For most roofing contractors in 2026, Hearth is the strongest overall financing program: a flat subscription from $1,499 per year, zero dealer fees, and approvals down to a 550 FICO. GreenSky fits low-volume shops that want no annual commitment, Service Finance wins on 0% promotional variety, and Regions Home Improvement Financing (the platform formerly called EnerBank) is still the storm restoration specialist. The right pick comes down to your financed volume and how you sell.
Key takeaways
- Hearth charges no per-job dealer fees; plans run $1,499 to $4,999 per year, and the math beats a 5% dealer fee once you finance roughly $36,000 per year.
- GreenSky was sold by Goldman Sachs to a Sixth Street-led consortium in March 2024 and keeps its per-transaction model, with dealer fees that can pass 20% on promotional products.
- EnerBank no longer exists as a brand: it is now Regions Home Improvement Financing, still active in 2026 and still offering its true 0% Zero Interest Loan.
- Service Finance, owned by Truist Bank, lists dealer fees from 1.25% to 24% across 50+ loan products and remains the promotional-rate specialist for roofing.
- Contractors who present financing at the point of sale close 20 to 35 percent more jobs than price-only quoters, per SubcontractorHub's 2026 contractor financing data.
The four programs at a glance
| Program | FICO minimum | Max loan | Cost to you | Best for |
|---|---|---|---|---|
| Hearth | 550 | $250,000 | $1,499 to $4,999/yr, $0 per job | Steady volume, wider credit range |
| GreenSky | Not published (low 600s commonly cited) | ~$100,000 | Per-job dealer fees, some above 20% | Low volume, no annual commitment |
| Service Finance | Not published | Varies by product | 1.25% to 24% per job | 0% promo-driven sales pitches |
| Regions (formerly EnerBank) | Not published | Varies by product | Per-job dealer fees by product | Storm restoration, true 0% ZIL |
How we chose
Our roofing financing comparison covers the four platforms roofers actually run into: Hearth, GreenSky, Service Finance, and Regions Home Improvement Financing. We compared each on published pricing, credit floor, fee structure, loan ceilings, ownership stability, and fit for the two jobs roofers sell most: retail replacements and insurance restoration. Numbers come from vendor pricing pages, CFPB records, review platforms, and press releases, checked in July 2026. Where a program does not publish a number, we say so instead of guessing.
What changed since you last looked
Ownership moved under three of these four programs, and that matters when you are picking a long-term partner. GreenSky completed its sale from Goldman Sachs to a consortium led by Sixth Street (with KKR, Bayview, and CardWorks) in March 2024, per Sixth Street's announcement. EnerBank, bought by Regions Bank for $960 million in 2021, has been fully folded into the Regions brand: the EnerBank name is gone, but Regions still runs contractor home improvement financing in 2026 and publishes contractor-facing guides on it. Service Finance has sat inside Truist Bank since its $2 billion acquisition in 2021. Hearth remains an independent fintech operating a lender marketplace rather than lending itself.
Why it matters: a program backed by a bank or large investor group is less likely to vanish mid-season, but transitions can also bring product and fee changes. If a rep quotes you terms from an old EnerBank rate sheet, ask for the current Regions version.
Hearth: best overall for roofing contractors
Hearth wins for most roofing companies because its cost is fixed while everyone else's scales with your revenue. Instead of lending directly, Hearth connects your customer to a network of 18+ lenders, so one application produces multiple offers.
Best for: roofers financing more than about $36,000 per year who see mixed credit profiles.
Pros:
- Zero dealer fees: the quoted price is the price you collect
- 550 FICO floor, lower than any competitor here, with loans from $1,000 to $250,000 per Hearth's pricing page
- Multiple offers per application, which lifts approval odds on marginal credit
- Quotes, contracts, and payment tools bundled into the subscription
Cons:
- The subscription ($1,499 Essentials, $1,799 Pro, $4,999 Elite per year, plus a $99 setup fee per Capterra's 2026 listing) is due whether you finance anything or not
- No merchant-subsidized 0% promo products like Service Finance runs
- Lender rates start near 4.99% APR but climb steeply for weak credit
One concrete number: on a $15,000 roof, a competing platform's 5% dealer fee costs you $750. Do that 30 times a year and you have paid $22,500 in fees against Hearth's $1,799 Pro plan. We break down the full trade-level fit in our Hearth guide for roofing contractors.
