Flexible financing solutions for general contractors and remodelers. Help homeowners fund renovations, home additions, and multi-trade projects with affordable monthly payments, so you can close more deals and keep projects moving forward.
General contractor financing lets you offer monthly payment options for home additions, basement renovations, and larger remodeling projects. Homeowners can explore financing without your company making loans or collecting monthly payments.
Contractor Financing Solutions connects homeowners with participating lenders through an online application. Share your financing link with a written estimate or send it by email or text so customers can review available options.
Funding arrangements vary by lender and program. Some programs pay contractors directly when a loan funds, while others pay homeowners or release funds in stages. Participating lenders manage loan repayment, and non-recourse protections depend on the applicable agreement.
You can introduce financing when you share an estimate or discuss the construction schedule. Homeowners enter their information directly into the application, so your team does not need to collect their financial documents.
Funding timing varies by lender and program. Depending on the lender, funds may be released after loan signing, after completion, or in stages across construction milestones such as foundation, rough framing, mechanical rough-ins, and final inspection. Confirm funding before ordering custom materials, mobilizing subcontractors, or treating a project as paid.
Home additions and major renovations can require a substantial upfront investment. A project may include several rooms, structural changes, and work from different trades, all of which affect the final price.
Some homeowners prefer to borrow rather than pay the full amount from savings. Others may need to combine financing with cash or adjust optional parts of the project to stay within their budget.
Offering financing alongside a written estimate gives customers another way to evaluate the cost. Your team can explain how to apply without recommending a particular loan or making credit decisions.
These examples show how loan length changes both the monthly payment and the total interest a homeowner pays on common general contracting and remodeling project sizes. They use a hypothetical fixed 14.99% APR with no fees. Actual terms depend on the lender, borrower qualifications, and loan amount, and not every lender offers every term shown.
| Loan Amount | 5-Year Monthly Payment | 5-Year Total Interest | 10-Year Monthly Payment | 10-Year Total Interest |
|---|---|---|---|---|
| $20,000 | About $476/mo | About $8,542 | About $323/mo | About $18,705 |
| $40,000 | About $951/mo | About $17,085 | About $645/mo | About $37,411 |
| $65,000 | About $1,546/mo | About $27,763 | About $1,048/mo | About $60,792 |
| $100,000 | About $2,379/mo | About $42,712 | About $1,613/mo | About $93,526 |
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.
On the $65,000 example, choosing 10 years instead of five lowers the monthly payment by about $498 but adds about $33,029 in total interest. When working with a specific customer, present only the offers a lender provides.
General contractors manage projects with different budgets and payment schedules. Financing may be useful for the following types of work:
Before promising a deposit or progress payment, confirm whether the specific lender program supports your contract and payment schedule.
Costs vary by project size, location, materials, permits, and the amount of structural or mechanical work involved. A kitchen renovation, basement finish, and home addition can have very different budgets.
The examples below illustrate published kitchen remodeling costs. They are not quotes for a specific home. For additions, basements, or whole-home renovations, use a detailed local estimate rather than relying on a single national price range.
| Project Scope or Renovation Type | Typical Installed Cost |
|---|---|
| Standard kitchen remodel (100 to 200 sq. ft.) Published national estimates vary by scope and location. | About $14,592 to $41,617 |
| Major kitchen remodel (midrange to upscale) Semi-custom or custom cabinets, island, new appliances, lighting, plumbing, and flooring | About $82,793 (midrange) to $164,104 (upscale) |
Sources are linked directly to the corresponding estimates above: HomeAdvisor for a standard kitchen remodel and the 2025 JLC Cost vs. Value Report for major kitchen remodels. Figures and project definitions should be checked against the latest source updates before publishing. Estimates may exclude permits, design fees, and unforeseen repairs.
Homeowners may use savings, credit cards, home equity borrowing, personal loans, or financing offered through a contractor. Each option has different costs, risks, and payment requirements. Your team can explain the application process without advising customers which loan to choose.
| Payment Method | How It Works | When It May Fit |
|---|---|---|
| Cash or savings | The homeowner pays from available bank or investment funds across your contract deposit and milestone draw schedule without borrowing. There is no application, credit check, or interest. | Homeowners who can pay without borrowing while keeping enough savings for unexpected expenses. |
| Credit card | The homeowner pays by card. Interest and processing fees may apply, and credit limits may not cover larger projects. | Design and engineering retainers, punch-list repairs, or individual fixture purchases the homeowner can pay off quickly |
| Home equity line of credit (HELOC) | A credit line secured by the home’s equity. The lender reviews the homeowner’s credit and property value, and the homeowner draws funds after closing. Rates are usually variable, and underwriting and appraisal can take several weeks. | Major structural additions or gut remodels exceeding $100,000 where the homeowner has substantial equity and a long pre-construction timeline |
| Independent personal loan | The homeowner arranges an unsecured loan on their own through a bank, credit union, or online lender. Rates, fees, loan structure, and disbursement methods vary. | Homeowners who prefer to borrow directly through a bank or credit union where they already hold accounts |
| Contractor-offered financing | The homeowner applies through the general contractor’s personalized financing link and reviews available offers from participating lenders. If financing is completed, payment is made when the loan funds according to the lender’s funding arrangement. | Whole-home renovations, basement finishes, and multi-trade projects up to $100,000 when the homeowner wants to compare monthly payment options before signing the construction contract |
Your team can explain these options without advising homeowners which loan product is best for their financial situation.
Some participating lenders consider applicants with lower credit scores, but eligibility varies and approval is not guaranteed. Lenders may review credit history, income, existing debts, and other information. Rates and loan amounts may be less favorable for borrowers with weaker credit.
If the available financing does not cover the estimate, homeowners can consider using savings for the difference, reducing optional finishes, or postponing separate portions of the work. Required structural, safety, and code-related work should not be removed to meet a financing limit.
Contractor Financing Solutions is a financing marketplace, not a lender. It gives general contractors a way to share financing options with customers without managing loans or collecting monthly payments.
Request Your Free Financing Demo →
Offering financing gives general contractors another way to discuss payment options for renovations, additions, and other eligible projects. Homeowners choose whether to apply and accept a lender’s offer. Before scheduling work, confirm how and when the selected program releases funds.
Disclosure: Contractor Financing Solutions is not a lender and does not make credit decisions. Financing is provided by independent participating lenders. Approval, rates, loan amounts, terms, and funding schedules vary. Initial offer checks use a soft credit inquiry; a lender may perform a hard inquiry during a full application. Contractor payments and non-recourse protections depend on program agreements and may be subject to exceptions, including refunds, cancellations, fraud, and contractual disputes. Payment illustrations are hypothetical, not credit offers. This page is general information, not financial or legal 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.
