Cabinet financing for contractors and showrooms. Offer homeowners monthly payments on cabinet replacement, refacing, and quartz or granite countertops.
Cabinet financing gives your showroom or installation company a way to present monthly payment options on new cabinetry, refacing, bath vanities, and fabricated stone countertops while a participating lender, not your business, extends and services the loan.
Contractor Financing Solutions links your customers to a network of 30+ participating lenders with one personalized application. A homeowner can check available offers at the design table or after the field measure. Your company receives payment when the loan funds.
Under non-recourse financing, the lender generally assumes the homeowner’s repayment risk, subject to the applicable agreements. Your sales staff can concentrate on door styles, box construction, and slab selection, and your shop can concentrate on templating and fabrication, without anyone on your team tracking monthly installments.
Cabinet and countertop sales usually follow a set sequence of design appointment, field measure, final drawing and quote, factory order, and, for stone, templating once the cabinets are set. Financing fits best at the quote stage, before the homeowner approves the order, and because applicants enter their own information online, your designers never handle tax returns or bank statements.
Funding timing is set by the lender and program. Depending on the program, the lender may release funds once the homeowner signs, once installation is finished, or in staged amounts on larger orders. Semi-custom and custom cabinet orders are often difficult to cancel once released to production, and a slab cut to a template generally cannot be returned, so confirm funding before you release a factory order or cut stone.
In a showroom, homeowners see the price differences between construction tiers laid out side by side. HomeAdvisor puts stock cabinets at about $100 to $300 per linear foot, semi-custom at $150 to $650, and custom at $500 to $1,200, and its countertop guide shows a comparable spread between laminate and natural stone. When a homeowner sees those tiers side by side, a monthly payment figure for each one gives them a practical way to compare construction quality and finish rather than reacting only to the largest total.
Many customers also arrive with a narrower project in mind than a full remodel: new tops on existing cabinets, refacing a dated kitchen with sound boxes, or replacing cabinets without moving plumbing or walls. Financing works for these partial refreshes as well as for complete replacements, and it lets your team recommend refacing or replacement based on the condition of the boxes and the layout instead of on how much cash the homeowner has available that month. For projects that grow into layout changes and trade rough-ins, see our kitchen remodel contractor financing page.
Timing matters too. Cabinet orders carry production lead times, and a homeowner who has to assemble the full deposit and balance before production may postpone the order. Offering payment options with the quote helps keep the order, the template date, and your install calendar on track.
These examples run from a countertop replacement or refacing job to a full cabinet and stone package. Each lender sets its own rates and terms based on the borrower’s qualifications, and some terms shown may not be offered by every lender.
| Project Amount | 60-Month Payment | Total Interest (60 mo.) | 120-Month Payment | Total Interest (120 mo.) |
|---|---|---|---|---|
| $5,000 | About $119/mo | About $2,135 | About $81/mo | About $4,676 |
| $9,000 | About $214/mo | About $3,844 | About $145/mo | About $8,418 |
| $16,000 | About $381/mo | About $6,833 | About $258/mo | About $14,965 |
| $28,000 | About $666/mo | About $11,958 | About $452/mo | About $26,188 |
Examples assume a fixed 14.99% APR, no fees, and full financing of the stated project amount. These are mathematical illustrations, not loan offers or guaranteed terms. Actual loans may include fees that affect the amount received or the total cost of borrowing.
For the $16,000 cabinet and countertop package, stretching repayment from five years to 10 reduces the monthly payment by about $123 while adding about $8,131 in total interest. A countertop-only job near $5,000 is often a better match for a shorter term, and some lenders may not offer 10-year terms on smaller amounts, so share only the specific offers a lender returns for each customer.
Cabinet and countertop work spans a wide range of ticket sizes, from a single vanity top to whole-home cabinetry. The scope a homeowner settles on often depends on what your designer finds at the field measure, including box condition, wall and floor level, and how the existing countertops are attached.
Here are some common situations where financing may help:
On the trade side, imported kitchen cabinets and vanities have been subject to a 25% Section 232 tariff since October 14, 2025, with more favorable treatment for the United Kingdom, the European Union, and Japan described in the September 2025 White House fact sheet. Proclamation 11000, signed December 31, 2025, moved the scheduled increase to 50% back to January 1, 2027, with an exception for countries that reach an agreement with the United States. On the fabrication side, OSHA’s respirable crystalline silica standards for general industry (29 CFR 1910.1053) and construction (29 CFR 1926.1153) limit worker exposure to 50 micrograms per cubic meter as an eight-hour average and require a written exposure control plan, and a 2026 OSHA and NIOSH hazard alert on countertop manufacturing, finishing, and installation, noting that engineered stone can contain up to 95% crystalline silica, recommends doing as much cutting and finishing as possible under controlled shop conditions. Dust controls, wet cutting, and exposure monitoring are part of the overhead behind a professionally fabricated top, and a monthly payment option can help homeowners plan for current cabinet and stone pricing.
Cabinet pricing depends on linear footage, construction grade, door style and finish, and how much tear-out and leveling the room requires. According to HomeAdvisor, cabinet installation averages $6,192, with a typical range of $1,935 to $10,770, while a large kitchen with fully custom, high-quality cabinets can reach $30,000 or more. HomeAdvisor’s refacing guide puts refacing at an average of $7,230 and describes it as 30% to 50% less expensive than replacement, which it places at $10,000 or more.
