Financing

A new roof, solar system, or full exterior refresh is usually the second or third biggest investment a homeowner makes in a property, behind only the home itself and maybe a kitchen remodel. Paying cash is great when it works. When it doesn’t, the right financing program can bridge the gap without turning a smart investment into a stretched budget. We work with three financing partners who specialize in home-improvement lending — Pure Financial, Service Finance Company, and Slice — and we match the program to the project and to your financial picture, not the other way around.

Why Contractor-Arranged Financing Usually Wins

Before you reach for a credit card, a HELOC, or a personal loan, look at what home-improvement-specific lenders offer. Three reasons dealer-arranged financing often beats the alternatives:

• Better rates than personal loans or credit cards. Home-improvement lenders price their programs around contractor volume, not individual credit-card risk. The advertised APR is usually meaningfully lower than what you’d get walking into a bank cold.
• Promotional 0% financing on qualifying projects. Same-as-cash windows of 12 to 24 months are common on roofing, siding, and solar when the project and borrower both qualify. Pay the principal during the window and you’ve borrowed at zero cost.
• No home equity required. These are unsecured home-improvement loans, not second mortgages. Your home isn’t collateral, the loan doesn’t sit behind your first mortgage, and there’s no title work or closing process.
• Fast approval. Most applications are approved within the same day, often within minutes. Compare to HELOC origination timelines that can run 3 to 6 weeks.
• Funds pay the contractor directly. No money moves through your checking account or gets co-mingled with anything else — the lender disburses to us on project milestones and your payment schedule starts when work begins.

Our Three Financing Partners

Pure Financial

Pure Financial is our day-to-day workhorse for roofing, siding, and exterior projects. Programs span short-term same-as-cash windows (typical 12- to 24-month promotional periods) through long-term fixed-rate loans (typical 5- to 15-year terms). Useful when you want predictable monthly payments and don’t need the lowest possible rate on the market. Same-day approvals are common, and approval limits run from a few thousand dollars up into the six figures for well-qualified borrowers.

Service Finance Company

Service Finance Company (SFC) is one of the largest home-improvement lenders in the country and a long-tenured partner for solar and larger-ticket exterior projects. SFC’s underwriting tends to approve stronger credit profiles at more competitive long-term rates, and the online application is quick. SFC is a good fit when your project is in the $25,000+ range and you want the best possible fixed-rate structure with terms out to 15 or 20 years.

Slice

Slice is our newest finance partner and tends to be the most flexible on credit thresholds and project types. Particularly useful on storm-claim bridge situations — where you need to start work now and are waiting on insurance reimbursement to close the gap — and on smaller-ticket repair work where a traditional lender wouldn’t make the math work. Slice also offers combined roof-plus-solar packages that can simplify financing when you’re doing both in the same project.

Which Program Fits Which Project

• Standard roof replacement (asphalt, metal, tile) — Pure Financial on short-term promo or mid-term fixed rate is usually the cleanest. Service Finance if the project is $30K+ and rate matters more than speed.
• Solar PV system (with or without battery) — Service Finance is typically the first look on larger solar projects. Slice is a strong alternative when bundling solar with other work.
• Tesla Solar Roof — Service Finance’s long-term fixed-rate programs match the project profile well. Tesla’s own financing is also available as a comparison; we’ll give you both quotes.
• Siding, windows, paint, gutter, and exterior refresh — Pure Financial covers most of this cleanly with same-as-cash promotional windows.
• Storm-claim bridge — when the insurance claim is approved but payment is weeks or months out and you need to start work, Slice fills the gap. Once the insurance payment arrives, you can pay down the loan without prepayment penalty (on programs that allow it).
• Small-ticket repair work — Slice tends to be the most flexible on amounts under $10,000.

How the Application Process Works

• We write the estimate first. You need a real project scope and price before any financing conversation makes sense. We walk the property, document what’s needed, and write an itemized estimate.
• You pick the program. We’ll walk through the current rate offers from each partner and show you monthly payments at different terms. No pressure on any particular path — if cash or a HELOC you already have beats the financing option, we’ll tell you so.
• Online application. Five to ten minutes, basic financial information, soft or hard credit pull depending on the partner. Most approvals come back within minutes to a few hours.
• You sign the loan docs, we schedule the work. Loan docs are electronic, funds flow directly from the lender to us on project milestones, and your payment schedule starts per the program terms.
• No hidden dealer fees. The price we quoted is the price you pay — we don’t mark up financed projects vs. cash projects, and we’ll show you our cost structure if you ask.

Insurance Claim Coordination

Most of our storm-damage work is paid by the insurance carrier, not by the homeowner — but there are two common scenarios where financing still helps:

• Deductible financing. The carrier pays the claim; you still owe your deductible (typically $1,000 to 2 percent of your insured value on Colorado hail-country policies, which can run $5,000 to $15,000). Short-term financing on just the deductible keeps the out-of-pocket manageable.
• Recoverable depreciation bridge. On replacement-cost policies, the carrier pays actual cash value up front and holds back recoverable depreciation until work is complete. That gap can be 20 to 40 percent of the total. Financing the gap lets us complete the job on schedule while you wait for the depreciation payment.

Solar & Tax Credit Considerations

The federal 30% solar Investment Tax Credit (ITC) applies to both cash and financed solar installs, and most solar loans from our partners are structured around the assumption that you’ll receive and apply the ITC refund against the loan principal within the first 12 to 18 months. If you apply the ITC as a principal payment during a re-amortization window, your monthly payment drops to reflect the lower balance. Check with your tax professional before you finalize anything — we’re happy to share how the finance programs are structured so your accountant can make the call.

Important Disclosures

All financing is subject to credit approval and program terms in effect at the time of application. Advertised rates and promotional windows change; we’ll give you the current terms from each partner in writing before you apply. Roof Technologies is a contractor — not a lender — and we don’t make lending decisions, set rates, or service loans. Final loan terms, APR, and payment schedules come from the financing partner you choose. Read the loan agreement before signing, and ask us any question that isn’t clear.

Start Your Application

The first step is a real estimate. Call us, walk the property, and get a written scope and price in hand — then we’ll walk through the current finance options so you can pick what fits.

Call 855 ROOF-001, email info [at] rooftechnologies.com, or request an estimate through our contact form to get started. Mention financing in the notes and we’ll line up the partner programs alongside the project scope.

Still have questions? Contact us