Frequently Asked Questions

 National Claims Funding (NCF) is a specialized finance company that provides immediate liquidity to contractors and professionals operating in the property damage insurance claim ecosystem. We purchase unpaid receivables and advance labor and material capital so clients can maintain cash flow and scale operations without waiting months for insurance carriers or mortgage companies to issue payments.

 No. NCF is not a lender. Our funding is structured as an asset purchase (purchasing your accounts receivable) or a non-recourse capital advance against approved project scopes. Because it is a sale of an asset rather than a loan, it adds zero debt to your balance sheet.

 We offer flexible funding solutions across the entire insurance claim industry:

• Restoration & Emergency Service Contractors: Water mitigation, mold remediation, roof tarping, emergency board-ups, structural drying, and contents manipulation.
• Roofing & Rebuild Contractors: Upfront labor and material capital for approved scopes, withheld depreciation, and mortgage draw delays.
• Public Adjusters (PAs): Contingency fee funding for claims in active  litigation.

1. Account Setup: 1 to 2 business days.
2. Underwriting Review: 1 to 2 weeks for portfolio review and verification.
3. Disbursement: Next-day wire funding upon final approval.

• Approved Scope Program: Designed for situations where coverage is open and the scope of work is approved, but funds are delayed due to withheld depreciation checks, mortgage company draw schedules, or carrier processing backlogs. We advance upfront capital specifically for labor and material costs so you can pay your crews, build the job, and lock in the customer immediately.
• Rapid Start Program: Designed for situations where coverage is open, but the final scope is still actively being negotiated. This provides the capital needed to mobilize crews and begin work without waiting for negotiations to wrap up.

 Our Claims-to-Cash Program is designed for completed emergency services (water damage, mold, tarping, shrink wrap, board-ups). Instead of waiting 60 to 180 days for insurance payments, contractors receive upfront cash for their completed work. NCF takes over the entire collection process with the insurance company, allowing contractors to re-invest in their business immediately. We offer multiple funding structures (including fixed-fee advances and direct buyouts) to suit your cash flow goals.

• Immediate Cash Flow: Access cash quickly for completed work or upcoming builds to pay crews, order materials, and scale operations.
• Zero Debt: Capital advances are asset purchases, keeping your balance sheet clean and preserving your existing credit lines.
• 100% Non-Recourse Risk Protection: We assume the collection risk so you can focus on winning more jobs.

 Stop letting insurance delays and mortgage draw holds stall your growth. Contact National Claims Funding today to find the right program for your business!