Countertops add a separate line. HomeAdvisor’s countertop replacement guide lists an average of $3,161, with most projects between $1,882 and $4,484, and its material guides place granite at about $3,250 on average and quartzite at about $3,950 for roughly 30 square feet. HomeAdvisor’s installation figures span jobs from a single cabinet, which can cost as little as $200, up to full kitchens, so treat the figures below as broad national ranges for materials and installation rather than a price for any particular project.
| Project Scope or Component | Typical Installed Cost |
|---|---|
| Cabinet installation (national) National average is about $6,192 | About $1,935 to $10,770 |
| Cabinets by construction tier Stock $100 to $300; semi-custom $150 to $650; custom $500 to $1,200 per linear ft. | About $100 to $1,200 per linear ft. |
| Cabinet refacing About $150 to $450 per linear ft., depending on material | About $4,234 to $10,226 ($7,230 average) |
| Cabinet refinishing (whole kitchen) | About $3,100 average |
| Countertop replacement Removal about $50 to $300; sink cutouts about $100 to $300 | About $1,882 to $4,484 ($3,161 average) |
| Granite countertops | About $2,000 to $4,000 ($3,250 average) |
| Quartzite countertops About $80 to $220 per sq. ft. installed | About $2,000 to $5,200 ($3,950 average) |
| Old cabinet removal Up to about $1,000 in large kitchens | About $350 to $800 |
Installed cost ranges from HomeAdvisor’s cabinet installation and cabinet refacing cost guides (both updated June 20, 2026), countertop replacement cost guide (updated June 17, 2026), granite countertop cost guide (updated June 20, 2026), and quartzite countertop cost guide (updated June 19, 2026). When comparing bids, check whether tear-out and haul-away, filler strips and crown molding, hardware, templating, edge profiles, cutouts, backsplash, and plumbing disconnect and reconnect are included.
Cabinet and countertop buyers often ask your showroom staff how other customers handle the deposit and balance. A working knowledge of the common methods lets your team respond accurately while leaving financial decisions to the homeowner.
| Payment Method | How It Works | When It May Fit |
|---|---|---|
| Cash or savings | The homeowner covers the order deposit and final balance from personal funds on your contract schedule. No credit review, application, or interest is involved. | Single vanities, refinishing, or a small countertop replacement that the homeowner can cover without drawing down reserves |
| Credit card | The deposit or invoice goes on a card the homeowner already holds. Balances carried past the grace period accrue interest, available limits may fall short of a full cabinet order, and card acceptance usually carries a processing cost for your business. | Hardware, design fees, or a modest deposit the homeowner intends to clear within a billing cycle or two |
| Home equity line of credit (HELOC) | The homeowner borrows against home equity on a revolving line that typically carries a variable rate. Approval involves a credit review and a property valuation, so funds may not be available for several weeks. | Cabinet and countertop work bundled into a broader renovation when the homeowner has equity and the order date is not imminent |
| Independent personal loan | The homeowner applies separately for an unsecured loan with an online lender, bank, or credit union they select. Rates, fees, maximum amounts, and how funds are delivered differ from lender to lender. | Homeowners who want to keep borrowing within an institution where they already bank |
| Contractor-offered financing | Using your showroom’s personalized financing link, the homeowner checks for offers from participating lenders in one application. If the loan is completed, payment is issued when the loan funds under the lender’s funding arrangement. | Cabinet replacement, refacing, stone countertop packages, and multi-room cabinetry orders when the homeowner wants to see monthly payments before approving the order |
Your designers can outline how these methods differ, but the choice of how to pay rests with the homeowner.
Possibly. Some participating lenders review applicants with fair or limited credit, including scores from about 570, but no lender guarantees approval. Each one sets its own requirements for credit history, income, existing debt, and requested amount, and because a single application reaches several lenders, a homeowner may see more choices than a single-lender program would provide. Approved amounts, APRs, and terms can differ widely.
When an approval comes in below the quote, your designer can review alternatives such as refacing instead of replacing sound boxes, choosing a stone from a lower price group, moving from custom to semi-custom construction, or ordering the kitchen now and the vanities or built-ins later. Leveling and secure fastening of the boxes, and adequate support under stone overhangs, should remain in the scope regardless of budget. Your staff should never encourage a customer to overstate income or misrepresent anything on an application.
Contractor Financing Solutions is built to fit the showroom appointment, field measure, and order cycle that cabinet and countertop companies already follow.
Request Your Free Financing Demo →
Cabinet financing lets showrooms and installation companies present each construction tier, refacing option, and stone selection with a monthly figure attached, so homeowners can choose the scope that suits the room. Because one personalized link reaches multiple participating lenders, your designers can attach payment options to every quote and leave underwriting, funding, and collections to the lender.
Disclosure: Contractor Financing Solutions is not a lender and does not make credit decisions. Financing is offered by independent participating lenders. Loan approval, available amounts, APRs, repayment terms, and funding timelines vary by lender, borrower qualifications, and applicable state requirements. Checking available offers uses a soft credit check that won’t impact credit scores; a hard inquiry may occur only if a borrower chooses an offer and submits a full application. Non-recourse arrangements are subject to the applicable lender and contractor agreements and do not eliminate obligations arising from fraud, refunds, cancellations, or contractual disputes. All project costs and payment illustrations are examples, not guaranteed prices or offers of credit. Information about tax credits and regulations is general and does not constitute legal, tax, or financial advice.
Estimate potential returns from offering customer payment plans.
Additional Monthly Revenue
Revenue: $90,000 → $120,000
Disclaimer: Results are estimates for illustrative scenario planning only and do not guarantee future revenue, approval rates, or closing percentages. Actual revenue will vary based on customer creditworthiness, project scope, lender terms, and merchant processing fees.
Offer monthly payments to homeowners in three simple steps, without becoming a lender or handling customer loan payments.
Share your link by text, email, estimate, or in person. Homeowners complete one quick application to explore offers from multiple lenders, starting with a soft credit check that won’t affect their credit score.
Every estimate you send without a monthly payment option is a deal you’re leaving to chance. Get started with Contractor Financing Solutions and give your next homeowner an easier way to say yes.
