Financing
Home Exterior Financing in PA, MD & DE
TC Backer Construction offers financing through Service Finance Company, LLC for roofing, gutters, siding, windows, doors, decks, lighting, and solar projects of $1,000 or more — including 24 months same as cash with no interest and no payments during the promotional period. Applying takes minutes, approval is fast, and there are no prepayment penalties.
24 Months Same as Cash — No Interest, No Payments
Replace your roof or upgrade your exterior now, and pay nothing for a full 24 months. Pay no interest at all when the balance is paid in full within 24 months.
- No payments and no interest for a full 24 months
- No retroactive interest — if you don't pay in full within the promotional period, interest starts only after it ends, not back to day one
- No prepayment penalties — pay it off anytime
- Quick application, fast approval — apply online in minutes
- Projects of $1,000 and up qualify, across all our services
*Subject to credit approval. Financing provided by Service Finance Company, LLC. No interest and no payments for 24 months. If the amount financed is not paid in full within the promotional period, interest accrues from the first day after the promotional expiration date at the contract rate. See contract for details.
How it works
Financing your project in four steps
Get your free written estimate
We inspect your home and give you a free written estimate for exactly what your project needs — no charge, no pressure.
Apply in minutes
Complete a short online application through Service Finance Company. Most applicants get a decision quickly.
Review your terms
We walk you through your approved options — including 24 months same as cash — so you know exactly how your plan works before you sign anything.
Project now, pay over time
Your project gets scheduled and installed by our crews right away. You pay on the plan you chose — and you can pay it off early anytime with no penalty.
What it covers
Every exterior service we offer qualifies
Financing applies to any TC Backer project of $1,000 or more — from a gutter run to a full roof-and-solar system:
Why finance
Fix it now, not when it's worse
Damage doesn't wait
A leaking roof or failing gutters get more expensive the longer they wait. Financing lets you fix the problem now instead of after the water damage.
Keep your savings intact
Spread the cost over time instead of draining your emergency fund for a project your home needs today.
Insurance gaps covered
When a storm claim covers part of the job, financing can bridge your deductible or non-covered scope so the whole repair gets done right.
Real flexibility
Pay in full within the promotional period and pay zero interest — or keep the plan and pay it off early anytime, penalty-free.
Why choose TC Backer
Straight terms from a straight contractor
We're a family-owned exterior remodeling contractor serving Pennsylvania, Maryland, and Delaware since 2008, and a direct dealer with Service Finance Company, LLC. We explain your financing exactly as the contract works — no surprises, no fine-print games.
Common questions
Financing FAQs
Do you offer financing?
Yes. TC Backer Construction offers financing through Service Finance Company, LLC for projects of $1,000 or more, including a 24 months same as cash promotional option with no interest and no payments during the promotional period. You can apply online in minutes.
What does "24 months same as cash" mean?
It means you make no payments and pay no interest for 24 months, and if you pay the full balance within that promotional period, you pay zero interest — the same as if you'd paid cash up front. It's a promotional financing plan through Service Finance Company, LLC, subject to credit approval.
What happens if I don't pay it off within 24 months?
Interest begins accruing the day after the promotional period ends, at the contract rate stated in your loan agreement, and monthly payments begin. Unlike many deferred-interest offers, interest is not charged retroactively back to your project date — you only pay interest going forward from the end of the promotional period. Your contract states the exact terms.
Can I pay off my financing early?
Yes, anytime — there are no prepayment penalties. Many homeowners use the 24-month window to pay the project off on their own schedule and never pay a dollar of interest.
What projects can I finance?
Any TC Backer project of $1,000 or more qualifies — roofing, gutters, gutter guards, siding, windows, doors, decks, outdoor lighting, and solar roofing. That includes combining services, like a roof and gutters in one project.
How do I apply, and how fast is approval?
You apply through a short online application with Service Finance Company, LLC — it takes a few minutes, and most applicants receive a decision quickly. You can apply before or after your free written estimate, and we'll walk you through your approved options either way.
Is there a minimum project size for financing?
Yes — financing is available on projects of $1,000 or more. That covers everything from a seamless gutter installation up to a full roof replacement or solar roof system.
Explore
Financing & related pages
Protect Your Home Now — Pay Over Time
Get your free written estimate, then choose the financing plan that fits — including 24 months same as cash through Service Finance Company, LLC.
Request Your Free Estimate