T.A.G. Business Funding
T.A.G. Business Funding
Industry Authority Center
You completed the job in October. The insurance company pays in January. Materials, crew, and equipment didn't wait. This resource center was built for roofing contractors who operate on their timeline, not the insurance company's.
Roofing cash flow problems come from four predictable sources.
Every tool, guide, and reference built for roofing contractors and restoration companies.
The insurance payment gap problem explained, how MCA bridges storm season receivables, what underwriters look for in roofing bank statements, and how storm season deposit spikes are evaluated.
Read the Guide →Enter your active insurance claims, materials cost, and expected payment date to calculate your funding gap, recommended advance amount, and how quickly you can complete the job queue.
Open Calculator →Pre-application checklist for roofing contractors. Includes timing strategy around storm season, how to present insurance-driven deposit spikes, and what to do if your off-season statements look weak.
Get the Checklist →Storm season cash flow planning, off-season survival strategies, insurance receivables management, and how to build a financial buffer that doesn't require emergency funding every winter.
Read the Guide →How insurance-driven deposit spikes are evaluated, what factor rates roofing companies receive and why, how to improve your profile before applying, and when to apply for the best offer.
See Approval Factors →15 ChatGPT prompts for roofing contractors — insurance claim management, job costing, storm season planning, crew scaling strategy, off-season cash flow, and funding preparation.
Get the Prompts →Six steps from application to funded account. Complete timeline, document requirements, and what to expect at each stage.
See the Process →Storm-driven cash flow creates the most extreme receivables gap in any trades industry. Here's how underwriters read it.
Factor rates: 1.20–1.30 for strong profiles with consistent baseline deposits. 1.35–1.45 for storm-only revenue with little off-season activity. Apply immediately after storm season for best results.
You do the work in week one. Insurance pays in week 12. MCA fills the middle.
During steps 2–4 (Day 7 to Day 90), your money is gone on materials and labor but hasn't come back yet. An MCA advance bridges this gap immediately, allowing you to take on the next job while waiting for the previous one to pay.
Read the full Roofing Funding Guide → for a complete analysis of how to structure your funding around insurance cash flow.
One-page application. 3 months of bank statements. Decision in 24–72 hours.
500 FICO OK · No collateral · Best results: apply after storm season
Or call/text: 330-238-3003