Roofing Contractors

Q: I have insurance restoration AR pending. Can BDA factor in incoming payments?

Yes. We don't request the AR itself u2014 that stays in your operating account u2014 but the program design accounts for incoming insurance receivables. Lumpy revenue patterns are common in roofing files; the program structure accommodates them rather than ignoring them.

Hail hits. Phones light up. You staff up, buy material, dispatch crews. Then the insurance carriers take 90 days to pay and your subs need money Friday. The MCA covered the storm. Now the storm's over and the daily ACH is still hitting.

Hardship hook

Roofing has the most extreme cash flow swing of any trade BDA works with. A storm-driven season can produce more revenue in 90 days than the rest of the year combined. Insurance restoration jobs pay 60-120 days out. Materials, labor, dump fees, equipment rental, all cash up front. The math forces working capital decisions weekly during peak season. MCA brokers target roofing aggressively because they understand the seasonality and the insurance lag. The first advance handles a storm. The second handles the next one. The third arrives because the first one's daily ACH didn't end when the season did. By 14 months in, you're stacked across three or four advances and the next slow stretch is going to break the business. You're not the only roofing contractor in this position. BDA has worked with hundreds of roofers since 2015.

How roofing contractors get trapped

Three drivers push roofing into stacked MCAs harder than most trades:

Insurance restoration billing lag. Hail and storm restoration jobs are largely insurance-paid. Carriers take 60-120 days, sometimes longer for disputed claims. You finish the job, your crew gets paid weekly, materials get paid in 15-30 days, and the check arrives a quarter later. The MCA covers the gap.

Seasonal revenue concentration. In most US markets, roofing concentrates 60-80% of revenue into 4-5 months. The off-season carries fixed costs, equipment, insurance, license renewals, base payroll, with little revenue. The MCA from peak season carries through off-season. Then peak hits again and you stack a second.

Materials cost volatility. Asphalt shingle prices swing with oil and natural gas. Metal roofing costs follow steel commodity markets. A bid locked at one price gets executed at another. The MCA covers the spread. Then the spread keeps widening.

What starts as a $60K storm-bridge advance becomes a $250K stack across multiple lenders within 18 months. Cash flow's broken; the business isn't.

What BDA does

BDA settles MCA debt for roofing contractors directly with the funders. We negotiate balance reductions, structure a single monthly payment that fits your seasonal cash flow, and stop the daily ACH drain on day 1.

Typical roofing file: $150-280K total enrolled across 3-5 lenders. Daily drain reduced from $500-800/day to a monthly program payment in the $3,000-5,000 range. Total payback approximately 50-65% of enrolled debt over 24-36 months, inclusive of program fees. We can structure heavier program payments during peak season and lighter ones during shoulder months, most MCA lenders accept seasonal program structure when documented properly.

You stop the daily drain on enrollment day. We handle the lender contact, documentation, negotiation. You go back to running crews and chasing storm work.

Eleven years doing this work. Over $500 million in commercial debt settled for service-based businesses since 2015. 4.9 out of 5 on Trustpilot. 4.9 on Google reviews. We've negotiated with every active MCA lender, we know which ones move quickly, which require multiple rounds, and what realistic numbers look like for roofing contractors specifically. We don't promise outcomes, we tell you the realistic settlement range for your specific lender mix on the first call.

In default / served

Already in default? Bounced ACH, locked-out account, demand letters arriving? You're in the same spot as roughly 25% of BDA's roofing clients. Default doesn't disqualify you from settlement, in many cases it makes settlement more accessible because the lender's collection prospects look worse than your settlement offer.

If you've been served with a lawsuit, a confession of judgment filing, or a restraining notice on the bank account: BDA coordinates with our attorney network to defend the legal action while we negotiate the settlement on the rest of the debt stack. Same firm, same intake, same timeline, legal coverage layered in for the lender that filed.

The clock matters. Most states give 20-30 days to respond to a civil complaint. If you've been served, call BDA the same week. We'll tell you what we're seeing on the filing and what your realistic options look like.

You don't need a separate MCA defense lawyer plus a settlement firm. You need both functions handled together so the legal posture and the settlement posture are aligned. That's how BDA structures legal-stage cases.

vs consolidation

A consolidation loan replaces stacked MCAs with one new debt. New debt requires personal guarantees, often a UCC-1 filing, plus origination fees and interest. If you're stacked at high factor rates, consolidation can lower the monthly payment, but total payback usually equals or exceeds the original.

Settlement is different. BDA negotiates each existing MCA balance DOWN, not refinanced. You don't take on new debt. No new origination fees. No fresh personal guarantee. No new UCC.

Consolidation works if your factor rates are reasonable and your personal credit is strong enough to qualify. Settlement works if you're stacked, the daily drain is killing seasonal cash flow, or you've already missed payments.

Free 15-minute consultation with BDA. We'll tell you which path fits your situation honestly, even if the answer isn't us.

Frequently asked questions

My roofing business is heavily seasonal. Can the program handle that?

Yes. Roofing program payments are typically structured around peak/off-peak revenue. Heavier payments during storm and peak season, lighter ones during winter or rainy stretches. Most MCA lenders accept seasonal program structure when BDA presents documented multi-year revenue patterns showing the seasonality.

I have insurance restoration AR pending. Can BDA factor in incoming payments?

Yes. We don't request the AR itself, that stays in your operating account, but the program design accounts for incoming insurance receivables. Lumpy revenue patterns are common in roofing files; the program structure accommodates them rather than ignoring them.

One of my MCA lenders has a UCC-1 on my dump trucks. Does settlement release that?

Yes. UCC-1 release is part of every settled agreement BDA structures. Once the settled amount is paid in full per the agreement, the lender executes a UCC release on the listed collateral. BDA tracks UCC release on every file.

I have a confession of judgment on file from a New York-based MCA. Does that change anything?

It changes the timing pressure. New York COJs after the 2019 reform restricted out-of-state filing, meaning many older COJs may be challengeable on jurisdictional grounds. BDA's attorney network reviews COJ situations during legal-stage assessment. Settlement work continues on remaining debts in parallel. Bring the COJ documentation to the consultation.

Free 15-minute consultation

Stop the daily drain on advances that are killing your roofing business. Schedule a free 15-minute consultation with a BDA settlement specialist. You'll get: a clear read on your specific lender mix, the realistic settlement range for your file, a timeline to stop the daily ACH, and honest next steps, whether you enroll with BDA or not. No upfront fees. No obligation. 100% confidential. Call (877) 817-0404 or schedule online.