculate: 1. My actual capital need (vs. what was offered) 2. Maximum safe advance based on off-season sustainability (daily payment ≤ 60% of off-season daily average) 3. Recommended advance amount (minimum of: actual need, off-season max) 4. How much of the offer to decline/negotiate 5. What I should say to the lender when negotiating down

Help me create a professional insurance pipeline summary to attach to my MCA application. This document shows lenders my committed forward revenue. My current pipeline: Job 1: - Address: [ADDRESS] - Insurance carrier: [CARRIER] - Contract value: $[VALUE] - ACV approved: $[ACV] - Supplement pending: $[SUPPLEMENT] (if applicable) - Expected close date: [DATE] Job 2: - Address: [ADDRESS] - Insurance carrier: [CARRIER] - Contract value: $[VALUE] - ACV approved: $[ACV] - Supplement pending: $[SUPPLEMENT] - Expected close date: [DATE] (Add additional jobs as needed) Total pipeline value: $[TOTAL] Expected cash flow in next 60 days: $[60_DAY_EXPECTED] Format this as a clean 1-page pipeline summary table that I can attach to my MCA application to demonstrate committed forward revenue.

Storm season is ending and I need to plan the transition to off-season without a cash crisis. Help me build the plan. Current situation: - Current monthly deposits: $[CURRENT_DEPOSITS] (storm season) - MCA daily payment (if active): $[DAILY_PAYMENT] - Current account balance: $[CURRENT_BALANCE] - Remaining storm jobs to close: [COUNT] jobs worth $[REMAINING_VALUE] Expected transition timeline: - Off-season begins: [MONTH] - Expected off-season monthly deposits: $[OFF_SEASON_DEPOSITS] - Monthly overhead (payroll, vehicles, insurance, etc.): $[OVERHEAD] Build a month-by-month plan from now through [FIRST_OFF_SEASON_MONTH] covering: 1. Cash position each month as storm pipeline closes 2. Reserve transfer schedule (how much/when) 3. Month when I should stop taking on new jobs and focus on close-out 4. Minimum balance needed entering [FIRST_OFF_SEASON_MONTH] 5. Whether to pay down MCA early with final storm payments