*This article was updated on June 4, 2025.

The roofing industry has a notorious reputation as a late adopter of technology, so it’s been quite a feat to see the various fintech firms that have long offered their wares to other home service industries make inroads into a once-Luddite world.

The latest entrant into the “better operations through technology” field is GoodLeap, long known for its point‑of‑sale financing in solar and HVAC. GoodLeap, like other SaaS offerings, has expanded into roofing, unveiling its GoodLeap Payments system today. 

The rollout follows a period in which the fintech company has financed more than $23 billion in home-improvement loans and integrated its software into leading contractor platforms. 

With checks still the dominant payment method for nearly seven in 10 contractors, according to a study by PYMNTS.com, GoodLeap is betting that its mobile-first approach and financing pedigree will win over roofers accustomed to multi-week payment cycles.

GoodLeap Payments builds on the company’s rebranding from Loanpal in 2021 and its rapid expansion into home‑services software. Its app, already embedded in platforms such as ServiceTitan and Enerflo, has been praised by HVAC and solar contractors for streamlining loan origination and disbursement. Now, GoodLeap is adding eCheck scanning, tap‑to‑pay with NFC-enabled smartphones and remote payment links to its feature set, along with a unified dashboard for refunds and chargebacks. 

During a recent Q&A with Grace Eberle Kaznecki, GoodLeap’s head of payment solutions, she said her team focused on “eliminating manual hand‑offs and bank‑processing delays” while preserving familiar workflows for contractors and customers.

GoodLeap stated that contractors who have piloted the new payments tool report significant time savings, citing one multi-location HVAC outfit in Texas. The company estimates that automating eCheck collection alone has cut reconciliation time by more than half. Another solar installer in California noted that instant deposit notifications have virtually eliminated the two- to three-day float on paper checks.

Roofer as Client

Roofing presents unique challenges. Unlike solar, where financing is often baked into the sales process, roofers traditionally require upfront deposits, progress payments and final settlements spread among multiple stakeholders. 

Late or incomplete payments can stall material orders, delay crews and squeeze already thin profit margins. Industry surveys indicate that roofers typically wait an average of 45 days to receive final payment for commercial jobs and up to 60 days for residential work.

Into this gap stepped Roofr, a nine-year-old roofing software newcomer that has built a robust CRM and estimating platform. Roofr raised $23.5 million in October 2023 from Vertical Venture Partners and ABC Supply Company to develop payment and material-purchasing modules. 

Brad Corona, managing director at Vertical Venture Partners, which led the funding round, said the firm's belief in Roofr's potential to enhance efficiency and drive sustainability is "significant."

The site currently displays a 4.7‑star rating across more than 1,000 contractor reviews, with many applauding its accuracy in measurement and speed of proposal generation. Roofr’s payment module, which has transitioned out of beta and offers a tiered pricing scheme, is a dominant player in the space, boasting a dedicated CRM and established brand recognition.

Kate Robertson, director of brand marketing at Roofr, also noted that the two companies work cooperatively, as Roofr has an integration plugin that is compatible with GoodLeap.

GoodLeap claims that its financing backbone gives it an advantage for its clients. By providing volume-based pricing with no platform fees and lower ACH rates, it asserts that contractors can save up to $10,000 a month compared to traditional merchant acquirers. 

It also touts its QuickBooks integration, which automatically reconciles payments, loans and vendor disbursements in a single ledger. During the pilot phase, roofers using GoodLeap Payments experienced a 12-day decrease in their Days Sales Outstanding (DSO), according to company data.

Eyes on Efficiency

The broader fintech market is watching. Business Insider highlighted GoodLeap’s GoodGrid virtual power‑plant network as evidence of the company’s ambition to integrate finance and energy software. GoodLeap secured preliminary ratings from KBRA in November for a $428.8 million securitization of home improvement loans, underscoring investor confidence in its collateral pools, according to a November 2024 report by KBRA, a credit rating analysis agency.  

In December, Enerflo announced that GoodLeap’s point-of-sale financing would be integrated into its solar sales platform across 15 states. 

For roofing contractors, GoodLeap officials say they can meet their niche business focus while delivering the back‑office simplicity and financing flexibility roofers require. 

Kaznecki emphasizes that her team has studied roofers’ workflows in depth, adapting the app to function reliably on sloped surfaces and in low‑connectivity environments. 

“We built the playbook with branch‑by‑branch rollouts and dedicated onboarding specialists,” she said. “Contractors don’t have time for drawn‑out training.”

Roofing‑industry observers point out that GoodLeap’s move signals a convergence of home‑services finance and operations software. As companies like Roofr and Enerflo expand beyond their original niches, contractors will face more choices — and potentially more complexity — in selecting a platform.

To evaluate which solution fits best, contractors should compare the total cost of acceptance, integration depth and customer support responsiveness. Those already using QuickBooks, ServiceTitan or Enerflo may find GoodLeap’s seamless connections appealing.

GoodLeap Payments says it is available immediately to contractors in all 50 states, with onboarding teams ready to assist multi‑location firms. 

The roofing market’s shift toward integrated, mobile-first payments could reshape cash flow management across the industry. For contractors, the choice between a fintech veteran with deep lending roots and a specialist roofing software upstart may come down to which platform best balances reliability, cost and ease of use. 

As roofing firms deliberate, the broader home‑services fintech landscape will be watching whether GoodLeap’s big‑bang entry delivers on its promise of faster funding and leaner operations.

*Correction: The article incorrectly stated Roofr launched five years ago; it was founded in 2016. Roofr has transitioned its payment module out of beta to a fully functional, integrated CRM with a tiered pricing plan. We regret the error.