Tampa, FL · Restoration & Insurance Roofing
Funding for Tampa Restoration & Insurance Roofing Contractors
Bridge the gap between job complete and the insurance check. Soft credit pull, 24–48 hour funding.
By Filip Kozina · Co-Founder, Commera Funding
Reviewed May 21, 2026
Tampa, FL market snapshot
400K / 3.2M
City / Tampa Bay metro
~825
Hillsborough Co. roofing/restoration firms
~10,000
Tampa Bay trade employment
Source: U.S. Census QuickFacts + BLS County Business Patterns
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
- 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 Tampa Bay-market scenarios
Post-tropical-storm subdivision response
Two-crew Tampa residential roofer, 6 years operating, $115K/month average deposits. Tropical storm in September brought a coastal Pinellas subdivision 14 tarp-and-mit jobs in 10 days, projected scope ~$240K in carrier work. Took a $100K advance at 1.28 factor, 8-month repayment. Used $60K for material (synthetic underlayment, shingles, drying equipment), $30K for crew + subcontract float, $10K reserve. Carrier checks landed staggered from week 7 through week 13; position closed three weeks early.
Commercial condo association response
Mid-size general contractor serving south Hillsborough and Pinellas, $325K/month average deposits, residential and commercial mix. Won the tear-off and re-roof on a 48-unit beachfront condo HOA after a late-summer storm event. Total contract: $310K, HOA paying in two milestones at net-60. Took a $200K advance at 1.22 factor over 9 months. Deployed $140K for material, $50K for crew, $10K for permitting and inspection float. First HOA milestone cleared at week 6, second at week 13 — position was past halfway by milestone 2.
Illustrative examples constructed from typical deal shapes; not actual customer files.
Common questions from Tampa, FL owners
How quickly can I get funded after a major storm hits Tampa Bay?
Typically 24 to 48 hours from when we have your four months of business bank statements and the standard application docs. We can run the file in parallel with you starting mitigation work, so the capital is in your account by the time materials need ordering.
I have a supplement pending with my carrier — can I borrow against it?
Not directly via MCA. MCAs underwrite your business deposit history, not specific receivables. If your file is heavy on insurance AR, we'll route you toward an AR-financing partner instead — different product, different fee shape, often the right fit for restoration shops.
My deposits are uneven because Florida storm seasons are uneven — is that disqualifying?
No. Funders expect seasonality in restoration. The right position is sized to your average month, not your peak. We'll model both scenarios with you before you sign — if a deal looks tight in a slow season, we'll say so.
See your offers in 24 hours.
Three quick questions, then we shop your file across our funder panel and bring back the best terms.
Looking for the full Restoration & Insurance Roofing overview? See our restoration & insurance roofing funding guide.