Financing for contractors in Florida helps homeowners pay for roof replacements, impact windows, HVAC installations, and other major improvements over time. For customers who don’t want to pay the full amount upfront, monthly payments provide another option alongside cash or credit cards.
Contractor Financing Solutions connects homeowners with a network of participating lenders through one application. Customers can check available offers with a soft credit check, choose a loan if they qualify, and make monthly payments directly to the lender. Your company receives payment when the loan funds, according to the lender’s funding schedule.
✓One application, multiple lenders. Homeowners can check available financing offers from participating lenders without completing separate applications.
✓Financing up to $100,000. Eligible homeowners may qualify, depending on the lender, for roofing, HVAC, windows, and other approved improvements.
✓No monthly payments to collect. The lender handles repayment directly with homeowners, under non-recourse terms subject to the lender and contractor agreements.
✓Soft credit check. Customers can check offers without affecting their credit score. A hard inquiry happens only if they choose an offer and submit a full application.
Get your financing link. Once your company is set up, you’ll receive a personalized link to share with customers during an estimate, by text, or in a written proposal. Including it with every estimate gives each customer a chance to review offers without having to ask about financing.
Customers review their options. Homeowners complete one application to check offers from participating lenders. They can review any available loan amounts, APRs, and monthly payments before deciding whether to proceed.
Confirm funding. Once the homeowner accepts a loan and completes the lender’s requirements, your company receives payment according to the funding schedule. Some lenders pay after signing, while others require project completion or additional documentation. The lender handles repayment directly with the homeowner.
When will your company get paid? Funding timelines vary by lender and project. Some loans fund after signing, while others require completed work, inspections, or additional documentation. Confirm the payment schedule before ordering materials or scheduling work.
Here’s what monthly payments could look like for several home improvement projects. These examples use a 14.99% fixed APR, no additional fees, and repayment terms of five or 10 years. Interest increases the total amount a homeowner pays, so customers should review the APR, repayment term, and total cost of any loan before accepting an offer.
| Project Example | Amount Financed | 5 Years: Approx. Monthly / Total Interest | 10 Years: Approx. Monthly / Total Interest |
|---|---|---|---|
| AC system replacement | $7,500 | $178 / $3,203 | $121 / $7,015 |
| Impact windows, partial home | $12,500 | $297 / $5,339 | $202 / $11,691 |
| Roof replacement with wind upgrades | $20,000 | $476 / $8,542 | $323 / $18,706 |
| Whole-home hardening package | $35,000 | $832 / $14,948 | $564 / $32,735 |
For a $20,000 roof replacement, a 10-year loan lowers the monthly payment by about $153 compared with a five-year loan, but adds about $10,164 in total interest. A longer term reduces the monthly cost while increasing the total cost of borrowing.
Payment examples are hypothetical and are not offers of credit. They assume a fixed 14.99% APR, no fees, and on-time payments over the full term, with amounts rounded to the nearest dollar. Actual APRs, terms, fees, and approval vary by lender, loan amount, and the borrower’s credit profile, and the terms shown may not be available for every project.
Certain home improvement projects are especially common in Florida because of the state’s weather, insurance requirements, and building codes. Permits, insurance deductibles, and code-required upgrades can also add to what homeowners pay. Here are a few situations where contractors may find financing useful.
Florida homeowners sometimes consider replacing an older roof because of insurance concerns. However, a roof doesn’t automatically need replacement simply because it reaches a certain age. State law includes protections for roofs under 15 years old and inspection provisions for older roofs. When replacement is necessary, financing can help homeowners manage the cost. See our roofing contractor financing page for more.
After a storm, homeowners may need anything from a small roof repair to a full replacement. Florida’s building code affects how much work is required, and the rules can depend on whether the roof was installed or last replaced under the 2007 Florida Building Code or later. Confirm the applicable requirements before quoting the job, especially on older roofs.
