MCA for roofing contractors 2026 — the merchant's funding guide.

The 60-second answer

If you run a licensed roofing business doing $60K–$250K/month in deposits, have been operating for 24+ months, and have a 580+ FICO with a clean contractor license, you can almost certainly get funded in 2026 — typically at a 1.30–1.38 factor on a 9–12 month daily-ACH term. The fundable amount usually lands at 0.8–1.2x your monthly deposits, conservatively sized for seasonality.

The two things that move your rate down: at least 30% commercial maintenance or recurring retail revenue (not 100% storm-chase), and a clean separation between operating account and project-specific escrow flows. The two things that move your rate up: aged insurance receivables over 120 days, and any open contractor-board complaint or BBB complaint cluster.

Why roofers are a unique MCA category

Roofing is the most cyclical construction trade, and funders treat it accordingly. Three factors drive the underwriting:

• Seasonality is severe. Most roofers do 60–70% of annual revenue in the May–October window. Daily-ACH coverage in January and February is the #1 default cause for roofing MCAs. Quality funders size the advance to coverable winter cash flow, not summer peak.
• Storm-chase concentration risk. Roofers who operate primarily on storm restoration have revenue tied to weather events — a mild hail season can drop their revenue 50%+ year-over-year. Funders haircut storm-heavy files.
• Insurance-claim receivable risk. Insurance-paid roofing jobs can sit 90–180 days between job completion and check arrival. Funders ask about your A/R aging — if you have a lot of paper aged over 90 days, your fundable amount drops.

Realistic factor rates by tier

Three tiers of roofing MCA pricing, based on real 2026 quotes:

• A-paper roofer (5+ years operating, 650+ FICO, $120K+ monthly deposits, blended commercial/retail/insurance book, no prior MCA, clean license): 1.24–1.30 factor on 12-month daily ACH. Funders: Forward Financing, CFG Merchant Solutions, Credibly premium tier.
• B-paper roofer (24–60 months, 580–650 FICO, $60K–$150K monthly, healthy mix, maybe one prior paid-off advance): 1.32–1.40 factor on 9–12 month term. Funders: Credibly standard, Reliant Funding, Mantis Funding, Rapid Finance, Greenbox Capital.
• C-paper roofer (under 24 months OR 500–580 FICO OR currently stacked OR <$50K monthly OR 100% storm-chase): 1.42–1.50 factor on a 6–9 month term, often a smaller advance ($25K–$60K). Choose funders very carefully — roofing collections at this tier are aggressive.

The bank-statement story that gets you funded

Underwriters look at 6–12 months of business bank statements for roofers — longer than most trades because of seasonality. Here's what they want:

What they want

• Coverable winter months. Even at 40% of summer revenue, your winter months should show positive ending balances and zero NSF. Underwriters specifically check Jan–Feb.
• Supplier ACH to familiar names. ABC Supply, Beacon Roofing Supply, SRS Distribution, GAF, CertainTeed, Owens Corning. Recurring debits to these names tell underwriters you're a real working roofer.
• Insurance-claim deposits clearly labeled. Memo lines like "State Farm claim #" or "Allstate claim #" are far better than generic "deposit" memos. Underwriters can verify the cycle.
• Retail-financing deposits visible. Recurring deposits from GreenSky, Hearth, Service Finance, or Synchrony tell a story of a working consumer-financing channel — quality funders love this.
• Payroll on a real schedule. Weekly payroll runs (most roofing crews are paid weekly during season) with consistent amounts. Heavy cash withdrawals replace this story poorly.

What kills the deal

• NSFs in winter months. A roofer with NSFs in January is telling underwriters they can't cover daily ACH in the slow season. Near-instant decline at A-paper funders.
• Open contractor-board complaints or BBB complaint cluster. Roofing has high consumer-complaint volume. Funders pull state license and BBB records. Open disputes pause deals.
• Mechanic's liens against you. Subs or suppliers with open liens against your business will kill the deal at quality funders.
• Aged insurance receivables >120 days. If your A/R aging shows heavy concentration in 120+ day buckets, underwriters read it as collection risk on real revenue.
• Stacking signatures. Two or more concurrent MCA daily debits trigger automatic decline at most quality funders. Roofing stacking is especially dangerous because of seasonality.

Which funders actually like roofers

Based on 2026 placement data:

• CFG Merchant Solutions — strong roofing appetite, especially on established commercial roofers. Conservative on storm-chase concentration.
• Forward Financing — willing on A-paper roofers with blended books. Fast funding, good reconciliation policy if a hail season is mild.
• Credibly — broad roofing appetite across A and B paper. Publishes a prepayment discount schedule — useful because insurance checks often clear in lumps that let you prepay.
• Mantis Funding — solid B-paper roofing appetite. Reasonable reconciliation for seasonality.
• Greenbox Capital — willing on B and lower B paper roofers. Smaller advance sizes, faster decisions.

Funders to be cautious with for roofers: anyone aggressively quoting under 1.22 on a first roofing MCA (bait-and-switch — roofing rarely prices that low on a first deal), anyone who sizes the advance based on peak summer months instead of trailing 12-month average, and any broker who pushes you to apply before the next storm system rolls through (urgency manufacture).

How much you can actually get

The fundable-amount formula most quality funders use for roofers:

• First position: 0.8–1.2x monthly deposits using trailing 12-month average (not peak summer), capped at $500K for most single-entity roofers, $1M+ for multi-crew operations with audited financials.
• Second position (if allowed): 0.3–0.4x monthly deposits — quality funders frequently decline roofing stacks because seasonality compounds collection risk.
• Renewal: Most funders renew at 50%+ paid-down. The renewal advance is typically the original + 15–25% if the file has aged across at least one winter.

A $120K/month roofer should target a $100K–$140K first-position advance, not $250K. An oversized advance creates a daily-ACH burden that breaks coverage in February and starts the storm-chase / stack / default spiral that ends in business closure.

What to do before you apply

Five steps that materially improve your rate and approval odds for roofers:

• Reconcile your last 12 months of statements. Cover at least one full winter cycle. Find every NSF and tie it to a specific revenue gap.
• Pull an A/R aging report. Even a simple spreadsheet listing each open insurance claim, age, and expected close will dramatically improve your underwrite.
• Verify your license and BBB record. Pull your state contractor board record and BBB profile. Surprise findings during underwriting kill roofing deals more often than any other trade.
• Document your revenue mix. "40% retail residential financed through GreenSky, 30% insurance restoration, 20% commercial maintenance, 10% new construction" underwrites far better than vague descriptions.
• Get clear on use of funds. "Pre-season material buy for confirmed spring backlog," "payroll bridge before three insurance checks clear in 45 days," "marketing for storm-season geo-targeting" all underwrite well. "Working capital" doesn't.

The honest tradeoff

An MCA is expensive money. For a roofer, a 1.32 factor on a 12-month term works out to roughly 50–60% APR-equivalent. That's the cost of speed and flexibility — no collateral, no tax-return underwriting, no 30–60 day LOC setup, funding usually in 1–3 business days.

For a confirmed-ROI use (pre-season material buy for a real backlog, payroll bridge before known insurance checks clear, equipment for a new crew that unlocks more contracts), the math often works. For "smoothing out a slow winter," it absolutely doesn't — that's how roofers end up stacked by April and out of business by July.