Daily payment = (advance × factor rate) ÷ business days in term. Example: $55,000 × 1.33 factor rate = $73,150 total repayment. Over a 6-month term (~126 business days): $73,150 ÷ 126 = $580.56 per business day. For a roofing company with strong summer revenue and slow winters, verify that the slow-season months (at $12-15K deposits) can sustain a $580/day debit without consistent NSFs.
Roofing Tool
Estimate storm-season and off-season advance amounts. The critical check for roofing: can your off-season deposits sustain the daily payment?
Roofing Funding Center
Roofing timing tip: Apply 4-6 weeks after a storm event when post-storm deposits appear in your statements. Size your advance based on what your off-season deposits can sustain daily; the check above is your most important number.
Estimates only. Read the Roofing Funding Guide for insurance gap and storm season underwriting detail.
T.A.G. Business Funding
500 FICO minimum. Bank declines OK. Revenue matters more than credit score. Funding timing is set by the funding provider after review.
500 FICO minimum · $4K-$6K+/month revenue · Funding timing is set by the funding provider after review
How do I calculate the daily payment for a roofing MCA?
Daily payment = (advance × factor rate) ÷ business days in term. Example: $55,000 × 1.33 factor rate = $73,150 total repayment. Over a 6-month term (~126 business days): $73,150 ÷ 126 = $580.56 per business day. For a roofing company with strong summer revenue and slow winters, verify that the slow-season months (at $12-15K deposits) can sustain a $580/day debit without consistent NSFs.
What factor rate can a roofing contractor expect for MCA?
Roofing factor rates in 2026 average 1.33 (construction/contractor category), ranging from 1.20 for strong-credit, high-revenue files to 1.48 for newer businesses with credit challenges. Companies that have completed a prior MCA successfully typically see renewal rates 0.03-0.10 lower than their initial rate. Getting competing offers from multiple funders is the most reliable way to find the lowest available rate for your specific profile.
Does it make sense for a roofing company to take MCA to fund material purchases?
Yes, if the math works. A roofing company that needs $40,000 in materials to start a $120,000 job, where payment arrives in 6 weeks, can use MCA to bridge the gap. Cost: $40,000 × 1.30 factor = $52,000 total. Gross margin on the job: $50,000+. The $12,000 MCA cost is absorbed by the job margin and the company turns the capital over 3-4 times in a storm season. The math works when jobs are profitable and closings are predictable.
