How it works
- Get the roof priced. A free inspection gives you the written scope and number to finance.
- Pre-qualify. A few minutes, no documentation needed up front, no down payment required.
- Pick your terms and schedule the work. Payments start once the project is complete.
When financing makes sense
- The roof is failing now and the budget cycle is later. Water damage does not wait for next year’s capital plan.
- An insurance settlement leaves a gap. Deductibles, code upgrades and non-covered work can be financed.
- You want the better system. The difference between a 15-year and a 25-year assembly is often small per month, and large over the roof’s life.
- Cash is better used elsewhere in the business than in a roof that is going to last 25 years.
Frequently asked questions
Is commercial work eligible?
Yes. Commercial and residential projects can both be financed; the terms differ. Ask when you get your proposal.
Does pre-qualifying affect my credit?
Pre-qualification is designed to be quick and low-friction; a full application is a separate step. The lender discloses the exact terms, rate and credit treatment before you accept anything.
Can I finance the deductible on an insurance claim?
You can finance your out-of-pocket share, including a deductible. What no contractor should do is waive or absorb your deductible — that is illegal in many states, and an offer to do it tells you something about the contractor.
Rates, terms and approval criteria are set by the lender, not by ACR, and are disclosed before you commit. Start with a free roof inspection so you know what you are financing.