Your association needs a new roof. Nobody wants a five-figure special assessment. All Phase Construction USA replaces association roofs — dual-licensed (CCC-1331464 & CGC-1526236), with $1M–$2.4M community projects completed — and our financing partner TuCielo funds the work with a fixed-rate association loan repaid monthly. Call (754) 227-5605 for a free association roof assessment.
A $1M roof replacement for a 100-unit association means a $10,000 per-unit special assessment due up front — owner pushback, recall threats, and delayed work. The same roof financed over 25 years at a fixed rate works out to roughly $92 per unit per month. At $2.5M, the lender's illustrative example is about $210 per unit per month instead of $25,000 per unit up front. (Illustrative figures at 8.99% fixed with closing fees and debt-service coverage financed; actual terms set by underwriting.)
1. Free association roof assessment. We inspect, document, and deliver a written, line-item scope and price your board can present to owners.
2. We introduce your board to TuCielo. One referral from All Phase and TuCielo's Florida association-financing team handles the entire money conversation.
3. TuCielo underwrites the association, not a checklist. Decisions in weeks, loans from $500K to $15M+, terms to 25 years — including associations banks have declined, and SIRS-mandated reserve funding alongside the capital project.
4. Funding matches our contract milestones. Disbursements follow the payment schedule in our roofing agreement, so crews are paid on time and the project never stalls waiting on money.
Dual-licensed where it matters. Holding both the Certified Roofing Contractor (CCC-1331464) and Certified General Contractor (CGC-1526236) licenses means structural conditions uncovered during tear-off — decking, trusses, roof-to-wall connections — are handled in-house under one agreement instead of stopping the job.
Association-scale track record. Completed community roof replacements at $2.4M and $1.2M plus institutional commercial work, with boards, property managers, and engineering-report requirements part of the normal workflow.
Built for Florida's new reality. Milestone inspections and SIRS reserve requirements are forcing roof decisions associations didn't budget for. We document everything for your engineer, your insurer, and your owners' meeting — and every installation meets HVHZ requirements in Broward County and Palm Beach County wind-code requirements.
Associations with 15 or more units; projects from roughly $500K to $15M+. Roofing and waterproofing are primary qualifying project types, alongside concrete restoration, impact windows and doors, and other common-area capital improvements. Existing association loans can be refinanced and new scope added in one transaction.
Financing is not free money. Closing fees (about 5%) and a debt-service coverage reserve are financed into the loan, rates are fixed but real (illustrative examples use 8.99%), and a special assessment still exists legally — it is converted into manageable monthly payments, not eliminated. What financing buys is the ability to do mandatory work now, at today's construction prices, without a five-figure demand on every owner. All Phase Construction USA is a roofing and general contractor, not a lender; financing is provided by TuCielo (powered by Ygrene Energy Fund Inc.) and all terms are determined solely by TuCielo underwriting.
Yes. Through our financing partner TuCielo, Florida condo and homeowner associations can fund a full roof replacement with a fixed-rate association loan and repay it monthly — converting a large lump-sum special assessment into a manageable per-unit monthly payment.
The association is the borrower. Board members are not personally liable, no liens are placed on individual units, and the loan does not affect individual unit owners' credit scores.
Illustrative lender example: a $2.5M project over 25 years at 8.99% fixed for a 100-unit association is roughly $210 per unit per month, versus a $25,000 lump-sum assessment per unit. Actual figures depend on underwriting.
Yes. TuCielo finances required reserves, including SIRS-mandated funding, alongside the capital improvement itself.
Associations with 15+ units, with financing from roughly $500K to $15M+.
No. TuCielo targets a decision in weeks, and funding is disbursed to match the payment milestones in our roofing agreement, so the work never stalls.
Bring your board a roof and a way to pay for it. Call (754) 227-5605 for a free association roof assessment — or see our commercial roofing services and tile roofing systems.