Core docs plus roofing contractor license and storm pipeline info.
Bank Statements
3 consecutive months of business bank statementsMost recent 3 months from primary business checking. All insurance payments, homeowner checks, and commercial client payments must deposit here — not personal accounts.
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–October) averages $85,000/month. Current signed pipeline: $420,000 in storm restoration work."
Business & License Documents
Voided business checkFor ACH daily payment setup.
Valid government-issued photo IDAll owners with 20%+ interest.
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.
Storm Pipeline Documents (Helpful)
Summary of signed storm restoration contractsIf you have a backlog of signed jobs with insurance approvals, a summary (# of jobs, estimated total value, % 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 3-month window.
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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 3-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 3-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 3-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, homeowner direct payments — all must flow through the primary business checking account.
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Storm Season Application Timing
The right application window amplifies your offer by 2–4x.
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 3-month window). Apply when the spike is in your most recent 1–2 months.
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."
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, but context helps underwriters understand your business cycle.
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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 = multiple daily payments during off-season. Size your single advance appropriately rather than stacking multiple smaller ones.
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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–4pmUnderwriters may ask about your storm market, insurance claim pipeline, or off-season activity.
After signing: funds deposit 24–48 hours. ACH setup begins 1–2 business days after funding. 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.
T.A.G. Business Funding