How Financing Works
Here is how it actually works at Stellar. No teaser rates, no gimmicks, and nothing you have to read the fine print to understand.
Small Repairs to Full Replacements
Financing is available on repair work, storm damage, partial replacements, and full roof replacements. If it's a $900 flashing repair or a $70,000 roof, there is a program for it. An urgent problem doesn't have to wait on cash.
Multiple Lenders, Not One
Most roofing companies hand you one lender's application and hope it works. We work with several, and they cover different situations: small dollar amounts, strong programs for well-qualified homeowners, and options for people whose credit has taken a hit. One application that doesn't fit has somewhere else to go. Because we shop more than one lender, you get the most competitive terms you qualify for, not the terms one lender happens to offer.
Applied For at Your Estimate
The application is quick, and we walk you through it in person while we're already at the property. Most decisions come back the same day, often while we're still standing in your driveway.
Insurance Claim Support
If the damage is storm-related, we document it and work directly with your adjuster. Financing can cover the deductible or the gap between what the claim pays and what the roof actually needs.
Approval amounts and terms are set by the lender, not by Stellar Roofing Company, and depend on your credit. We don't quote rates or payments, because they aren't ours to quote. Your actual terms come from the lender when you apply.
Financing for Commercial and Multi-Family Projects
Very few roofing companies in West Michigan can finance a commercial roof. We can.
If you own or manage a commercial building, an apartment complex, a church, or an industrial property, a roof replacement or restoration doesn't have to come out of this year's capital budget in one hit. We work with commercial lending partners who finance roofing projects for businesses and property owners, so the roof gets fixed on the roof's schedule instead of the budget's.
Commercial financing is available on repairs, coatings and restoration, recovers, and full replacements. Terms are set by the lender and depend on the business and the project. Ask about it at the estimate and we'll walk you through what's available.
Benefits
- Fix or replace the roof now, before the damage spreads
- Spread the cost over time instead of draining savings
- Get the roof the house or building actually needs, not the one the checkbook allows this month
- Keep capital in the business instead of on the roof
Active Leak Right Now?
If you currently have an active roof leak, call us immediately.