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Quality Roofing Work With Payments That Fit Your Budget

Roof Financing Options for Repairs and Replacements

A roof replacement or major repair is one of the most significant investments you can make for your home. Because your roof is your line of defense against the elements, this vital work should not be delayed because of the upfront cost.

At Summit Roofing & Restoration, we pair quality roofing work with flexible financing through our lending partner, Service Finance Company, so you can move forward with your project without worry. If you are dealing with storm damage, aging materials, or an active leak, we can help you get the work done now and pay over time with predictable monthly installments.

  • Family Owned & Operated

  • 4.9 Stars on Google

  • Over 18 Years of Industry Experience

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All Eligible Projects Handled Under One Contract

What Roofing Projects Can Be Financed

While many companies restrict financing to complete replacements, our flexible payment options cover the full spectrum of our services. From minor storm repairs to complete system overhauls, you can finance the exact scope of work your property needs.

  • Roof Replacement: Don’t wait until your next budget cycle to protect your home. Our tailored payment plans lets you secure your property now by breaking down the cost of full roof replacements into flexible monthly payments.
  • Roof Repairs: Structural issues, flashing failures, or ventilation corrections shouldn’t be left unaddressed. We treat targeted repairs with total financial flexibility, allowing you to fix minor leaks immediately before they escalate into incredibly expensive, long-term property emergencies.
  • Storm Damage Restoration: After a storm, insurance may cover a portion of your roof restoration. However, deductibles and non-covered items still leave out-of-pocket costs. Financing covers the difference, allowing your project to move forward without delay.
  • Commercial Roofing: Business owners and property managers can also explore financing for commercial roofing projects without sacrificing cash flow. The application and approval process work the same way as for residential customers.
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A stylish SUV with a green and black company logo is parked in front of a large, elegant house. The house has a well-maintained lawn, surrounded by trees and shrubs, under a partly cloudy sky.

A triangular badge with a metallic finish featuring the words "Golden Pledge" in bold letters, topped by "GAF" and "Master" alongside the word "Stepper." Below it reads "Limited Warranty.

Flexible Financing Made Easy

How Our Roof Financing Works

We believe securing financing should be just as seamless as the roof repair itself. Instead of leaving you to navigate third-party lenders on your own, our team handles the entire process in-house, giving you a single, hassle-free point of contact from application to approval.

 

  1. Schedule Your Inspection

Contact us to schedule a no-cost roof inspection. One of our project consultants will assess your roof’s condition and identify any needed work.

 

  1. Receive Your Estimate

Based on the inspection findings, we provide a detailed estimate outlining the scope, materials, and cost. Every line item is visible before you approve.

 

  1. Review Financing Options

Once you have your estimate, we will walk you through available roof financing options with Service Finance Company.

Our financing solutions are designed for your convenience:

You choose the plan that fits your budget, and our team can walk through the numbers with you before you commit.

 

  1. Project Scheduling and Installation

Once financing is approved, we schedule your project. From there, our crew handles the installation according to the standards our manufacturer certifications require. You can view examples of our completed work in our project gallery.

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Trusted Work Backed by Proven Results

Why Homeowners Choose Summit for Financed Roofing Projects

Every financed project carries the same commitment to quality that has kept homeowners coming back to us since 2007. We are one of the roofing companies with financing that provide a flexible payment plan while ensuring high-quality standards in every project.

Over 18 Years of Industry Experience

Since 2007, we have diagnosed, restored, and replaced roofs across the Mid-South. Our extensive field experience allows us to look past surface-level issues and build lasting defenses against regional weather.

Manufacturer-Certified Installations

Summit holds certifications from GAF and CertainTeed, two of the industry's most recognized material manufacturers. These credentials give you access to extended warranty coverage that other roofing contractors may not be able to offer.

Family Owned, Locally Operated

Those certifications belong to a locally owned company, not a national chain. Summit is a family-owned business rooted in the communities we serve. When you call us, you are speaking with people who live and work in the same region you do.

A Track Record You Can Verify

Our 4.9-star Google rating is not a marketing line. It is the result of thousands of homeowners who trusted us with their roofs and felt confident enough to say so publicly.

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Our Simple Process

You Can Trust Us Through Every Step

Step 1

Step 1

Initial Contact

Reach out to our residential roofing contractors in Arkansas and Tennessee. Our local experts are here to listen to your concerns.

Step 2

Step 2

Home Inspection

We perform a thorough inspection to assess your roof’s condition and identify any issues that need attention.

Step 3

Step 3

Custom Roofing Plan

Based on our findings, we provide a detailed estimate and outline a solution that fits your needs and budget.

Step 4

Step 4

Roof Installation

Once everything is approved, our crew begins the installation or repair. We stick to our trusted materials and proven techniques.

Step 5

Step 5

Final Quality Checks

After the work is complete, we conduct a final inspection to ensure everything meets our standards — and your expectations.