GreenSky: best if you finance only a few jobs a year
GreenSky remains the most widely used point-of-sale platform in roofing by installed base, with a merchant network above 10,000 contractors according to Sixth Street's acquisition materials. Its per-transaction model means a slow financing year costs you nothing, which is exactly the profile where it beats Hearth.
Best for: roofing companies financing under roughly $30,000 per year, or shops that refuse annual commitments.
Pros:
- No annual fee, no subscription, pay only when a customer finances
- Deep bank funding and wide brand recognition with homeowners
- Loan sizes up to about $100,000 cover nearly any residential roof
Cons:
- Dealer fees range widely by product and can exceed 20% on aggressive promos, which guts margin on a roof
- A 2021 CFPB consent order required GreenSky to refund or cancel up to $9 million in unauthorized loans and pay a $2.5 million penalty
- Homeowner sentiment is rough: Trustpilot shows a "Poor" score around 1.4 out of 5 as of mid-2026
The unauthorized-loan history stemmed from merchants submitting applications without customer consent, per the CFPB's order. GreenSky added controls since, but it is a talking point competitors will use against you at the kitchen table. If the fee math is your concern, we ran it in GreenSky vs Hearth, and we keep a full list of alternatives if the history bothers you.
Service Finance: best for 0% promo selling
Service Finance Company is the platform to pick when promotional rates are the centerpiece of your pitch. Owned by Truist Bank since 2021, it lists 50+ financing products spanning promotional and standard installment loans, with roofing named as a core trade alongside HVAC and windows.
Best for: roofers whose sales system leans on "0% for 24 months" style offers.
Pros:
- The widest promotional product menu of the four, including same-as-cash and reduced-rate terms
- Published dealer fee range starts at just 1.25% on standard products
- Truist ownership gives it stable, cheap funding
Cons:
- Promotional products carry the highest fees, up to 24% per the published range; a 0% offer on a $15,000 roof can cost you $1,500 or more
- Credit floor and loan caps are not published, so you find out approval odds in the field
Promo fees are not wasted money if you price for them, but you have to actually price for them. Our 0% APR financing explainer shows how the subsidy works, and the Hearth vs Service Finance comparison runs the numbers side by side.
Regions Home Improvement Financing: best for storm restoration
Regions Home Improvement Financing is the new name for EnerBank, and it keeps the product that made EnerBank a storm-restoration favorite: the Zero Interest Loan. Regions describes the ZIL as 0% fixed APR for the full loan term with equal monthly payments, which is genuinely different from deferred-interest promos that charge back-interest if a balance survives the promo window.
Best for: insurance-heavy roofers financing deductibles and upgrades.
Pros:
- True 0% ZIL plus same-as-cash and reduced-interest options, per Regions' contractor pages
- Bank-owned lender with a phone application channel older homeowners actually like
- Clean fit for the insurance gap: a homeowner with a $2,500 deductible and a materials upgrade finances only the legitimate out-of-pocket portion
Cons:
- Dealer fees, credit minimums, and loan caps are not published; terms come through your dealer agreement
- The brand transition means old EnerBank collateral and reviews no longer describe the current program
One compliance note: contractors cannot pay or waive insurance deductibles. Financing the homeowner's real out-of-pocket cost is the legal route. We covered this program's model against Hearth's in Hearth vs EnerBank (Regions).
