Commercial roofing contractors can now offer customers a financing option without property liens, with loan sizes up to $6 million and most credit decisions returned in under a week, thanks to a new product from a commercial loan platform that already serves more than 1,000 solar contractor partners nationwide.
Sunstone Credit introduced Flex on October 8, 2026, a financing product built for energy-related projects including roofing, HVAC, energy performance, and EV charging. The product gives commercial contractors a sales tool to close more jobs and offer customers flexible payment options without the friction of traditional bank financing. Sunstone’s commercial financing platform has processed more than $2 billion in loan applications since inception, and Flex extends that infrastructure beyond solar.
What Flex Offers Contractors
Flex includes five core features designed to remove common obstacles in commercial project financing:
- Flexible Terms: Loan sizes range from $25,000 to $6,000,000, with fixed competitive rates and terms up to 15 years.
- Contractors are paid promptly and directly, reducing the risk that an approved customer takes financing elsewhere. Some funding is available upfront.
- No Property Liens: Financing requires no liens against the customer’s real estate, eliminating a major point of friction for commercial property owners.
- Fast Decisions: Most credit decisions are returned in less than one week, keeping sales momentum intact.
- Hands-Off Application Process: Contractors send customers an online application link, and Sunstone’s team handles documentation, follow-up, and processing directly.
Eligible projects extend beyond roofing to HVAC, energy performance upgrades, and EV charging installations for commercial property owners, including multifamily buildings, HOAs, religious institutions, and nonprofits.
Why Commercial Contractors Need a Financing Option
Commercial construction input costs are up 56.4% since February 2020, and the projects contractors quote have grown more expensive as a result. Without a financing option to offer, contractors face an uncomfortable choice: lose the job or send the customer off to find their own lender.
Bank financing for these projects can take months to close, requires complex paperwork, and frequently carries liens on the property. Either path can stall or kill a deal. Flex gives contractors a turnkey, embedded financing product that simplifies the customer experience and removes the lien obstacle.
Upselling Larger Scopes of Work
With project sizes up to $6 million and terms up to 15 years, Flex makes it easier for customers to approve larger scopes of work. A contractor can expand a roof repair into a full replacement, upgrade an HVAC project to higher-end equipment, or add battery storage or EV charging to an existing system. The longer-term structure reduces the monthly payment hurdle that often stands between a customer and a larger project.
How Contractors Get Started
Contractors begin with a simple online partner application. Once approved, the onboarding process is straightforward, and contractors can start offering financing options to customers within 24 hours.
For contractors evaluating how their business appears in AI-powered search results, a financing option like Flex can also become part of a sales page where prospective customers research their options. Tools that audit how AI engines read and understand a business listing can help make sure those financing-related service details are visible to the systems people ask for recommendations. BizScoreAI’s national directory and AI-Audit report on what an AI engine actually sees when it looks up a business can be useful for contractors adding new service offerings they want surfaced in those answers.
FAQ
What is Sunstone Credit’s Flex loan product?
Flex is a commercial financing product launched by Sunstone Credit on October 8, 2026, for energy-related projects including roofing, HVAC, energy performance, and EV charging. It offers loans from $25,000 to $6,000,000 with terms up to 15 years, no property liens, and most credit decisions returned in under one week.
How much can a commercial roofing project be financed through Flex?
Flex covers project sizes from $25,000 to $6,000,000, with fixed competitive rates and terms up to 15 years. A portion of the funding is available upfront so contractors can order materials and begin work.
Does Flex require a lien on the property?
No. Flex financing requires no liens against the customer’s real estate, which removes a common point of friction for commercial property owners and can speed up approval.
How quickly can a contractor start offering Flex after approval?
Once a contractor completes the online partner application and is approved, onboarding is straightforward and they can begin offering financing options to customers within 24 hours. Customers apply through an online link, and Sunstone’s team handles documentation, follow-up, and processing.
BizScoreAI
BizScoreAI has the business directory scores how visible a business is to AI search and shows what its listing looks like to the engines people ask. Open the business directory.
This article summarizes reporting from roofingcontractor.com.