Gravel pads, concrete foundations, excavation, driveways and septic — financed up to $200,000, and further still through a home equity line, so site prep never becomes the reason your build waits. Fixed rates, no down payment required on our loan products, and no impact to your credit score to see your offers.
2,200+ five-star Google reviewsUp to $200,000 — more with home equityNo credit impact to see offersSame-day approvals available$0 down · no fees
Hassle-Free Project Financing
Built for Solid Foundations
Sometimes the perfect project needs a little financial flexibility. Site Prep Lender connects Site Prep customers with financing designed for gravel pads, concrete foundations, excavation, and everything in between.
Up to $100,000 Per Borrower
No co-borrowers needed — and multiple people in a household can each apply for their own loan up to $100,000.
No Land Ownership Required
You do not have to own the property where the work is being done. Renters and properties owned by a business entity or trust qualify.
No Credit Impact to See Offers
A soft credit pull shows your eligible offers. Your credit is only impacted once you select an offer and eSign the loan agreement.
Same-Day Approvals Available
Most customers are approved within minutes of applying — and proof-of-income documents may not be required.
Fixed Rates, No Surprises
Your rate and monthly payment never change over the life of the loan. No closing costs, no fees, no down payment required.
No Prepayment Penalty
Pay off your loan balance whenever you want without an additional fee — on every financing option we offer.
Done Right the First Time
Finance Any Site Prep Project
Every great structure starts with a solid foundation. Site Prep is trusted by thousands of homeowners across the Mid-Atlantic — 2,200+ five-star Google reviews, free no-obligation estimates, and most projects completed within 2–4 weeks.
Gravel Shed Pads — Economy, Premium & DeluxeConcrete Pads & FoundationsExcavation & Land GradingGravel Driveways, Drainage & SepticPole Barn & Horse Barn FoundationsArtificial Turf Backyards & Pet Turf
Explore every service — gravel pads, concrete, driveways, septic, shed removal, swing set bases, hot tub pads & more — at siteprep.com. Free no-obligation estimates, backed by a 30-Day Money-Back Guarantee.
Simple & Transparent
How It Works
STEP 1
Estimate Your Payment
Answer a few quick questions — about 30 seconds. No Social Security number, no credit inquiry, no impact on your credit score.
STEP 2
See Your Financing Options
Based on your answers, we show you every financing option that fits — consumer loans, building loans, and home equity options.
STEP 3
Apply With the Lender
Apply online using your total household income. A soft credit pull shows your eligible offers with no impact to your credit score.
STEP 4
Break Ground on Your Project
Accept your offer and eSign. Same-day approvals are available, and your Site Prep project moves straight onto the schedule.
Site Prep Financing Explainer
What each loan offers, who can apply, and how to estimate your monthly payment — with captions in English & Español (turn them on with the CC button).
See your estimated monthly payment in seconds — then apply online in minutes. Our Payment Estimator shows how each loan option works, your estimated payments, the loan terms, and how to apply. Checking your options never affects your credit score.
Compare all three financing options side by side
See your estimated monthly payment instantly
No personal information required — and no effect on your credit score
"The crew showed up on time, finished our gravel shed pad in a single day, and left the yard cleaner than they found it. The whole process was easy from estimate to install."
Mike
Site Prep customer
★★★★★
"Fair price, clear communication, and the finished concrete pad was perfectly level. You can tell this team does this every day — done right the first time."
Sarah
Site Prep customer
★★★★★
"From the free estimate to the final grading, everything went exactly as promised. Our new driveway and drainage look fantastic."
Dave
Site Prep customer
Homeowners across the Mid-Atlantic have given Site Prep more than 2,200 five-star Google reviews — family-owned since 2014 and done right the first time.
Common Questions
Frequently Asked Questions
No. Checking your eligibility on this site involves no credit inquiry at all — we do not collect your Social Security number. When you apply with the lender, a soft credit pull shows your eligible offers without impacting your credit. Your credit is only impacted once you select an offer and eSign the loan agreement.
No — not for Consumer Financing. Our primary lending partner does not require you to own the property where the work is being done. This means:
Renters can qualify
Projects on family or friends' land can qualify
Properties owned by a business entity or trust can qualify
The Building Loan through Thrive Financial does require you to own the property where the site work will be performed.
A FICO score of 680 or higher qualifies for our fixed-rate loan program up to $100,000. Below 680, you still have options:
Building Loan (Thrive Financial) — credit scores from 550 can qualify when the work is done on property you own
Home equity line of credit (Figure Lending) — minimum 600 FICO, if you own your home
Apply using your Total Household Income, entered as annual (not monthly) income:
Under "Individual Income," include your spouse's income
Under "Additional Income," include the income of any other individuals living with you
Up to $100,000 per borrower with fixed-rate terms of 5, 7, 10, 12, or 15 years. There are no co-borrowers, but multiple people in a household can each apply for their own loan up to $100,000. Loan funds can only be used for your project with Site Prep.
No, no, and no. There is no down payment required, no closing costs or fees, and you can pay your loan off early at any time without a penalty. These loans are not mortgage products — no equity or appraisal required.
Any project with Site Prep, including:
Gravel shed pads (Economy, Premium & Deluxe stone foundations)
Artificial turf backyards, pet turf, swing set bases, hot tub & pool pads
Shed removal & demolition
Most Site Prep projects are completed within 2–4 weeks of scheduling — and gravel pads are usually built in less than a day. Every project starts with a free, no-obligation estimate and is backed by Site Prep's 30-Day Money-Back Guarantee.
