Best Roofing Software for Financing and Payment Plans

Offering monthly payments on a $18,000 roof replacement shouldn’t require a second software platform, a stack of paperwork, and a prayer that the lender actually calls your customer back. But that’s exactly what most roofing contractors deal with when they bolt on financing as an afterthought.

We evaluated four roofing financing software options across two categories: dedicated lending platforms (GreenSky and Hearth) and all-in-one roofing software with integrated financing (ServiceTitan and AccuLynx). The differences matter more than most vendors let on — particularly around dealer fees, which can quietly eat 7–15% of your revenue on promotional loan products.

This guide breaks down real pricing, real user complaints, and the actual math on dealer fees that no vendor page will show you. If you’re a roofing contractor evaluating customer financing options, this is the comparison you need before signing anything.

RSG Verdict

AccuLynx is the best roofing financing software for most contractors. It pairs the deepest roofing-specific CRM on the market with built-in financing, aerial measurements, and a new $250/month entry plan that finally makes it accessible to smaller operations. Hearth wins for contractors who only need a financing lender marketplace without CRM overhead. Note that the entry-level Essentials plan ($1,499/yr) covers financing and payments only — quotes and contracts require the Pro plan at $1,799/yr.

9.1

RSG GoldBest roofing financing software overall

What Is Roofing Financing Software and Why Does It Matter?

Roofing financing software falls on a spectrum. On one end, you have dedicated lending platforms like GreenSky and Hearth that connect contractors with consumer loan products. On the other, you have all-in-one roofing software like AccuLynx and ServiceTitan with financing modules embedded directly into the estimating and proposal workflow.

Here’s how point-of-sale financing works for contractors: your customer sees the total job cost in a digital proposal, clicks a financing link, fills out a built-in financing application, gets an instant prequalification decision, and selects a monthly payment plan — all before you leave the kitchen table. The lender pays you directly (minus dealer fees), and the homeowner makes monthly payments to the lender.

The revenue impact is real. Industry data widely cited by lenders like Service Finance and Synchrony shows a 30% average job size increase and a 17% close rate improvement when contractors offer payment plans. The math is straightforward: homeowners who can’t write a $15,000 check can often handle $250/month.

One angle almost nobody talks about: insurance gap financing. Even on insurance-covered storm restoration jobs, there are upgrades the adjuster won’t pay for — impact-resistant shingles, premium underlayment, new gutters. Financing fills that gap between what insurance covers and what the homeowner actually wants. If you’re running storm work, this alone can add thousands per job. Our roundup of storm restoration software covers the broader tech stack for that workflow.

We evaluated four products across two categories. Here’s how they compare.

How We Evaluated These Roofing Financing Platforms

We scored each platform across six criteria: financing lender network depth, dealer fee transparency, consumer loan terms (APR range, maximum loan amount, minimum FICO score), software integration quality, pricing and contract terms, and real user reviews from G2 and Capterra. Our full scoring methodology explains how we weight each factor for the RSG Score.

The critical distinction here is buyer type. GreenSky and Hearth are financing-first platforms — they help you offer loans, not manage your roofing business. ServiceTitan and AccuLynx are operational platforms where financing is one module alongside CRM, estimating, scheduling, and invoicing. You’re shopping for different things depending on where you are as a business.

One thing we prioritized: dealer fee transparency. Most vendor pages bury or ignore the merchant fees contractors pay on financed jobs. We surfaced real-world fee ranges from user reviews and third-party reports because that’s the number that actually hits your margin. A solo roofer doing 50 jobs a year needs a different tool than a multi-location operation running 500. We frame each recommendation accordingly.

Quick Comparison: Roofing Financing Software at a Glance

*ServiceTitan pricing and GreenSky dealer fees are based on user-reported figures, not official published rates.

GreenSky: Bank-Backed Loans With High Dealer Fees

GreenSky is a financing platform, not a software suite. This is the most important distinction for roofing contractors who come across it while searching for roofing financing software. You will not get a roofing CRM, estimating tools, digital invoicing, or proposal templates. You get access to bank-funded consumer loans — period.

The loan amounts are the main draw: up to $100,000 through contractor partners, which makes GreenSky viable for large-ticket residential projects like full tear-offs with extensive structural work. Consumer APRs range from 17.99% to 24.99% based on creditworthiness — rates that are competitive but not exceptional.