The break-even math: subscription vs per-transaction
Fee structure, not features, decides which program costs less. Assume a 5% average dealer fee on the per-transaction side and Hearth Pro at $1,799 per year on the subscription side.
| Annual financed volume | Cost at 5% dealer fee | Hearth Pro cost | Cheaper option |
|---|---|---|---|
| $15,000 (1 roof) | $750 | $1,799 | Per-transaction |
| $36,000 (2-3 roofs) | $1,800 | $1,799 | Break-even |
| $75,000 (5 roofs) | $3,750 | $1,799 | Hearth |
| $150,000 (10 roofs) | $7,500 | $1,799 | Hearth |
| $300,000 (20 roofs) | $15,000 | $1,799 | Hearth |
With Fixr's 2026 cost guide putting the average replacement near $10,000 and most jobs between $7,500 and $14,000, two to three financed roofs a year is the entire break-even hurdle. Promotional products change the picture fast: at a 10% promo fee the break-even drops to about $18,000. The full mechanics are in our dealer fee breakdown.
Choose your program by scenario
- Choose Hearth if you finance three or more roofs a year, see credit scores below 620 regularly, and want pricing you never have to pad. Hearth's 550 floor matters here; our FICO minimum explainer shows how many homeowners that adds.
- Choose GreenSky if financing is occasional and you want a recognizable name with zero fixed cost.
- Choose Service Finance if 0% offers are your door-opener and you price jobs to absorb promo fees.
- Choose Regions if storm work dominates and the true 0% ZIL fits your deductible conversations.
Many established roofers run two programs: a primary for retail replacements and a second for insurance work or declined applicants. A second-look option matters because a decline from one lender is not a decline everywhere; Wisetack is a common backup in that slot. Whatever you pick, presenting monthly payments early is the real win: SubcontractorHub's 2026 data has point-of-sale financing lifting close rates 20 to 35 percent, and our kitchen table pitch guide covers the wording.
Ready to run the numbers on your own volume? If Hearth looks like the fit, you can start with Hearth here and compare its plans against what you paid in dealer fees last year.
How we put this together
We compared published contractor-facing terms for Hearth, GreenSky, Service Finance, and Regions Home Improvement Financing: pricing pages, Capterra listings, Regions' contractor articles, the CFPB's 2021 GreenSky consent order, Trustpilot scores, and the Sixth Street and Truist acquisition announcements. Roof cost figures come from Fixr's 2026 guide. Where a program does not publish a fee or credit floor, we marked it not published rather than repeating recycled estimates. Last verified July 2026.
Frequently asked questions
Which roofing financing program has no dealer fees?
Hearth is the only major roofing financing program with zero dealer fees, replacing them with an annual subscription of $1,499 to $4,999 depending on plan. Every other platform here charges a percentage of each financed job, from 1.25% up past 20% on promotional products.
Is EnerBank still available for roofing contractors?
EnerBank no longer exists as a standalone brand, but the program survives as Regions Home Improvement Financing and remains active in 2026. Regions Bank bought EnerBank in 2021 for $960 million and kept the core products, including the Zero Interest Loan used heavily in storm restoration.
What credit score do homeowners need for roof financing?
It depends on the platform: Hearth's lender network approves scores down to 550, while GreenSky, Service Finance, and Regions do not publish minimums, and industry reviews commonly cite floors in the high 500s to low 600s. Running a program with a lower floor, or a second-look backup, keeps more of your quotes alive.
Who owns GreenSky now?
GreenSky is owned by an investor consortium led by Sixth Street, which includes KKR, Bayview Asset Management, and CardWorks, after Goldman Sachs completed the sale in March 2024. The platform kept its per-transaction dealer fee model through the ownership change.
How much does a 0% financing offer cost the contractor?
A 0% promotional loan typically costs the contractor a dealer fee in the 10 to 24 percent range of the job total, based on Service Finance's published 1.25% to 24% fee spread. On a $15,000 roof that is $1,500 to $3,600, so price promo-financed jobs accordingly.
Should a new roofing company offer financing right away?
Yes, because a monthly payment option widens your buyer pool from day one, and per-transaction platforms cost nothing until a customer actually finances. Some programs want operating history, so read our guide to offering financing as a new contractor before you apply.
