Guides for roofing owners who offer financing

Advertising roof financing honestly

Advertising roof financing: what the rules expect explains what happens when a roofing ad moves from "payment options available" to "from $149 a month".

It covers:

• the federal-provincial template for cost-of-credit disclosure, and why stating a rate or payment in an ad can require more information alongside it
• misleading-advertising risks under the Competition Act, including drip pricing and unsupported energy claims
• why your lender agreement is usually the first rulebook to check
• Canada's anti-spam rules for texts and emails about financing
• an eight-question checklist to run before any financing ad goes out

Read it before you write anything about financing, and give a copy to whoever writes your ads.

Working out what financing is worth

Roof estimate math is a step-by-step worksheet for deciding whether financing marketing makes sense for your company.

It shows you how to:

• size the pool of estimates lost on price or timing
• estimate conversions in cautious, middle and hopeful cases
• subtract dealer costs, including on jobs that would have paid cash anyway
• measure the upgrade effect when homeowners choose better options
• compare the result with what the marketing costs

Many owners find the honest answer is "fix follow-up first". The guide helps you find out before spending money.

When to talk about financing during the year

The season-by-season calendar maps financing messages onto the roofing year: late-winter pre-season, spring peak, summer gap-filling, the early-autumn push and the off-season.

It also includes a table showing how regional climates shift the calendar, from BC's wet coast to the long Prairie winters and the short northern season, and a month-by-month checklist.

How the guides connect to our services

Each guide links to the service that puts it into practice:

You don't need our services to use the guides. If you'd rather have help, the services overview explains each one and the contact page explains how to reach us by call, text or email.

Who should read which guide

Different people in a roofing company get different value from each guide:

• Owners should start with the estimate math guide. It answers the question that matters most: is financing worth the effort and the dealer costs for this business?
• Office managers and whoever writes your ads should read the advertising rules guide, because they're the ones whose words end up in front of homeowners.
• Sales managers and estimators will get most from the season calendar, which explains when a financing conversation helps and when it just gets in the way.

Each guide takes about fifteen to twenty minutes to read, so one fits comfortably into a rainy morning when the crews are off. The worksheets and checklists are designed to be printed and filled in with your own numbers.

What the guides don't cover

We deliberately leave some topics out:

• Which lender to choose. We don't name or rank lenders.
• Rates and terms. Those come from the lender and change over time.
• Legal interpretation. We link the official sources and summarise them; a lawyer interprets them for your situation.
• Roofing technique. We're not a contractor, so we don't advise on materials, installation or building code compliance.

Those boundaries keep the guides accurate. Where a topic needs a professional, we say so and point you to the right office.