Contractor-facing pricing is entirely quote-based and not publicly disclosed. Onboarding reportedly takes weeks, not days. dealer fees are widely cited at approximately 7–15% depending on the promotional plan, though these figures come from contractor-reported sources rather than GreenSky’s published terms, with 0% APR financing products carrying the highest merchant fees. On a $20,000 job financed through a 0% promotional product with a 12% dealer fee, you’re netting $17,600. That math works on high-ticket jobs; it gets painful fast on a $8,000 repair.

The regulatory history is concerning. In 2021, the Consumer Financial Protection Bureau took enforcement action against GreenSky for allowing contractors to take out unauthorized loans on customers’ behalf. A class-action lawsuit filed in 2020 alleging illegal loan fees was still pending as of April 2026.

Bottom line: GreenSky is worth evaluating if you consistently close jobs above $20,000 and need larger loan amounts than other platforms offer. But read the CFPB enforcement history before signing, and do not expect any software functionality beyond the lending itself. If you need a roofing CRM alongside financing, you’ll need to pair GreenSky with a separate platform like AccuLynx or JobNimbus.

Hearth: The Most Accessible Financing Marketplace for Smaller Roofing Contractors

Hearth is the financing lender marketplace we’d recommend for roofing contractors who want to offer customer financing options without committing to a full CRM platform. It’s a contractor financing marketplace and sales software platform that serves roofing, HVAC, plumbing, and other home improvement trades — and its network of 20,000+ professionals with $500 million+ in funded jobs gives it meaningful scale.

The pricing is transparent and tiered. The Essentials plan runs $1,499/year and covers financing and payments only — no quotes or contracts. The Pro plan at $1,799/year adds the full feature suite including digital quotes, contracts, and invoices — this is the plan most roofing contractors should evaluate. Elite costs $4,999/year for larger operations. All plans require a one-time $99 setup fee and are annual billing only with no month-to-month option.

Here’s the stat that should get your attention: Hearth’s lending partners work with customers with FICO scores as low as 550 and offer loans up to $250,000. That 550 FICO floor is significantly lower than what most financing companies require, which means more of your customers will qualify — particularly on storm restoration jobs in lower-income neighborhoods where other lenders decline applications.

The insurance gap financing angle is where Hearth adds real value for roofers. When a homeowner’s insurance covers the basic tear-off but they want impact-resistant shingles or a premium ventilation system, Hearth can help finance that upgrade gap. No other platform in this roundup markets this use case as directly.

In 2026, Hearth launched Harper by Hearth, an AI receptionist feature that handles call answering with recording and transcription. It’s a separate paid add-on not included in any plan. Note: Harper by Hearth is an AI feature within Hearth’s contractor platform — it is not affiliated with the commercial insurance brokerage also named Harper.

Features include digital quotes, contracts, digital invoicing, ACH and credit card payment collection, integrated financing applications, and mobile app field access. Hearth connects with QuickBooks Online for accounting sync.

Bottom line: Hearth roofing financing fills a real gap for contractors who want affordable access to a multi-lender marketplace without buying a full CRM. The Pro plan at $1,799/year is a strong value if you’re closing even a few financed jobs per month. But manage your expectations — this is not all-in-one roofing software. You’ll still need a separate platform for job management, and the customer support issues flagged by users are worth monitoring.

ServiceTitan: Enterprise Roofing Software With Integrated Financing

ServiceTitan is the enterprise-grade choice in this roundup — and the pricing reflects it. This is a full field service management platform where integrated financing is one module alongside CRM, scheduling, dispatch, estimating, invoicing, and reporting. If you’re running 20+ crews across multiple locations, ServiceTitan has the depth. If you’re a 5-person crew, the cost and complexity will bury you.

Pricing is quote-based only. User-reported figures from G2 and Capterra place subscriptions at approximately $245–$398 per technician per month. Implementation fees range from $5,000 to $50,000+ depending on tier and complexity — and they’re non-refundable. All plans require 12+ month contracts with early termination fees documented between $5,000 and $20,000+. For a deep breakdown of what you’ll actually pay, see our ServiceTitan pricing guide.

