Offer finance for roofing work

Finance that keeps roofs on and cash flowing

Britain’s roofing market is on the up, with revenue estimated at £7.3 billion in 2025 and momentum expected to build towards the end of the decade. Commercial pipelines look healthier as orders rise and planning approvals lift across key urban areas such as Manchester. Yet the picture is mixed on the ground. Enquiries have slowed for many contractors, materials have risen in price, and late payments remain a persistent drag on cash flow. In short, opportunity is growing at the top end while day-to-day certainty can feel elusive.

That is where offering finance alongside your quotes becomes practical, not promotional. A flat roof replacement now averages £70-£150 per m² depending on system, so a 50 m² job can quickly reach £3,500-£7,500. For many homeowners juggling higher mortgage rates, that is a tough lump sum. For businesses managing tenders and tight budgets, staged or flexible options remove friction. Finance helps customers act sooner while you protect margins and secure workload.

The commercial side tells a similar story. As large projects expand, payment terms can lengthen and variations add complexity. Late settlements have impacted a significant share of firms, increasing exposure to bad debt and straining working capital. Embedding finance allows you to be paid promptly by the lender while your client spreads costs in a way that suits their cash cycle. It reduces abandoned quotes, converts hesitant leads, and signals professionalism in a sector where certainty is valued.

Understanding APR is not just about percentages - it is about what your customer will actually pay. Clarity builds trust and wins work.

Offer finance well and it becomes part of your service standard: clear, compliant, and customer-friendly. Do that consistently and you will convert more jobs, smooth cash flow, and stand out in a competitive market.

Who benefits from pay-over-time roofing?

Homeowners facing urgent repairs or energy-efficiency upgrades often need predictability. A finance option turns a large lump sum into a manageable monthly line item, helping them proceed without delaying essential work. Landlords with planned maintenance cycles can budget more reliably across a portfolio, prioritising safety and reducing void risk. On the commercial side, SMEs and property managers can match repayments to rental income or seasonal cash flows, protecting working capital for other priorities.

For roofing contractors, finance reduces abandoned quotes, supports premium material choices, and lowers the risk of overdue invoices. It also gives your sales process a professional edge, especially when you partner with a reputable UK broker that offers a wide lender panel, rapid decisions, and compliant customer journeys.

Choose how to offer finance

1. 0% interest promotional plans - short terms funded by a subsidy to drive conversion.

2. Fixed interest loan terms - clear APR and fixed monthly repayments over 12-84 months.

3. Buy now, pay later - initial deferral followed by instalments if not cleared.

4. Deferred payment options - start the project now, first payment after 3-6 months.

5. Staged drawdown for larger jobs - align finance milestones with site progress.

6. Business finance lines - revolving or term facilities for commercial clients.

7. Unsecured personal loans via broker - fast soft search and pre-qualification.

8. Guarantor or joint applications - broaden eligibility for complex credit profiles.

Tip: Present two or three choices with clear monthly examples to avoid choice overload.

What it costs and why it matters

Who can qualify and what lenders look for

Eligibility depends on the product and whether the applicant is a consumer or a business. For homeowners, lenders typically assess UK residency, age, income stability, credit history, and affordability relative to other commitments. Soft searches are often used initially, limiting any impact on a customer’s credit file. For landlords and SMEs, lenders may review trading history, filed accounts, cash flow, and the property type being worked on. Larger commercial facilities can require director guarantees or security.

If you partner with a UK retail finance broker like Kandoo, you benefit from an established panel, which increases the chance of placing applications across a range of credit profiles. The process is designed to be transparent: customers see clear APRs, representative examples, term lengths, and total amounts repayable before proceeding. You can also set frameworks that match your typical job values, from urgent small repairs to full replacements. With the right setup, compliance is handled within the journey, decisions are fast, and funding to you is streamlined.

From quote to completion - a simple path

1. Present quote with two finance examples and totals.

2. Share a secure application link branded for your business.

3. Customer completes soft search and affordability checks online.

4. Receive conditional approval and confirm project scope and dates.

5. Customer signs agreement digitally and selects repayment date.

6. Start works after cooling-off or as product permits.

7. Confirm installation completion and trigger your pay-out.

8. Support aftercare and warranties for long-term satisfaction.

Balancing the upsides with practical realities

What to check before switching finance on

Finance should simplify decisions, not complicate them. Start by reviewing your typical job sizes and regional pricing so monthly examples feel realistic. Confirm how and when you are paid, including completion triggers and any cooling-off periods. Map the customer journey from quote to post-install support and make sure your team can explain APR, term lengths, total repayable, and early settlement clearly. Finally, check that the products fit mixed demand - from small emergency repairs to full reroofs - and that your compliance duties are fully supported. A clear, consistent approach yields better acceptance rates and fewer disputes.

Alternatives if finance is not the right fit

1. Phased scopes - split the works into essentials now, upgrades later.

2. Insurance claims support - assist with documentation to unlock cover.

3. Grants and schemes - explore any local energy-efficiency support.

4. Commercial lease arrangements - align payments to income on larger sites.

5. Retentions with staged invoicing - reduce client outlay while protecting you.

Common questions answered

Q: Will offering finance slow down my quoting process? A: No. With a brokered digital journey, you can present examples in minutes and share an application link alongside the quote.

Q: Do I need FCA authorisation to introduce customers? A: Many brokers provide an appointed representative route or regulated pathways, so you can operate compliantly without building your own framework from scratch.

Q: How soon do I get paid once the job is done? A: Typically on installation confirmation, subject to product rules and any cooling-off. This is designed to protect your cash flow.

Q: What if my customer settles early? A: Most consumer loans allow early repayment, often fee-free. Customers reduce interest, and you maintain goodwill without admin overhead.

Q: Are 0% plans worth the subsidy? A: For price-sensitive jobs they can lift conversion significantly. Model the uplift in won work against the buy-down cost to confirm margin impact.

Q: Does finance help in commercial tenders? A: Yes. Flexible terms and staged drawdowns can strengthen bids, especially where clients prioritise cash flow or face budget cycles.

How Kandoo helps you win and deliver

Kandoo is a UK-based retail finance broker. We connect roofing firms and their customers to a broad panel of lenders, offering fast decisions, clear APRs, and compliant journeys. You get streamlined pay-outs and higher conversion, while your clients spread costs with confidence. Speak to us to enable finance on your quotes and turn more enquiries into booked work.

Important information

All finance is subject to status, affordability, and lender criteria. Terms, APRs, and pay-out timings vary by product and provider. Early settlement rules may apply. Always provide clear totals and representative examples. This content is for general information only and is not financial advice.