- Home
- Roof Financing
Roof Financing Options to Protect Your Investment
A new roof is one of the most important investments you can make in your home or business, but it doesn’t have to strain your budget. At 12 Stones Roofing & Construction, we offer flexible roofing financing options to help homeowners and commercial property owners get the protection they need without delay.
Whether you’re dealing with storm damage, planning a roof upgrade, or need an emergency replacement, our team will help you navigate the financing process from start to finish.

Why Financing Makes Sense for Roofing Projects
Paying out of pocket for a new roof or major roof repairs can be challenging, especially when the need is unexpected. Roofing financing provides several benefits:
- Immediate Protection: Don’t delay critical repairs. Finance your roof and protect your property right away.
- Budget-Friendly Payments: Choose monthly payments that fit your budget, with low or no-interest options for qualified applicants.
- You can also explore federal and state-based home repair financing programs through USA.gov’s home repair assistance resources.
- Boost Property Value: Investing in a new roof adds long-term value and curb appeal.
- Peace of Mind: Knowing your roof is secure, and your finances are too, offers lasting relief.
Explore our roof replacement and roof installation services to see how financing can support your goals.
What Types of Roofing Can Be Financed?
At 12 Stones Roofing & Construction, we understand that every roofing need is unique, whether it’s a small leak repair or a full commercial installation. That’s why our financing options are designed to be flexible and inclusive, covering a wide variety of roofing services for both residential and commercial properties.
Our financing plans can be applied to the following roofing services:
Roofing Service | Eligible for Financing? | Description |
Roof Repair | Yes | Minor to moderate repairs caused by wear, leaks, or weather damage. |
Roof Replacement | Yes | Full roof replacements due to age, damage, or material upgrades. |
New Roof Installation | Yes | For new construction or property upgrades needing a brand-new roof system. |
Emergency Roofing Services | Yes | Urgent repairs following storm, wind, or hail damage. |
Flat Roofing | Yes | Suitable for commercial buildings, often using TPO or EPDM systems. |
TPO, EPDM, Modified Bitumen Roofing | Yes | Durable and energy-efficient solutions for flat and low-slope roofs. |
Residential & Multi-Family Roofing | Yes | Includes asphalt, tile, slate, and metal options for homes and apartments. |
Gutter & Storm Damage Services | Yes | Includes gutter repairs and storm-related exterior damage restoration. |
How Our Roofing Financing Works
12 Stones Roofing & Construction has partnered with trusted financing providers to make the process simple and transparent:
- Free Estimate: We’ll inspect your roof and provide a detailed project proposal.
- Financing Application: Choose from competitive loan terms with quick approvals.
- Review and Approve: You’ll see your monthly payments and total financing terms.
- Project Begins: Once approved, we’ll schedule your roof work immediately.
Our team helps you every step of the way, from the initial roof inspection to selecting the best financing option for your needs.
Contact Us Today - Affordable Roofing is Within Reach

At 12 Stones Roofing & Construction, we believe every home and business deserves a reliable roof. With transparent terms, fast approval, and expert installation, our roofing financing solutions help make that possible.
Ready to get started? Contact us today to speak with our team and explore financing options that match your project needs.
Frequently Asked Questions
Can I finance a roof with no money down?
Yes, many of our financing plans offer $0 down and deferred payments for qualified applicants.
What credit score is needed to qualify?
While good credit improves your options, we work with financing partners who offer flexible terms for a range of credit profiles.
Does insurance cover part of the cost?
If your roof was damaged by a covered event, insurance may cover part or all of the cost. We can help with roof insurance claims.
Can I finance emergency roof repairs?
Absolutely. Our emergency roofing services are eligible for financing so you can act fast.
Are commercial roofs eligible for financing?
Yes. We provide flexible financing for commercial roofing projects of all sizes.
How fast can my roof be installed after approval?
Once financing is approved, we can typically begin your project within a few days.