Funding for Oklahoma City Restoration & Insurance Roofing Contractors

Oklahoma City, OK market snapshot

Source: U.S. Census QuickFacts + BLS County Business Patterns + NOAA Storm Events Database

The Oklahoma City restoration cash flow problem

OKC sits in one of the hottest hail and tornado corridors in the United States. NOAA's Storm Events Database routinely logs five to seven major hail events per season across the OKC metro, and severe-weather seasons here drive the largest insurance-restoration claim volumes per capita in the country. The work isn't the problem — the timing of the carrier check is.

On a $14,000 residential roof replacement, 60 to 90 days is normal between completion and final settlement. On a $145,000 commercial water-mitigation job, supplemental approvals and coverage disputes can stretch that to 105 to 120 days. Meanwhile crew payroll runs weekly, materials suppliers want net-30, and the next job is in the dispatch queue waiting on equipment that's still deployed on the prior loss.

Where MCA fits restoration and insurance roofing

A merchant cash advance is the purchase of a slice of future deposits — anywhere from $50K to $750K for a restoration or insurance-roofing contractor — at a factor between 1.18 and 1.40. Repayment runs as a fixed daily or weekly ACH debit, typically 6 to 10 months on deals in that size range.

Two things matter for this category. First, funders underwrite on bank deposits — which means insurance carrier ACH settlements count toward the qualifying basis, alongside any direct-pay invoice clearing. Second, capital lands in 24 to 48 hours, which matters when a storm event drops a four-week backlog on the dispatch board and crews need to scale before competitors close on the same homeowners.

Typical deal sizes for OKC contractors

A two- or three-crew insurance roofing shop pulling $120K to $250K/month in deposits typically qualifies for $80K to $200K at a 1.22 to 1.32 factor over 7 to 9 months. Useful for hail-season crew expansion, materials pre-positioning (asphalt shingle pricing routinely steps up 4 to 7% mid-season), or supplement-bridge capital on commercial jobs where carrier payment has stretched.

A larger restoration company doing $300K+/month across water/mold/fire/roofing can step into $250K to $500K positions at tighter factors (1.18 to 1.28). Standard use cases: equipment fleet expansion (industrial dehumidifiers, air movers, generators for emergency response), expanding into adjacent counties (Cleveland, Canadian, Logan), or covering crew float through an extended carrier-dispute settlement cycle.

What we look at

6+ months in business, minimum — though most OKC restoration and roofing operators we fund have 3+ seasons of operating history, which derisks the file substantially.

$20K/month in business deposits is the practical floor. Most established OKC operators clear this five times over by mid-season.

500 FICO floor on the owning contractor(s) — but for storm-restoration work, the deposit pattern from prior seasons matters more than the score.

A US business bank account with daily settlement and deposit activity. Four months of statements gives a funder a real number. No tax returns, no Xactimate report packets, no projection deck.

Why Commera

Commera is a broker, not a lender. We shop your file across a panel of MCA funders rather than locking you into the first quote. For storm-restoration files, factor spreads between funders can run 1.22 to 1.36 — on a $200K advance, that's a real $28,000 difference in total payback.

We don't charge applicants. Funder pays us when a deal closes, and that compensation is disclosed up-front on every quote. If equipment financing for a fleet expansion, or an SBA conversation for a long-horizon facility purchase, is the better path, we'll say so and route you there. That's the point of being a broker rather than a captive lender — we pick what works.

What you'll need to apply

• Four months of business bank statements (PDFs from the bank's portal — not screenshots)
• Driver's license, front and back
• Voided business check from the operating account
• EIN (sole proprietors enter SSN where prompted)

About 5 minutes for pre-qual. Full underwriting takes another 6 minutes after that.

Two recent OKC-market scenarios

Illustrative examples constructed from typical deal shapes; not actual customer files.