Bold City Roofing & Solar
Financing Options
Affordable Ways to Pay for Your New Roof
A roof rarely fails at a convenient time. Bold City Roofing and Solar partners with trusted lenders so you can protect your home now and pay over time — with no money down and payments that fit your budget.
$0 Down
Start your project without draining savings.
Fixed Rates
Predictable payments for the life of the plan.
Fast Approvals
Apply from home and know where you stand in minutes.
Compare Your Two Options
Both programs cover full roof replacements, repairs, and solar. Here's how they differ.
Home Improvement Loan
A traditional fixed-rate home improvement loan you qualify for with your credit. Apply in minutes, get a decision fast, and start your roof without paying anything up front.
- No upfront costs and no prepayment penalties
- Fixed interest rates with a 0.50% discount on autopay
- No-interest promotional options available
- You own your roof and system outright
- Typical terms
- 5 – 15 years
- Loan amounts
- Up to $55,000
- Qualification
- Credit-based approval in minutes
- Availability
- All 50 states, including Florida
Best for: Homeowners with solid credit who want a straightforward monthly payment and the option to pay it off early.
Equity Financing
Equity financing is repaid over time as a line item on your property tax bill. Approval is based on your home equity and payment history rather than your credit score, which opens the door for many Florida homeowners.
- No FICO score requirement and no upfront fees
- 100% financing available for qualified projects
- Fixed, competitive rates with flexible repayment terms
- Built for hurricane-resistant and energy-efficient roofs
- Repayment
- Added to your annual property taxes
- Financing amount
- Up to $250,000
- Qualification
- Based on home equity, not credit score
- Availability
- Participating Florida counties
Best for: Homeowners who prefer no money down, want longer terms, or don't want approval tied to a credit score.
How Financing Works
1. Free Inspection
We inspect your roof and give you a written, itemized estimate at no cost.
2. Pick Your Plan
We walk you through the home improvement loan and equity financing options so you can compare payments side by side.
3. Apply Online
Apply from home in a few minutes. Most homeowners get a decision the same day.
4. We Get to Work
Once you're approved, we schedule your install. Payments start after the work is done.
Questions Homeowners Ask Us
Does applying hurt my credit?
The home improvement loan runs a credit check as part of the application. Equity financing does not use your FICO score to qualify — it looks at your property and payment history instead.
Can I pay the balance off early?
Yes. Home improvement loans have no prepayment penalty. Equity financing is tied to your property taxes and is typically paid off when you refinance or sell, and can often be paid down sooner — ask us and we'll confirm the specifics for your county.
Will insurance pay for part of my roof?
Often, yes. If storm or wind damage is involved, we handle the insurance claim process and financing can cover your deductible and any upgrades insurance doesn't pay for.
Which option should I choose?
We'll walk you through both after your free inspection. Call (352) 432-2226 and we'll compare real monthly numbers for your project.
Financing is provided by third-party lenders, not by Bold City Roofing and Solar. All financing is subject to credit approval, underwriting requirements, and program terms. Rates, terms, and amounts shown are examples published by each lender and may change. Equity financing is secured by a lien on your property and is repaid through your property tax bill.
Ready to Get Started?
Get your free roof inspection and a financing plan that fits your budget.