Fix it now.
Pay over time.
A roof, siding or repair shouldn’t wait on your savings account. See your payment options in about a minute, and checking won’t affect your credit score.*
Financing through Foundation Finance Company, subject to credit approval.
Financing that’s actually easy.
No bank visits. No pile of paperwork. Perfect credit not required.
Prequalify in a minute
Answer a few questions on your phone. It’s a soft credit check, so your score isn’t touched.*
Pick a payment that fits
Terms from 12 up to 240 months. Choose a lower monthly payment or a faster payoff.
We get to work
Your project gets scheduled and done right. You make simple monthly payments to Foundation Finance.
What would my payment be?
Slide to your project size and pick a term. It’s a quick way to see what’s possible before you prequalify.
Example only, not an offer of credit. Your actual APR, term and payment come from Foundation Finance after you apply, and depend on your credit. Projects under $7,500 have terms up to 120 months.
Patching and waiting usually costs more.
Same house, three choices. A small monthly payment often beats paying twice.
Patch it every year
- Repair calls $400–$900 each
- Problem fixed? Not really
- Interior damage risk Keeps growing
- Value added to home None
Replace now, finance it
- Upfront cash Little or none
- Problem fixed? Yes, done right
- New roof warranty Yes
- Adds to home value Yes
Wait and save up
- Time to save Often years
- Leaks reach decking & insulation Likely
- Material prices Have been rising
- Stress level High
Example ranges for illustration. Your free inspection tells you exactly what your roof needs, including whether a repair is enough.
What most homeowners never get told.
Smart people use financing on purpose. Here’s why.
Keep your cash cushion
Draining savings for a roof leaves nothing for the furnace that quits in January. A payment keeps your emergency fund where it belongs.
Pay it off early, free
There’s no prepayment penalty. Tax refund or bonus? Throw it at the balance anytime and save on interest.
Promo plans: beat the clock
If you choose a same-as-cash or deferred promotion, set up payments to clear it before the promo ends. That’s how you win.
Small leaks get expensive
Water spreads into decking, insulation and drywall. Fixing the cause now usually costs far less than fixing the damage later.
Keep your invoice
A new roof is a capital improvement. Per IRS Publication 523, improvements add to your home’s cost basis, which can lower the taxable gain when you sell.
Own rentals? Think write-offs
On rental property, a new roof is generally depreciated over 27.5 years and many repairs are deductible (IRS Pub. 527). Ask your tax pro which applies.
Deduct it this year. Pay for it monthly.
Under Section 179, a new roof on nonresidential property placed in service in 2026 can qualify to be expensed, up to $2,560,000 (Rev. Proc. 2025-32). Pair that with monthly payments and the first-year tax savings can cover a big share of what you pay that year.
Illustration only, not tax or credit advice. Section 179 applies to qualifying roofs on nonresidential buildings, is limited to your business’s taxable income, and phases out above $4,090,000 of qualifying purchases. Your CPA confirms how it applies to you. Commercial financing terms vary by lender and credit; ask us about options for your property.
Whatever you need, there’s a payment for it.
Roof replacement
A full new roof for a monthly payment.
Learn more →Roof repair
Fix the leak now, not next year.
Learn more →Siding & gutters
Curb appeal without the big check.
Learn more →Windows & skylights
Upgrade comfort, spread the cost.
Learn more →Water softeners
Better water for a small payment.
Learn more →Remodeling
Kitchens, baths and rebuilds.
Learn more →Property managers & investors
Keep units rent-ready, protect cash flow.
Learn more →Realtors & sellers
Close-Ready Roof: pay at closing.
Learn more →Financing, answered.
Will checking my options hurt my credit?
No. Prequalifying uses a soft credit pull, which doesn’t affect your credit score.* A full application happens only if you decide to move forward.
Do I need perfect credit?
No. Foundation Finance works with a wide range of credit profiles. You’ll see what you qualify for in about a minute.
How long can I take to pay?
Terms run from 12 up to 240 months for larger projects, and up to 120 months for projects under $7,500.
Can I pay it off early?
Yes. There’s no prepayment penalty, so you can pay extra or pay it off anytime.
Can I finance part of my project?
Yes. You can finance the whole project or just part of it, whatever keeps your budget comfortable.
Does Repair King offer financing for businesses?
Ask us. Commercial projects can often pair a monthly payment with the Section 179 deduction. We’ll walk you through options during your free inspection.
Get the project done. Keep your cash.
See your payment options in about a minute. No obligation, no hit to your credit score.*
Check My Payment Options →*Prequalification uses a soft credit inquiry that does not affect your credit score. Financing is provided by Foundation Finance Company LLC, not Repair King, and is subject to credit approval. Not all applicants will qualify. Rates, terms and promotional offers vary and are set by the lender. Payment examples on this page are illustrations only and are not an offer of credit. Tax information is general education, not tax advice; consult a qualified tax professional. Licensed MN contractor BC695228.