The financing feature works through lender partners — customers apply directly from the job and receive financing decisions during the sales appointment. The 2026 platform updates are significant: Atlas by ServiceTitan introduces an AI agentic layer across the platform, building on the Titan Intelligence AI engine. Aerial measurements integration from EagleView, GAF QuickMeasure, and Hover are now built into the estimating workflow. And live supplier pricing integration from ABC Supply Co., QXO, and SRS Distribution means estimates are built on current material costs.

That supplier pricing feature is worth calling out specifically. We haven’t seen another roofing platform pull real-time inventory and pricing from major distributors directly into the estimating workflow. For high-volume operations, this eliminates the “call the branch for a quote” bottleneck that adds 20–30 minutes per estimate.

ACH payment processing, credit and debit card collection, automated payment reminders, and QuickBooks sync are all included. The mobile app gives field technicians access to everything from scheduling to digital proposals with embedded financing.

Bottom line: ServiceTitan is an enterprise roofing platform that happens to include financing — not a financing tool that happens to include a CRM. The feature depth is unmatched, but so is the cost and learning curve. Budget 2–3 months for implementation and designate a full-time admin to manage it. If that sounds like overkill for your operation, it probably is. Our full ServiceTitan review covers the broader platform in detail.

RSG Bronze

AccuLynx: Roofing-Only CRM With Built-In Financing Options

AccuLynx

The deepest CRM built exclusively for roofing — now with a $250/mo entry point

Price

$250/mo (Essential)

Best For

Full-platform roofing CRM

RSG Score

9.1/10

AccuLynx is our top pick for roofing financing software because it does what no other platform in this roundup does: it gives you a full roofing CRM with built-in financing in a single platform that was designed from the ground up for roofing and exterior contractors. Unlike ServiceTitan, which serves HVAC, plumbing, electrical, and other trades, every workflow in AccuLynx assumes you’re selling and managing a roofing job.

The biggest pricing news in 2025–2026 is the Essential plan at $250/month. Before this, AccuLynx had no publicly priced entry point — it was custom quotes only. This change matters because it lets smaller roofing operations evaluate the platform without sitting through a high-pressure sales demo just to learn the price. For a full cost breakdown, see our AccuLynx pricing guide.

Financing integration is where AccuLynx earns its spot at the top of this list. The platform connects with financing lender partners directly within the workflow, so your digital proposal with embedded financing goes out as a single document. The homeowner sees the job price, clicks to check financing options, gets instant prequalification, and selects a payment plan — all without leaving the proposal. That’s true point-of-sale financing built into the sales process, not a separate link you email after the appointment.

The roofing-specific features run deep: aerial measurements integration with EagleView and Hover, insurance claim and supplement tracking, material ordering, production scheduling, job board and crew scheduling, estimate and proposal templates built for storm restoration and insurance restoration workflows, and a drag-and-drop job pipeline. QuickBooks sync keeps your accounting clean, and the mobile app gives field and office staff full access.

Compared to ServiceTitan, AccuLynx trades enterprise-grade multi-trade functionality for a tighter roofing-focused experience with a significantly lower learning curve. A ServiceTitan implementation takes months; most AccuLynx users are operational within weeks.

Bottom line: AccuLynx is the best roofing CRM with financing for contractors who want everything in one roofing-specific platform. The $250/month Essential plan removes the pricing barrier that used to keep smaller companies away. If you’re choosing between AccuLynx and a general-purpose platform, the roofing-specific workflows — insurance supplements, storm restoration templates, supplier ordering — will save you more time than any generic CRM ever will. We go deeper in our full AccuLynx review.

RSG Gold

The Dealer Fee Problem: What Roofing Contractors Are Not Being Told

This is the section no vendor wants you to read. Dealer fees — the merchant fee a contractor pays to the financing company for offering subsidized or promotional loan products — are the single biggest hidden cost in contractor financing tools. And almost no vendor page addresses them honestly.

Here’s how the fee structure works. Standard consumer loans (where the homeowner pays market-rate interest) carry lower dealer fees, typically 3–7% of the financed amount. Promotional financing rates — particularly 0% APR financing offers — carry the highest fees because the lender is subsidizing the consumer’s interest cost. Those promotional products can hit 12–15% in dealer fees. GreenSky’s fees are widely cited at 7–15% depending on the plan. Hearth’s marketplace model means fees vary by lender, with some charging less than others.

