Roofing MCA applications need a one-page signed business application and the six most recent consecutive complete BUSINESS bank statements (all pages, non-redacted). The full six-month window lets a reviewer see both your storm-season peak and your off-season floor, which is what actually shapes the offer. Government ID and a voided business check come after approval, not before.
Roofing Tool
Roofing Funding Checklist
Roofing-specific checklist: storm season timing, insurance pipeline details, and the critical off-season payment check. * = required.
Work through sections 1-4 below before you sign anything. Section 5 covers the application itself.
1
Required Documents
Core docs plus roofing contractor license and storm pipeline info.
Bank Statements
6 consecutive months of business bank statementsAll pages, non-redacted, from your primary business checking account. Insurance payments, homeowner checks, and commercial client payments need to land here: a reviewer looking at a personal or mixed-use account cannot verify true business revenue.
Off-season explanation letter (if any month under $15K)If any month shows very low deposits, explain in 2-3 sentences: "December is our slow month. Storm season (June through October) averages $85,000 a month. Current signed pipeline: $420,000 in storm restoration work."
Business & License Documents
Business licenseState or local business registration.
Roofing contractor license (state-issued)Required for roofing industry applications. Have your license number, state, and expiration date ready.
Certificate of insurance (COI)Your own liability coverage, not a homeowner's claim. Not always required upfront, but some providers ask for it before finalizing larger advances.
Collected After Approval, Not Needed to Start
Valid government-issued photo IDRequested from all owners with 20%+ interest once a funding provider approves the file. Not part of the initial application.
Voided business checkUsed to set up ACH payment after approval. Not part of the initial application.
Storm Pipeline Documents (Helpful)
Summary of signed storm restoration contractsIf you have a backlog of signed jobs with insurance approvals, a summary (number of jobs, estimated total value, percent with approved claims) significantly strengthens off-season applications.
Insurance approval letters or adjuster reportsNot required, but can demonstrate confirmed future revenue for applications where current statements don't fully reflect the storm pipeline.
Most recent business tax returnMay be requested for advances over $100,000. Shows annual revenue capacity beyond a single 6-month window.
2
Bank Statement Health Check
Roofing-specific: storm spikes, off-season floors, and payment sustainability.
Roofing Note: Underwriters see two things in roofing statements: (1) the storm season spike that qualifies you for the advance, and (2) the off-season floor that determines whether the daily payment is sustainable. You need both numbers.
Calculate storm season 6-month average depositsYour peak deposit months define your maximum advance amount. What were your average monthly deposits in your last 3 storm-season months?
Calculate off-season 6-month average depositsWhat do your slowest 3 months show? This determines whether the daily payment is survivable during winter. Use the roofing calculator off-season check.
Confirm no zero-deposit months in your 6-month windowA month with $0 in deposits is a near-automatic decline. If you have zero-month periods, maintain some baseline activity (maintenance, repairs, commercial work) year-round.
Count NSFs across all 3 statementsTarget: 0. NSFs from insurance payment gaps are understandable but still count against you. 3+ NSFs in any month = significant rate penalty or decline.
Identify existing MCA daily paymentsCount all regular ACH debits from existing MCAs. More than 2 active positions is a serious red flag for roofing contractors, especially approaching off-season.
Verify all insurance and homeowner payments deposit hereACV checks, supplement payments, final RCV payments, and homeowner direct payments must all flow through the primary business checking account.
Storm-season roofing work moves fast. Get the paperwork and bank statement window right before you are mid-repair, not during it.
3
Storm Season Application Timing
The right application window can be the difference between a real offer and a small, expensive one.
Critical: Applying before a storm season (no deposits yet) or in the off-season (post-pipeline) produces a tiny offer at a high rate. Apply 4-6 weeks into active storm deposits for the best window.
Confirm you have at least 4 weeks of post-storm deposits in your statementsDon't apply in week 1 after a storm: deposits haven't arrived yet. Don't apply in month 5 after a storm: the spike has left your 6-month window. Apply when the spike is in your most recent 1-2 months.
Remember the storm date is not the deposit dateAn adjuster inspection, ACV/RCV split, and mailing time usually put 2-5 weeks between a storm event and the first claim check hitting your account. If you're counting weeks from the storm itself rather than from your actual deposit dates, you can misjudge which window you're really in. Look at your statement dates, not your job calendar.