Florida’s My Safe Florida Home program has provided grants for qualifying hurricane protection improvements, including certain roofing and opening-protection upgrades. Because grants are generally paid as reimbursements, homeowners may need to cover project costs before receiving funds. Financing could be an option, but homeowners should confirm current grant availability and program requirements before starting work.
When an AC system breaks down during a Florida summer, homeowners may need a replacement right away. Financing gives eligible customers the option to pay over time rather than covering the entire installation cost upfront. See our HVAC contractor financing page for more.
Home improvement costs vary depending on the project, materials, and location. The estimates below come from published national pricing data from Angi and HomeAdvisor. Actual costs in Florida may be higher or lower depending on the size of the job, labor, permits, and local building requirements.
| Project | Typical Range | National Average | Source (Updated) |
|---|---|---|---|
| Roof replacement | $8,800 to $22,100 (1,800 sq. ft. roof) | $9,609 (all roof sizes) | Angi (Mar 2026) |
| Hurricane (impact) windows | $4,612 to $20,440 | $12,443 | HomeAdvisor (Jun 2026) |
| HVAC system replacement | $5,000 to $12,500 | $7,500 | Angi (Aug 2026) |
| Generator installation (all sizes) | $1,512 to $8,803 | $5,157 | HomeAdvisor (Jun 2026) |
| Hurricane shutters | $1,475 to $5,884 | $3,674 | HomeAdvisor (Jun 2026) |
These are national estimates, not Florida-specific quotes. Generator costs vary considerably between portable units and permanent standby systems, which HomeAdvisor puts at $5,000 to $25,000. Hurricane-rated window prices may also differ depending on Florida Product Approval, high-velocity hurricane zone requirements in some counties, and local installation rules.
Florida contractors need to follow state licensing, contract, and consumer protection rules when offering financing. The following requirements are especially relevant to roofing, storm repairs, and projects sold in a homeowner’s residence.
Insurance deductibles. Under section 489.147, roofing contractors can’t pay, waive, or rebate a homeowner’s insurance deductible, or offer anything of value in exchange for a roof inspection or claim. Financing should be presented as a payment option for eligible work, not as a way to avoid insurance requirements.
Home solicitation sales. Under section 501.025, buyers in qualifying home solicitation sales can cancel until midnight of the third business day after signing. Confirm whether the rule applies to your sales and provide any required notices before scheduling work or ordering materials.
Financing and licensing. Florida’s Office of Financial Regulation licenses certain businesses involved in home improvement financing under Chapter 520. Whether additional licensing applies depends on how your company participates in the financing process, so review the rules and confirm your obligations with counsel before offering financing.
| Option | How It Works | When It May Fit |
|---|---|---|
| Cash or savings | The homeowner pays from their own funds, with no interest or application. | Smaller jobs, or homeowners whose reserves stay healthy after paying for the project. |
| Credit card | Revolving credit, often at a high variable APR, limited by the card’s available balance. | Small repairs or deposits the homeowner plans to pay off quickly. |
| HELOC or home equity loan | Borrowing against home equity, with the home as collateral. Approval can take longer, and some lenders require an appraisal. | Large, planned projects where the homeowner has equity and time to wait. |
| PACE financing | Where available, qualifying improvements may be financed through a property assessment repaid with property taxes. Eligibility, permitted projects, terms, and consumer protections depend on the program. | Eligible properties in participating areas. Homeowners should carefully review the assessment obligation, total cost, and effects on property taxes, mortgages, refinancing, or a sale before proceeding. |
| Independent personal loan | The homeowner shops a bank, credit union, or online lender on their own and brings the funds to the job. | Homeowners with an existing banking relationship who don’t mind a separate process. |
| Contractor-offered financing | One application presented with your estimate reaches multiple participating lenders, and the homeowner reviews any available offers before choosing. | Homeowners who want to move forward now and see monthly payment options next to the total price. |
Contractors can explain the financing options they offer, but homeowners should review the terms and decide which payment method works best for them.
Yes, some Florida homeowners with lower credit scores may qualify for financing. Certain participating lenders consider applicants with credit scores around 570, although approval also depends on income, existing debt, credit history, and the amount requested. Loan offers and interest rates vary, and approval isn’t guaranteed.