Let’s do the math that matters. On a $15,000 roofing job financed via a 0% promotional product with a 12% dealer fee, you net $13,200. That’s $1,800 off your margin. If your profit margin on that job was 25% ($3,750), the dealer fee just cut your actual profit nearly in half to $1,950.

Now run that same scenario on a $25,000 job. At 12% dealer fees, you pay $3,000 — but your 25% margin was $6,250, so you keep $3,250 in profit. Still meaningful, but the financing likely helped you close a job you would have lost otherwise. This is why financing makes more financial sense on higher-ticket jobs.

The key insight: don’t choose a financing partner based only on the consumer-facing terms. A 0% APR offer sounds great to the homeowner, but if it costs you 15% in dealer fees, you need to know that number before you commit. Ask every financing platform this question before signing: What are your dealer fees by product type? If they won’t give you a straight answer, that’s a red flag. For more on understanding your real margins, our True Margin Calculator can help you model these scenarios.

How to Choose the Right Roofing Financing Software for Your Business

Match the tool to your business size and workflow. Here’s the framework we’d use:

If you only need financing tools and basic sales documents: Hearth Pro at $1,799/year is the most cost-effective entry point. You get a financing lender marketplace, digital quotes, contracts, digital invoicing, and payment collection. Pair it with a no-contract roofing software like JobNimbus or Roofr for CRM and estimating if needed.

If you need a roofing-specific CRM plus financing in one platform: AccuLynx Essential at $250/month offers the lowest published entry price for a roofing-native CRM with integrated financing. This is the sweet spot for most roofing contractors running 3–15 crews who want one platform instead of stitching together three or four tools.

If you’re a high-volume or multi-location operation: ServiceTitan is the enterprise choice, but budget for $5,000–$50,000+ in implementation costs and a 2–3 month onboarding timeline. Our AccuLynx vs ServiceTitan comparison breaks down the specific trade-offs.

If your customers need large loan amounts up to $100,000: GreenSky is worth evaluating, but only if your average job size is high enough to absorb dealer fees of 7–15%. Read the CFPB enforcement history before signing.

If you’re heavy in insurance restoration: Look for platforms that support insurance gap financing — specifically, the ability to offer financing to cover homeowner-paid upgrades above the insurance settlement. Hearth explicitly supports this use case. AccuLynx’s insurance tracking workflows pair well with this approach.

Questions to ask any financing platform before signing:

• What are your dealer fees by product type (standard vs. promotional)?
• What is the minimum FICO score for your lender network?
• How fast does instant prequalification take — seconds, minutes, or hours?
• Does the financing integrate with my existing CRM or roofing estimating and invoicing software?
• Is billing annual only, and what is the cancellation policy?
• Are there early termination fees?

Final Verdict: The Best Roofing Financing Software in 2026

AccuLynx is the clear winner for roofing contractors who want roofing financing software and a full business management platform in one place. The combination of roofing-specific CRM, digital proposals with embedded financing, aerial measurements integration, insurance tracking, and the new $250/month Essential plan makes it the most complete option for the widest range of roofing businesses. No other platform in this roundup is built exclusively for roofing while offering integrated financing at this level.

Hearth earns a strong recommendation for contractors who already have a CRM they’re happy with (or don’t need one) and just want to add a financing lender marketplace. The $1,499/year Essentials plan is the most affordable way to start offering customer financing options, and the 550 FICO floor means more approvals. Just go in with eyes open about the annual billing lock-in and the customer support issues users have flagged.

ServiceTitan is the right fit only if you’re running a large, multi-location roofing operation — or a multi-trade business — and you’re willing to invest $5,000–$50,000+ in implementation plus months of onboarding. The live supplier pricing integration from ABC Supply Co. and SRS Distribution is genuinely unique, but most roofing contractors don’t need (and can’t afford) this much platform. GreenSky fills a niche for high-ticket jobs requiring large loan amounts, but the regulatory baggage and high dealer fees limit its appeal. If you’re still weighing options, our software matching tool can help narrow the field based on your business size and priorities.