Roofing contractors / Refinance

Already carrying an advance? What a roofing contractor can do about daily debits.

First and second position funding, buyouts of balances up to $100,000, and what the daily-to-weekly change does to your cash flow.

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How roofing contractors end up with more than one advance

At Merchant Fund Express, we publish the terms and thresholds behind this page so you can check your own numbers before you apply.

Storm season produces the stack: one advance for a material surge, another to cover payroll until insurance payouts arrive. Then the weather clears, work slows and the daily debits keep coming.

In plain terms: a storm-season advance taken before insurance payouts arrived, followed by a second to cover the gap.

What can be done

First and second position are both funded. Existing positions with a balance of $100,000 or less can be bought out into a weekly-payment term loan or a line of credit, and a line of credit up to $350,000 can sit in second position behind an existing advance. Up to two current positions fit the written guidelines, and some agreements restrict new financing, so read yours first. See MCA refinance and second position funding.

Daily versus weekly, on a roofing contractor numbers

An illustration, not an offer. Say a roofing contractor with about $100,000 in monthly revenue has a remaining advance balance of $48,000, being collected over about 60 business days:

Item	Illustration
Daily debit (60 business days)	$800
Debited in a 21-day month	$16,800 (17% of monthly revenue)
The same balance as a weekly payment over about 9 weeks	$5,333
Terms of a new schedule	Set in your offer; a lower payment over a longer term is the goal

Use the payoff calculator with your own balance.

What to line up first

List which open balances were for storm jobs and when insurers pay

Include supplier balances that have accumulated alongside

Ask for weekly payments that fit the post-storm lull

Disclose every open position on the application; it shows on your statements either way.

Roofing contractors: the full industry guide — Cash flow, calendar and every funding page for this industry.

MCA refinance — Buyouts, second position and the weekly alternative.

Second position funding — More capital without disturbing the first.

Renewals — When a paid-down balance opens better terms.

Existing positions and stacking — How funders read open positions.

Revenue-based financing for roofing contractors — Payments that follow sales.

Common questions

Can a roofing contractor get more funding while carrying an advance?

Often. Roofers with documented jobs and steady deposits fit up to two positions. Large insurance payouts should be visible in the account to help the file. Merchant Fund Express shows the exact amount, schedule and total cost in your offer before you sign.

Can an existing advance be bought out?

Where your file and your agreement allow it, balances of $100,000 or less can be bought out into a weekly-payment term loan or line of credit.

Second position or a renewal?

Second position is a new agreement behind the existing one, so you make both payments. A renewal is more funding from the funder you already have, with one payment.

See what you qualify for

Apply with Merchant Fund Express: same-day decision, and applying takes a few minutes without affecting your credit score.

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