Customers can check options from participating lenders through one application. Your team doesn’t need to evaluate anyone’s credit or financial situation. Homeowners enter their information directly into the financing platform, and the lenders determine eligibility.
Contractor Financing Solutions gives Florida contractors a way to offer monthly payment options without managing loans themselves. You can share a financing link with customers, let participating lenders handle applications and approvals, and receive payment when the loan funds.
✓Share financing with your estimates. Send your link by text, include it in a proposal, or open it during an appointment.
✓A multi-lender network. Customers can check offers from multiple participating lenders through one application.
✓Lender-managed payments. The lender handles monthly repayment after funding, subject to your program agreement.
✓Customers apply directly. Homeowners enter their financial information into the lender platform rather than sharing it with your staff.
✓Onboarding support. We’ll review eligible project types, funding schedules, and program requirements for your business.
Request Your Free Financing Demo
No. Checking what a homeowner qualifies for uses a soft credit check, which won’t impact their credit score. A hard inquiry only happens if they choose an offer and move forward with a full loan application.
Program fees depend on your business and how you plan to use financing. We walk through every fee during your demo, and all fees are written into your agreement before you enroll.
Under a non-recourse arrangement, the lender generally assumes the homeowner’s ordinary repayment risk after funding, so missed payments are between the homeowner and the lender. Review your agreements for exceptions involving fraud, refunds, cancellations, or contractual disputes.
Common projects include roof replacements, impact windows and doors, hurricane shutters, AC and HVAC systems, generators, plumbing, and other home improvements. Eligible project types and loan purposes are set by each lender, so confirm eligibility for specialty or combined-trade work during onboarding.
Participating lenders make all approval decisions. If a homeowner doesn’t qualify, they can consider another payment method or discuss changes to the project with you. Contractors cannot approve applications or guarantee financing.
Homeowners may be able to finance upgrades or work that falls outside an insurance claim, depending on each lender’s eligible loan purposes. Under section 489.147, roofing contractors can’t pay, waive, or rebate a deductible or advise on policy coverage unless licensed as a public adjuster, so financing should be presented only as a way to pay for the project.
You need the appropriate contractor license for the work itself. Florida’s Office of Financial Regulation also licenses certain businesses that finance home improvements under Chapter 520, and whether that affects you depends on your role in the transaction. Confirm your specific situation with legal counsel when you set up your financing process.
Request a demo to walk through the platform, program terms, fees, and onboarding. Once your company completes setup, you’ll receive your personalized financing link to use with estimates and follow-up conversations.
See how the program works, which lenders serve your area, and what it costs to get started.
Contractor Financing Solutions is not a lender and does not make credit decisions. Financing is offered by independent participating lenders. Loan approval, available amounts, APRs, repayment terms, and funding timelines vary by lender, borrower qualifications, and applicable state requirements. Checking available offers uses a soft credit check that won’t impact credit scores; a hard inquiry may occur only if a borrower chooses an offer and submits a full application. Non-recourse arrangements are subject to the applicable lender and contractor agreements and do not eliminate obligations arising from fraud, refunds, cancellations, or contractual disputes. All project costs and payment illustrations are examples, not guaranteed prices or offers of credit.
Estimate potential returns from offering customer payment plans.
Additional Monthly Revenue
Revenue: $90,000 → $120,000
Disclaimer: Results are estimates for illustrative scenario planning only and do not guarantee future revenue, approval rates, or closing percentages. Actual revenue will vary based on customer creditworthiness, project scope, lender terms, and merchant processing fees.
Offer monthly payments to homeowners in three simple steps, without becoming a lender or handling customer loan payments.
Share your link by text, email, estimate, or in person. Homeowners complete one quick application to explore offers from multiple lenders, starting with a soft credit check that won’t affect their credit score.
Every estimate you send without a monthly payment option is a deal you’re leaving to chance. Get started with Contractor Financing Solutions and give your next homeowner an easier way to say yes.
