Funding for your situation
How a roofing company with several advances can see the combined debit, what restructure options exist and what they change, with a worked example.
✓ Checking what you qualify for does not affect your credit score.
The first step with stacked advances is to see them as one number. Storm season and summer carry volume; winter can be slow. A roofing company with several positions needs the combined debit measured against an average week, not a good one.
Merchant Fund Express is a funding marketplace: you apply once, and the file is matched to the structure that fits it. The sections below show what this situation usually costs, how a funder reads it, and what to prepare.
Deposits are paid in stages: material deposit, mid-job and final payment, often after an insurer approves. A reviewer sees that pattern in the statements before reading a word of the application.
Equipment is part of the picture. A failure such as a dump trailer or a truck repair can run $4,800 to $4,800 and interrupt revenue while it is down.
The documents that usually matter most for a roofing company are a signed job contract or estimate and a material supplier quote, alongside the bank statements.
Storm season and summer carry volume; winter can be slow. For a roofing company, that rhythm decides when a funding request reads best and how it should be repaid.
These are the same factors described on revenue and deposit requirements and time in business. Merchant Fund Express walks you through how your own file reads before you apply.
| Item | Illustrative amount |
|---|---|
| Advance A, taken for truck and trailer (weekly debit, illustrative) | $1,000 |
| Advance B, taken for a dump trailer (weekly debit, illustrative) | $500 |
| Advance C, taken for crew payroll and materials float for the first jobs (weekly debit, illustrative) | $500 |
| Combined weekly debit | $2,000 |
| Average weekly deposits at a roofing company (illustrative) | $6,500 |
| Combined debit as a share of weekly deposits | about 31% |
How this is read. A funder looks at the combined debit, the negative days and the average daily balance. For a roofing company, storm season and summer carry volume; winter can be slow. Replacing several positions with one payment is what a MCA buyout or MCA refinance is built to do, when the balances and the file allow it.
Source: worksheet by Merchant Fund Express. Illustrative only: these figures are not an offer, and real amounts depend on your file and the funder.
Balance, debit size and payment history for each, including what each was taken for: truck and trailer, a dump trailer or cash flow.
The single number that matters most.
Deposits are paid in stages: material deposit, mid-job and final payment, often after an insurer approves.
The payment shape and term, not the amount owed.
A complete file is what makes a same-day decision possible. If something is missing, tell us and we will work around it.
Sometimes. A MCA buyout for positions with balances of $100,000 or less, a refinance or reverse consolidation may fit, depending on the file. Merchant Fund Express will say plainly which apply.
No. It changes the payment shape and term. Always compare the new total with what is left on the old positions.
There is no single number. It depends on the combined debit and how the account behaves. See existing positions and stacking.
The minimum FICO is 500, and better credit means better products and terms. See credit score requirements for how the tiers work.
Merchant Fund Express gives a same-day decision on a complete file. Applying takes a few minutes and will not affect your credit score.
