Sales · August 10, 2026 · 11 min read · By BJ, Nashville TN Roofer & Founder

Financing Options for Roofing Customers: Complete Guide

Financing closes more deals. Here are the best options for roofing customers.

Financing Options for Roofing Customers: Complete Guide 💳

Financing closes deals that would otherwise walk. When a homeowner says "I need to think about it," they often mean "I don't have $12,000 sitting around." Offering payment options turns hesitation into signed contracts.

Why Financing Matters

Studies consistently show that contractors offering financing close 15–30% more jobs. The roof still needs replacing—financing just removes the affordability barrier.

The math: If you close 2 additional jobs per month at $10,000 average because you offer financing, that's $20,000/month in additional revenue. The financing program cost (typically 3–8% of the financed amount) is far outweighed by the incremental business.

Option 1: Third-Party Financing (Recommended for Most)

Partner with a financing company that underwrites and services loans. You get paid in full when the job is complete. The homeowner makes monthly payments to the lender.

Top providers for roofing contractors:

GreenSky: One of the largest home improvement financing platforms. Offers 0% promotional periods, which are highly attractive to homeowners. Merchant fee: 4–7%.

Mosaic: Strong in renewable energy/solar but offers general home improvement loans. Good rates and terms.

Hearth: Aggregates multiple lenders to present homeowners with the best options. Easy application process for contractors.

EnerBank (now Regions): Long history in roofing financing. Multiple loan products including same-as-cash options.

How to get set up:

1. Apply as a contractor/merchant with your chosen provider
2. Undergo a background and license check
3. Receive training on presenting financing to customers
4. Start offering at every estimate

Option 2: PACE Financing (Property Assessed Clean Energy)

PACE programs allow homeowners to finance certain home improvements through property tax assessments. Repayment is added to the property tax bill.

Works best for: Energy-efficient roofing (cool roofs, solar, impact-resistant products) where the home qualifies under PACE criteria.

Not available everywhere: Check availability in your state.

Advantages: No impact on credit score for qualification, long repayment terms (5–25 years), transferable when home is sold.

Option 3: Home Equity Products

Some homeowners prefer to use their home equity. While you don't control this process, you can mention it as an option:

• Home Equity Line of Credit (HELOC): Variable rate, flexible draws
• Home Equity Loan: Fixed rate, lump sum
• Cash-out refinance: Wraps project cost into mortgage

These options have lower interest rates than personal loans but take longer to process (2–6 weeks).

How to Present Financing in Your Estimate

The key is to present monthly payment alongside the total price—not as a backup option but as the primary framing:

> "For a project like this, your total investment is $11,400. Most of our customers choose to finance through our partner—that breaks down to about $189 per month for 72 months. Would you prefer to pay in full or take the monthly option?"

Key principles:

• Present financing early, not as a fallback
• Lead with the monthly payment, then reference the total
• Make it feel like a standard option, not a favor
• Have the application link ready on your phone

Handling the Interest Objection

Some customers object to paying interest. Your response:

> "That's fair. Our 0% for 18 months option means you pay no interest if you pay it off within 18 months. Some customers pay in full before the promotional period ends. Would that work for you?"

Or: "The cost of waiting for a roof that needs replacement can be higher than the interest—water damage and emergency repairs cost more."

Financing is one of the highest-ROI tools in your sales kit. Combine it with fast satellite estimates from Squares For Sales and you can go from lead to approved financing proposal in under an hour. Start your free trial today.

Related Guides

• Roofing Customer Objections Guide — Financing overcomes the #1 price objection.
• How to Price Roofing Jobs 2026 — Present monthly payments alongside total price.
• Roofing Website Conversion Tips — Mention financing on your website to boost conversions.
• Roofing Business Scaling Guide 2026 — Financing accelerates business growth by closing more deals.

*Written by BJ — Nashville roofer, founder of SquaresForSales.com, and dad who'd rather be home for dinner than on a ladder at 5pm.*