We follow a clear process and guide you through each stage, so you always know what to expect. We also assist with insurance claims after storms to help make your project more manageable.

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See Real Projects Near You!

Hear What It’s Like To Work With Our Team

What Our Customers Are Saying

We are proud of our work and the trust it has earned. Read what homeowners and business owners have shared about their experience with Summit Roofing & Restoration.

Great communication, professional work and a reasonable price. What more could you want?I’ve already referred Summit Roofing to the neighbors.

Cindy S

Google
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Summit saved me after another company delayed installing my new roof. They really sped up the process and provided great service. They made me feel valued as a customer. Couldn’t be happier…

Elizabeth K

Google
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Bentley & Trey did a great job fixing a leak in the roof. On a rainy day, they had the roof leak fixed less than an hour after we called - that…

Alvin P

Google
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Chris was a pleasure to work with and kept me updated during the whole process with the insurance. They did a great job and the roof looks wonderful!

Deirdre O

Google
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I recently had Summit take over an insurance claim another contractor could not manage. So I was very skeptical of the roofing process. However Josh from Summit came out and walked me…

James H

Google
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The quality of material and workmanship of the roofing crew was 2nd only to the professionalism and transparency of Mr. Bentley. Mr. Bentley took the time to go through every aspect of…

Joseph D

Google
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Amazing company. The salesperson, Chris was very knowledgeable and answered all of our questions, so we were comfortable with our choice of roofing company. The work crew was a well-oiled machine that…

Kelly P

Google
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We live at the top of a hill and the wind had knocked some roof tiles off. I called several “emergency” roofers. Several said they couldn’t come out because it was wet.…

Louis R

Google
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We purchased a new roof and gutter system from Summit and they were exceptional throughout the entire process from consultation to installation. Communication from Josh has been great and he helped us…

Marc U

Google
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I can't say enough about Summit Roofing. During a rainstorm I had a leak coming through my attic into a bedroom. I didn't know who to contact and sent requests to multiple…

Matthew H

Google
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Mike Smith, our Sales Representative, with Summit gave us an excellent quote and followed up to be sure everything was completed to our satisfaction. Mike along with Chris Henley successfully submitted a…

Philip A

Google
A close-up of an older person wearing glasses and smiling. The background features a wall with part of a framed picture visible.

These guys were so amazing! Trey worked with us to see if our insurance would help cover the new roof, and when they wouldn’t, he helped us get financing and come up…

Rachel C

Google
A person with long hair and a headband smiles at the camera. They are wearing a checkered shirt and standing in a shaded area, partially illuminated by natural light.

I can not say enough good things about Summit Roofing and Restoration in Atoka, TN. My house was damaged by a tornado, and Summit helped me get everything fixed. Summit installed a…

Renee S

Google
Portrait of a woman with shoulder-length dark hair, looking directly at the camera. She is in a close-up shot, wearing a dark top, with a neutral expression, and the background appears to be the interior of a car.

Very prompt on time showing up, friendly, spotted issue and repaired. Blane was very nice and answered all my questions. Thank you so much...will use Summit in the future and highly recommend.

Theresa S

Google
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Roof Financing FAQs

Do I need good credit to qualify for roof financing? 

Service Finance Company offers plans across a range of credit profiles. The online application process takes only a few minutes, and you will receive a decision quickly. If one plan does not fit, our roofing contractors that finance can help you explore other available options. 

Is there a minimum or maximum project size for financing?

Financing is available for both repairs and full replacements. The same financing process applies to targeted fixes and complete re-roofs alike.

Will financing delay my roofing project?

Credit decisions through Service Finance are returned quickly, often the same day. Once approved, we schedule your project just as we would for any other customer. Financing should not push you to the back of the line.

Can I pay off my balance early?

Service Finance does not charge prepayment penalties. You are free to pay down your remaining balance faster than your original schedule, and no extra fees apply for doing so.

What if my roof has storm damage and I am also filing an insurance claim?

You can use financing to cover your deductible or any portion of the project not covered by insurance. Many homeowners combine insurance proceeds with a financing plan to eliminate out-of-pocket costs at the time of service

Serving Places We Call Home

Areas We Serve

From strong summer storms to seasonal wear across the Mid-South, our team understands the roofing concerns local homeowners and commercial property owners face. We proudly serve Memphis, Nashville, Jackson, Southaven, Jonesboro, and surrounding communities across Tennessee, Arkansas, and Mississippi.

FIND A TEAM NEAR YOU
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Flexible Payments. No Delays

Start Your Project Today

Protecting your home and managing your monthly budget are not competing priorities. We give you a way to handle both with a contractor you can trust and a payment structure that works on your terms. Schedule your free roof inspection today, or apply for financing directly to get started.

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Our Locations

Reliable Roofing For Tennessee, Arkansas, & Mississippi

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We’re The Missing Piece Your Roof Needs!

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