HOA Financing For Roofers Blog

How Roofing Contractors Can Unlock Stalled HOA Jobs With Financing

Intro

Working with community associations can be anything but straightforward.

Between long approval cycles, scope changes, partial project approvals, underfunded reserves, and slow payments, it’s a challenge to keep jobs moving and even harder to keep cash flowing.

You probably have proposals out right now to associations that need the work, want the work, and agree it’s urgent… but haven’t moved forward.

Let’s be honest:
It’s not your pricing. It’s not your product. It’s their reserves.

Most Florida HOAs simply don’t have the cash to cover a six- or seven-figure roofing project. And in today’s environment, boards are reluctant to approve a large HOA special assessment that puts financial pressure on every homeowner.

Why HOA Roof Projects Stall

You quote the job.
The board is onboard.
They know the roof is past its useful life.
But then… crickets.

Here’s what’s usually happening behind the scenes:
- Their reserve study shows a huge funding gap
- Their reserves are underfunded or nonexistent
- They can’t raise dues fast enough to close the gap
- A special assessment would lead to owner revolt, lawsuits, or recall
- They don’t know there’s another way

That’s where HOA financing comes in.

The Solution: Help Boards Fund the Roof Without the Assessment

When you offer HOA project financing through your proposals, you instantly remove the biggest obstacle to getting the job approved.

Whether it's HOA loans, association loans, or condo association loans, you're giving the board a path forward without political blowback, financial panic, or lengthy delays.

With reserve funding loans, associations can:
- Fund 100% of your roofing project upfront
- Spread repayment over 3–25 years
- Avoid massive special assessments
- Comply with SB 4-D reserve funding laws
- Keep monthly payments per unit manageable

And for you?
That means faster approvals and faster payments.

Real Math = Real Momentum

Let’s say you propose a $1.2M roof replacement for a 100-unit condo.

- With no financing: board needs to issue a $12,000 special assessment per unit.
- With HOA financing: monthly repayment = $120/unit/month over 25 years.

Which scenario do you think gets approved faster?

Why Roofing Contractors Should Care

If you’re in Florida, HOA roofing projects are your growth lane. These jobs are large, repetitive (due to Florida’s climate), and increasingly urgent due to Senate Bill 4D (SB 4-D).

But here’s the kicker:
If you can’t help the board find a way to pay, they can’t say yes no matter how good your bid is.

When you present a financing path:
- You stand out from other roofers
- You help the board solve their biggest problem
- You build trust with CAMs, engineers, and board attorneys
- You increase your close rate and job size
- You control the deal, not just hope it closes

What to Say to HOA Boards

“We work with a financing partner that helps associations fund large roofing projects with 100%. Instead of issuing large special assessment per unit, we can help you break it down into manageable monthly payments. We’ve seen boards go from quote to approval in weeks, not months.”

Offer a Solution, Not Just a Bid

Don’t just send a proposal send a financing path.

We’ll provide you with:
- A co-branded monthly per-unit breakdown
- Sample language for your next board proposal
- An HOA Financing Flyer you can leave behind
- Support presenting at board meetings
- Lead gen opportunities from associations already pre-qualified

Get Your HOA Roofing Finance Kit

If you want to turn proposals into closed jobs, offer more than shingles and scope.
Offer a solution to the real problem: how to pay for it.

👉 Request your free HOA Roofing Finance Kit
Or visit HOALoans.com to get started.