Roofing Contractor Financing for Solar Detach & Reset
When a roof needs replacing and a solar array is bolted to it, the price jumps. Your customer now pays for the detach, the re-roof, and the reset, often several thousand dollars more than a standard roof, and that is where a signed job turns into “let me think about it.”
Customer financing for roofing contractors lets your customers pay for solar detach, reset, and re-roof jobs in monthly payments, while your business collects the full contract value upfront through a multi-lender network, without building or managing an in-house payment plan.
Get Paid Upfront
Collect the full contract value once the loan is funded, with no receivable to carry and no installments to chase.
One Simple Application
A single soft-pull application reaches prime, near-prime, and second-look lenders, so more of your customers qualify.
Non-Recourse Financing
Most loans are non-recourse to your business, so once you are paid you are not responsible for how the customer repays.
Customer financing for roofing contractors is a point-of-sale program that lets a homeowner pay for a roofing job in monthly installments while your business is paid its full fee upfront. Instead of running your own payment plan or discounting the job, you present a monthly payment on the quote, the customer applies through a lender network, and you are funded once the loan completes.
What Solar Roofing Jobs Can Your Customers Finance?
Roofing partners can finance any solar-related roof job from $1,000 up to $50,000, including detach and reset, full re-roofs with solar present, storm and insurance-gap work, repairs around existing panels, and complete removal-and-roof bundles.
Because most roofs need replacing before a solar array reaches the end of its service life, detach-and-reset work keeps growing as early installations age, a point the U.S. Department of Energy’s homeowner solar guidance raises when it covers roof condition and system lifespan. If a job involves a roof and a solar system in the same conversation, your customer can finance it, with amounts and terms set by the lender.
Detach & Reset for Re-Roofing
$3,500 – $12,000
Temporarily remove and reinstall a system that is staying so you can replace the roof underneath.
Full Re-Roof With Solar Present
$8,000 – $30,000+
Finance the complete tear-off and replacement plus the detach and reset as one payment.
Storm & Insurance Gap Projects
$1,000 – $15,000
Finance the deductible, code upgrades, and solar-handling costs a claim does not cover.
Roof Repair Around Existing Solar
$1,000 – $6,000
Finance spot repairs, leak and flashing work, and section replacement around panels without a full detach.
Roof Upgrade Before Panel Reinstall
$2,000 – $10,000
Finance decking, underlayment, and ventilation upgrades while the array is off, so the reset lands on a stronger roof.
Removal, Roof & Disposal Bundle
Up to $50,000
Finance permanent panel removal, the new roof, and equipment disposal together for a full solar exit.
Ranges are illustrative. Actual approval, amounts, rates, and terms are determined by the participating lender.
Financing is not limited to the roof itself. When a job is part of a full solar exit, your customer can also finance the panel removal and roof restoration and any lease or PPA buyout on the same monthly payment.
You do not need to build your own payment plan or send customers to multiple banks. The customer completes one application that can connect them with participating lenders serving prime, near-prime, and lower-credit profiles, creating more approval opportunities than relying on a single financing source.
| Stage | What Happens |
|---|---|
Step 1Enroll | Sign up as a partner and get your branded application link and portal, usually within about a business day. Show the monthly payment next to the total on every solar roofing quote. |
Step 2Customer Applies | The homeowner prequalifies in about 60 seconds on their phone with a soft credit pull that does not affect their score, and selects an offer. You track each application in real time from your portal. |
Step 3Get Paid & Schedule Your Job | Once the customer accepts an offer and closing documents are completed, you are paid the full contract value upfront, typically within 2-3 business days, and can put the crew on the schedule. |
A solar re-roof costs more than a standard roof, and a ready customer can still stall at the total. Discounting the job cuts into your margin, while carrying your own payment plan means waiting to get paid and chasing collections.
Financing gives the customer another way to move forward. They can choose a monthly payment while your business keeps its full fee, collects the contract value at funding, and leaves repayment to the lender.
Do not wait for a customer to say the job is too expensive. Make monthly payment availability visible early so they know there is more than one way to pay.
Before the Estimate
On the Roof
The payment method a customer chooses affects when your business gets paid, who carries the balance, and how much administrative work your team takes on after the job is signed.
| Payment Method | When You Get Paid | Who Carries the Balance | Admin Overhead | Best For |
|---|---|---|---|---|
| Solar Exit Financing | Upfront on loan completion | The lender | Low | Detach, reset, and full re-roof jobs |
| Pay in Full | Right away | Not applicable | Low | Customers with cash on hand |
| Credit Card | After payment processing | Customer and card issuer | Low | Smaller repairs on available credit |
| Your Own Payment Plan | Over time | You | High | Short arrangements you manage yourself |
The difference: Financing gives customers another way to pay while your business collects the full contract value at funding, with no long-term balance to carry or collections to manage.
