Funding for Tampa Restoration & Insurance Roofing Contractors

The Florida insurance reality has changed

Tampa Bay restoration and roofing contractors are running into a cash flow shape that didn't exist five years ago. AOB reform, the carrier-of-last-resort shift, post-2022 reinsurance pricing — Florida carriers move slower and pay tighter than they used to.

You do the work. The mitigation, the tarp, the tear-off, the underlayment, the new shingle. Then you wait 60, 90, sometimes 120 days for the supplement to clear. Meanwhile crews need paying every Friday and supplier accounts run net-30.

How MCA covers the gap

A merchant cash advance is structured as the purchase of future deposits, not a loan. Factor rates run 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 straightforward: 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 Tampa market

A two-crew tarp and tear-off operation pulling $90K to $150K monthly in deposits typically qualifies for $50K to $120K. Factor 1.25 to 1.35, repayment over six to ten months.

Larger general contractors running $300K+/month can step into $200K to $500K positions, often at tighter factors (1.20 to 1.28) because volume and history show up in the underwriting. Common use: pre-funding labor and materials on a multi-property hurricane response before the first carrier check lands.

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 the first quote. For restoration contractors, where deposits can swing three times seasonally, the funder you fit best with depends heavily on how each one weights consistency versus volume.

We don't charge applicants — we're paid by the funder when a deal closes. If your file works better as equipment financing for that new dump truck or a real-estate-secured product for the office 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.