Roofing MCA Calculator — Estimate Advance & Daily Payment

Roofing Funding Center

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Your Roofing Business

Storm Season Monthly Deposits (your peak)

What do your best 3 months of statements show per month? This is your qualification window.

$85,000 /month (storm peak)

Off-Season Monthly Deposits (your floor)

What do your slowest winter/off-season months show? Critical for payment sustainability.

$18,000 /month (off-season)

Desired Advance Amount

Auto

Factor Rate

1.26

Term Length

Application Window

Offer Scenario

Conservative (75%)

NSFs, off-season window

—

Standard (100%)

Average storm window profile

—

Strong (150%)

Active storm, 0 NSFs, no stacking

—

Your Estimate

Estimated Advance
$85,000
Standard (100%) storm window

Daily Payment

$814

/business day

Total Payback

$107,100

Cost: $22,100

Monthly Payment

$17,908

(22 days × daily)

Payback Timeline

6 mo

132 business days

Off-Season Payment Check

Daily payment $814

Off-season avg daily deposits $818

Off-season payment ratio 99.5%

Your off-season deposits can cover the daily payment.

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.

Ready to Apply?

Your estimate: $85,000 advance · $814/day

Apply Now →

Roofing MCA Sizing Guidelines

Apply during storm season — Use storm-season statements to qualify for the largest advance. Wait 4–6 weeks after the first post-storm deposits for the best window.
Size to off-season floor — The advance amount should produce a daily payment your off-season deposits can survive. The off-season check above is your most important output.
Avoid stacking — Multiple MCA positions with off-season approaching is the most dangerous position a roofing contractor can be in. 1–2 positions maximum.
Storm-only businesses — If your off-season deposits are near zero, size your advance so that your MCA will be 80%+ repaid before off-season begins using storm-season payment volume.

Estimates only. Read the Roofing Funding Guide for insurance gap and storm season underwriting detail.