Example: On a $14,000 re-roof that includes a detach and reset, offering the customer four payments of $3,500 yourself means you carry the balance and chase every late payment while your crew waits on materials. Run the same job through the lender network and it is funded at once, you collect the full contract value, and the lender manages repayment from there.
Figures are illustrative. Actual approval, loan amounts, rates, terms, and payments are determined by the participating lender.
Enroll in about a business day, present a monthly payment on your next quote, and get paid upfront while a lender carries the balance.
Customers apply directly through the financing process and may be asked for information about identity, income, and credit history. Available options, approval requirements, rates, fees, and repayment terms are determined by the lender.
Most financing uses installment payments, where the loan is repaid in scheduled amounts over a set period.
Prequalification uses a soft credit pull that does not affect the customer’s score, and a hard inquiry happens only if they proceed with an offer. Once financing and funding requirements are completed, your payout is disbursed according to your agreement. Always follow the funding and delivery requirements provided by the financing provider.
If Your Crew Finds Hidden Decking Damage
Handle it as a change order. If the scope grows after approval, the funding amount can be updated before the extra work proceeds, so you are not covering it out of pocket. Coordinate the revised amount with the lender before you complete the change.
If a Customer Misses a Payment
The loan agreement is between the customer and the lender. For an eligible non-recourse loan, the lender handles servicing and collection, not you, and your upfront payment is not clawed back.
If a Customer Cancels Before the Job
Make your cancellation and refund policies clear before the job is funded. Any refund or financing adjustment should follow your contract and the financing provider’s requirements.
Present financing as an optional payment method, avoid promising approval or quoting unapproved loan terms, and use the disclosures and marketing language authorized by the financing provider. Your business does not make lending decisions and should direct loan-specific questions to the participating lender. Keep your advertising truthful, and operate within your state contractor licensing rules.
What to Do
What Not to Do
Financing tends to pay off fastest for roofers who regularly run into solar on the roof and hear some version of, “I want it done right, but I can’t cover all of it at once.” That includes re-roofers who hit solar arrays on existing homes, storm and insurance-restoration roofers, crews offering full solar removal and roof replacement, and roofers partnering with solar exit companies.
If you are losing solar roofing jobs to sticker shock, discounting to win them, or carrying your own payment plans, customer financing removes that barrier without cutting your fee. You can also see every financing program we offer across the solar exit process.
Solar Exit Financing helps roofing contractors add monthly payment options to the sales process they already use. Present your full scope and price, show the monthly payment on the quote, share the application link, and begin work after funding is confirmed. Your team stays focused on the roof while participating lenders handle underwriting, loan terms, servicing, and repayment.
Give customers more ways to pay, expand approval opportunities, and get paid upfront without managing an in-house payment plan.
Learn more about our Solar Exit Financing platform.
Important: Solar Exit Financing is not a lender and does not make credit decisions. Financing is provided by participating third-party lenders and is subject to eligibility, underwriting, approval, applicable terms, and provider requirements. This page is provided for general informational purposes only and is not legal, tax, credit, or financial advice.
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Request a platform demo to discover how seamless point-of-sale customer financing helps your business close more cancellation and buyout agreements without managing payment plans.
common questions answered
Customer financing for roofing contractors is a point-of-sale program that lets a homeowner pay for a roofing job in monthly installments while your business is paid its full fee upfront. You present a monthly payment on the quote, the customer applies through a multi-lender network, and you are funded once the loan completes.
Yes. You collect the full contract value once the customer's loan is completed, typically within 2-3 business days, so your payout lands before you order materials or schedule the job. There is no receivable to carry and no installments to chase, and exact timing depends on the lender and the completeness of the closing documents.
Customers can finance any solar-related roof job from about $1,000 up to $50,000. That includes detach and reset for re-roofing, full re-roofs with solar present, storm and insurance-gap work, repairs around existing panels, roof upgrades before a panel reinstall, and complete removal-and-roof bundles. If a job involves a roof and a solar system in the same conversation, it can usually be financed, with amounts and terms set by the lender.
One application is routed across prime, near-prime, and second-look lender tiers, so more customers receive an offer than with a single bank. Each homeowner prequalifies with a soft credit pull that does not affect their credit score and sees their exact monthly payment before committing, so there is no risk to the customer in checking.
Handle it as a change order. If the scope grows after approval, the funding amount can be updated before the extra work proceeds, so you are not covering it out of pocket. Coordinate the revised amount with the lender before you complete the change, and keep your contract clear on how change orders and hidden-condition repairs are priced.
For eligible non-recourse loans, no. The repayment agreement is between the customer and the lender, so if the customer misses payments the lender handles servicing and collection, not you, and your upfront payment is not clawed back. Confirm the specific non-recourse terms with the lender before relying on them.
