Roofing Financing:9>1.
9 Lenders.
1 Consumer Application.
1 Performance Dashboard.
Say Goodbye to Your Single Lender Pain.
The Pain
Declines are BAD for business.
Declines cost you:
Customers and Revenue
One Lender = One Answer.
Your customers span the credit spectrum, so why cater to just prime customers? This alienates customers and leaves revenue at the kitchen table.
The Customer Experience
Have you ever been declined? It's rough. Embarrassing.
Having a merchant deliver the decline or play the ‘whack-a-mole, let's try this lender now’ game is not a recipe for five-star reviews.
Time and Money
Your leads, dispatch team, and service calls all cost you time and money.
Not being able to close every customer increases your cost per lead and cost per customer and costs you the next five-star review and referral source.
For Roofing contractors · 2 minutes
What are declined applications costing your roofing company?
Enter your job size, estimates, close rate, approval rate and margin. See the jobs, revenue and profit a single lender's "no" takes off the table each month.
Approval rate
Example monthly gap
$61.7K to $72.0K
Example inputs. Estimates only; approval is never guaranteed.
Free. Headline result shows instantly.
Approval rate
Example monthly gap
$61.7K to $72.0K
Example inputs. Estimates only; approval is never guaranteed.
Representative Roofing financing options
From True 0% to HELOCs and LTOs: Experience the power of the Better Financing waterfall.
Product options drawn from the current lender programs. These are representative product examples, not case studies. Terms, approvals and fees vary by product, applicant and state, and are disclosed at time of application.
True 0% APR Promotional
- True 0% APR — not deferred interest
- Multiple promotional terms
- Zero interest to the homeowner
Standard Installment
- Risk-based APR by credit profile
- Multiple term lengths
- Soft-pull pre-qualification
- Real-time lender routing
Lease-to-Own
- No minimum credit score on qualifying installs
- Covers HVAC and water heater combos
- Routed automatically after a decline
HELOC
- Up to $750,000 for qualifying homeowners
- Currently TX, PA and FL
- More states in progress
How Roofing Financing Works
Application
One mobile-first application, under 3 minutes, soft credit pull.
Waterfall routes it
The application moves through the lender stack to the best-fit lender in real time.
Customer gets their offer
They see the best available offer for their credit profile — not a single lender's answer.
Merchant gets paid
Funding settles through the lender, tracked in one dashboard alongside every other application.
NO ANNUAL PLATFORM FEE.
NO ACCESS FEE. EVER.
Transaction-level rates and fees vary by product and are disclosed at time of application.
Free playbook · 2026 edition
Selling with Financing: The Roofing Playbook
- Word-for-word scripts your team can say at the next appointment
- Answers for "I got turned down before" and "let me think about it"
- A 30-day rollout plan and a weekly scorecard
17 pages · PDF · sent to your inbox
Roofing Financing FAQ
Can homeowners finance roof replacement after storm damage?
Yes. When an insurance payout doesn't cover the full cost, financing closes the gap without stalling the job.
What if insurance doesn't cover the full cost?
The waterfall is built for exactly this — homeowners can finance the difference between the payout and the real cost of the job, across a range of credit profiles.
What if the homeowner is declined by the first lender?
They don't stop at one no. The application routes to the next best-fit lender in the stack automatically.
Are 0% APR options available for roofing projects?
Yes — true 0% APR, not deferred interest, available across multiple promotional terms.
Is there an annual fee to offer roofing financing?
No annual platform fee, no access fee, ever. Transaction-level rates and fees vary by product and are disclosed at time of application.
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