Roofing contractors have more financing program options than almost any other trade. GreenSky built much of its early market share in roofing. Service Finance runs dedicated roofing programs. EnerBank is especially popular for storm restoration scenarios. And Hearth has been expanding aggressively into roofing with a subscription model that works differently from the per-transaction platforms.
If you are a roofer or roofing company trying to figure out which financing platform actually makes sense for your business in 2026, here is a full breakdown of what each one offers, what it costs you, and where each one wins.
Why Roofing Financing Matters More Than Ever in 2026
The average roof replacement nationally runs somewhere between $11,500 and $15,000, with a 30-square replacement coming in around $30,680 in 2025 based on industry data from roofing cost trackers. Material costs rose an additional 8 to 15 percent in late 2025 and early 2026 following tariff impacts on imported steel, aluminum, and Canadian softwood. Metal roofing was hit hardest, up 12 to 18 percent year over year.
As job prices go up, the cash barrier goes up with them. And only 9 percent of homeowners currently say they use contractor-offered financing when hiring for roofing projects, according to homeowner payment preference surveys. Forty percent use credit cards. Thirty-one percent write checks. The gap between where homeowners are and where contractor financing could serve them is large.
Contractors who offer financing close 30 to 50 percent more jobs overall, according to industry data. A $14,250 job closed after a 5% dealer fee beats a $15,000 job you lose to a competitor who made the payment conversation easier.
Hearth for Roofing
Hearth explicitly lists roofing as a supported trade. Their network of 18 plus lenders can finance roofing projects from $1,000 to $250,000, which covers everything from minor repairs to full premium replacements and beyond.
Key specs:
- FICO minimum: 550
- Loan maximum: $250,000
- APR range: Starts around 7.99 percent depending on credit profile
- Dealer fee: $0 per transaction (annual subscription model)
- Annual cost: $1,499 to $4,999 per year depending on plan
- Payout: 2 business days
For high-volume roofing contractors, Hearth’s subscription model saves significant money compared to per-transaction platforms. At $50,000 in annual financed volume with a 5% dealer fee alternative, you would pay $2,500 in fees. Hearth Pro costs $1,799. The savings compound as volume grows.
GreenSky for Roofing
GreenSky is the most widely used financing platform among roofing contractors by market penetration. It has deep roots in the industry through manufacturer partnerships and has been the default for many roofing companies for years.
Key specs:
- FICO minimum: Approximately 600 (not officially published)
- Loan maximum: Up to $100,000
- APR range: 0 to 29.99% depending on product
- Dealer fees: 0 to 26.6% per transaction depending on product type
- Annual cost: None
- Payout: 2 business days
GreenSky works fine for roofing companies that do low to moderate financing volume and do not want an annual commitment. The per-transaction model costs more at high volume but nothing at low volume. The regulatory history (CFPB consent order, $9 million in customer refunds, Trustpilot score of 1.6 out of 5) is worth considering when evaluating long-term partnership risk.
Service Finance Company for Roofing
Service Finance is the preferred platform for roofing contractors who want to offer the most aggressive promotional 0% APR programs. They are rated best-in-class for promotional variety and serve roofing explicitly alongside HVAC, plumbing, and windows.
Key specs:
- FICO minimum: Approximately 580
- Dealer fees: 1.25 to 24% depending on product
- 0% APR promotions: Available up to 24 months
- Loan amounts: Varies by product
- Best for: Promotional rate variety, lower credit score acceptance
Service Finance charges dealer fees on a per-transaction basis. The 0% promotional products carry higher fees (10 to 15 percent range), but for roofing companies that actively use promotional financing in their sales pitch, Service Finance has among the most flexible promotional product sets in the industry.
EnerBank (Regions Home Improvement Financing) for Roofing
EnerBank is especially strong for storm restoration scenarios. Their standout product is the Zero Interest Loan, a true fixed 0% APR product where no interest accrues during the loan term. This is different from deferred interest products. If the homeowner still has a balance at the end, they only owe interest going forward, not retroactively on the original balance.
Key specs:
- FICO minimum: Not publicly disclosed; reports 80% approval rate
- Dealer fees: 0 to 16.4% depending on product
- 0% ZIL product: True fixed 0% for term length
- Annual cost: None
- Owned by Regions Bank: Strongest institutional backing of any major contractor financing platform
For storm restoration, the ZIL is a natural fit. When a homeowner’s insurance pays for most of the roof but they have a $2,500 deductible and want to upgrade materials, a 0% financing product that covers that out-of-pocket cost with clean equal payments is easy to present. Note that contractors cannot legally pay or waive insurance deductibles. What financing covers is the homeowner’s legitimate out-of-pocket obligation.
Side-by-Side Roofing Financing Comparison
| Platform | FICO Min | Max Loan | Fee Structure | Best For |
|---|---|---|---|---|
| Hearth | 550 | $250,000 | $1,799/yr, $0 per job | High volume, lower credit customers |
| GreenSky | ~600 | $100,000 | 0 to 26.6% per job | Volume flexibility, HVAC integration |
| Service Finance | ~580 | Varies | 1.25 to 24% per job | Promotional 0% APR variety |
| EnerBank | Not disclosed | Varies | 0 to 16.4% per job | Storm restoration, ZIL 0% product |
What Top Roofing Contractors Actually Do
The most effective roofing companies typically use two or three financing platforms in rotation rather than committing exclusively to one. The pattern looks something like this:
- Primary platform: Hearth or GreenSky for standard jobs where credit is decent and the homeowner wants straightforward installment financing
- Storm restoration platform: EnerBank’s ZIL product for deductible and upgrade financing on insurance jobs
- Backup for declines: Service Finance for customers who do not qualify with the primary platform but fall in the 580-620 range
Running multiple options increases overall approval rates and ensures you have a product for most credit profiles you will encounter. A homeowner who does not qualify through one platform still has options rather than a flat no.
The Financing Conversation in Roofing Sales
Roofing is often a distress purchase. The homeowner is not excited about it. They are dealing with a problem they did not plan for. The last thing they want to hear is a large total price with no flexibility on payment.
Introducing financing early in the conversation changes this dynamic. “Most of our customers pay monthly rather than all upfront. Let me show you both ways of looking at the cost.” This one sentence makes the conversation feel collaborative rather than transactional.
A $15,000 roof at $300 a month for 5 years at a modest rate is a decision most homeowners can make. A $15,000 check is a decision a much smaller number can make comfortably.
With only 9% of roofing customers currently using contractor-offered financing, the opportunity in this trade is significant. The contractors who build financing into their standard pitch are capturing the 91 percent of homeowners who are not using it yet.
Ready to See If Hearth Makes Sense for Your Business?
Hearth gives contractors access to 18 plus lenders at a flat annual rate with no per-job dealer fees. If you finance more than $36,000 in projects per year, the math almost always works in your favor.