Funding for Orlando Restoration & Insurance Roofing Contractors

Orlando's restoration market runs two tracks

The residential side mirrors any Florida market — hurricane response, hail, fire, water mitigation, with the same carrier-cycle timing that's gotten meaningfully slower since AOB reform and the post-2022 reinsurance reset.

The commercial side is what makes Orlando different. Hotels, vacation rentals, condo associations, and theme-park-adjacent properties cannot afford to be offline. When something breaks — water damage, storm impact, fire — the property manager needs the contractor on-site that day with everything pre-staged. The work happens. Then the contractor waits 60 to 90 days for the insurance check while crew, materials, and equipment are already out of pocket.

How MCA covers the gap

A merchant cash advance is structured as the purchase of future deposits, not a loan. Factor rates 1.15 to 1.45, repaid via small daily or weekly ACH debits until the obligation is met. No balloon, no prepayment penalty.

For a restoration shop, the math is direct: borrow against the next six to nine months of receipts at a known factor, fund the next job, recycle when the carrier check clears. Used right, MCA is a working-capital tool — not a debt instrument.

Numbers we see in the Orlando market

A two-crew mitigation operation pulling $80K to $130K monthly in deposits typically qualifies for $50K to $100K. Factor 1.25 to 1.35, repayment over six to ten months.

Commercial-leaning general contractors running $250K+/month can step into $150K to $400K positions at tighter factors (1.20 to 1.28). Common use: pre-funding a multi-property hotel response where the property manager needs work started before the carrier's adjuster has even visited the site.

The honest part

Not every restoration shop should take an advance. If your last three months of deposits are uneven because the work itself is uneven (active storm season followed by a dead month), that's normal — but stacking advances during the active season and then carrying the daily debit through the dead month destroys margin.

The right MCA position is sized to your average month, not your best month. We'll run the math with you. If a deal doesn't fit, we'll say so.

Why Commera

Commera is a broker. Your file goes out to our funder panel and we bring back the best offer instead of locking you to one quote. For Orlando contractors with seasonal commercial work, the right funder weighs that pattern correctly instead of penalizing the soft months.

We don't charge applicants. If your file works better as equipment financing for that new truck-mount extraction unit or as a real-estate-secured product for the shop expansion, we'll route you accordingly.

What you'll need to apply

• Three 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.