Note your current signed job count and insurance pipeline valueInclude this in your application: "We currently have 38 signed storm restoration contracts totaling $850,000. 24 have approved insurance claims. We expect 80% to close in the next 60-90 days."
Label large insurance deposits in your written explanationA single large ACV or RCV check looks unusual to a reviewer who has never seen a roofing file before. Say plainly which deposits are insurance claim payments, roughly which job they belong to, and whether it's an ACV, RCV, or supplement payment. That context is what turns an unexplained spike into verified backlog revenue instead of a red flag.
If applying off-season: include prior storm season bank statement summaryPull your storm season statements from the prior year as supplemental documentation. Not always accepted as the primary basis for the offer, but context helps a reviewer understand your business cycle.
The off-season is where a payment plan actually gets tested. Check it against your slowest months, not your best storm month.
4
Off-Season Payment Sustainability
The most important check for roofing contractors. Do this before signing.
The Roofing MCA Danger Zone: Taking a large advance during storm season, then facing winter with $400/day payments and $10,000/month in deposits. This is how roofing contractors end up in a stacking spiral. Check this before signing anything.
Calculate your daily payment using the roofing calculatorUse the Roofing MCA Calculator. Enter your storm season deposits AND your off-season deposits. The off-season check tells you whether the payment is safe during winter.
Verify daily payment is under 80% of your off-season daily depositsIf your off-season deposits average $15,000/month ($682/day), your daily payment should be under $545/day. If it's higher, size the advance smaller or extend the term to reduce daily payment.
Consider a shorter term if your pipeline closes quicklyIf your storm jobs will all close in 60-90 days (insurance checks all arrive), a 3-4 month term at a higher daily payment may repay completely before off-season. This avoids the low-payment-survival problem entirely.
Do not take more than 2 concurrent MCA positionsMultiple MCAs during storm season means multiple daily payments during off-season. Size your single advance appropriately rather than stacking multiple smaller ones.
If your whole 6-month window is soft, size to your floor, not your peakA single storm spike inside an otherwise slow year is different from a business that runs thin every month. If your off-season isn't one bad quarter but your normal pattern, the honest move is to request an amount your slowest months can actually carry, even if that number is smaller than what your peak month alone might qualify for. A smaller advance you can pay through winter beats a larger one you have to refinance in December.
5
Application Day & Post-Approval
Submit during storm season for maximum offer.
Complete application with storm pipeline contextBusiness name, EIN, contractor license, time in business, average monthly deposits (use storm season average), desired amount, and use of funds (materials, crew, insurance bridge, etc.). Include pipeline summary.
Submit before noon for same-day reviewStorm season is peak application season for roofing. Submit early for same-day processing.
Be available by phone 10am-4pmReviewers may ask about your storm market, insurance claim pipeline, or off-season activity.
After signing, funds deposit and ACH setup begins, with exact timing set by the funding provider. Monitor your off-season balance closely and contact your funder before any anticipated shortfall.
Checklist Done? Apply Now.
Storm season is your best window. Act while your statements are strong.
✓ No obligation✓ Soft pull to start✓ Free to apply✓ Bank declines welcome
500 FICO minimum · $4K-$6K+/month revenue · Funding timing is set by the funding provider after review
Frequently Asked Questions
What documents does a roofing contractor need for MCA?
Roofing MCA applications need two things to start: a one-page signed business application, and the six most recent consecutive complete BUSINESS bank statements, all pages, non-redacted. Personal or mixed-use accounts do not qualify. Because roofing revenue swings hard between storm season and the off-season, the full six-month window is what lets a reviewer see both your peak and your floor, and that is what actually shapes the offer. A roofing contractor license is sometimes requested for larger advances. Government-issued ID and a voided business check are collected after approval to finish setting up the file, not before.
Should a roofing company apply for MCA before or after a storm event?
Before the storm (ideally). Applications submitted before peak season result in: (1) higher qualifying revenue based on trailing 12-month average rather than a single storm spike; (2) lower factor rates because you are not in distress; (3) faster decisions because you are not competing with hundreds of other storm-damaged business emergency applications. Proactive capital access is always cheaper than emergency capital access.
How long does it take a roofing company to get MCA funding?
Typical timeline: application (10-15 min) → provider decision → signing and closing → funds in account, on the provider’s timeline. A roofing contractor who applies Monday morning and submits clean bank statements typically has funds by Wednesday afternoon. Faster review is available with some providers for clean files, typically at a higher cost.
