Your payment in seconds. Three ways to finance your site preparation project — gravel pads, concrete foundations, excavation, driveways, septic & turf — see if you qualify without impacting your credit.
⚡ Same-Day Approvals✓ Every Credit Score✓ No Credit Impact to See if You Qualify
Your Site Prep rep:
Select a loan product below to estimate your monthly payment, learn more & apply:
Select a loan option above to estimate your monthly payments and see loan details
Consumer Financing — Upgrade
Do You Qualify?
Eligibility
Borrowers do not have to own the property to apply
Minimum 680 credit score. Other factors such as income, debt, and credit history also affect approval.
Customers apply using their Total Household Income — the yearly income of everyone living with them
$
*Rate includes 0.50% discount for enrolling in autopay. Customers who do not enroll in autopay will have an interest rate that is 0.50% higher. ⓘ Estimated payments are for illustration purposes only and are not an offer of credit. Actual rates, terms, and payments are set by the lender after credit approval.
Financing Overview
What Consumer Financing Offers
Up to $100,000 in financing — there are no co-borrowers, but multiple people can each apply for a loan using their total household income (even if the person applying doesn't have income)
Soft credit check available — a soft pull checks if you pre-qualify and won't impact your credit. Your credit is only affected once you accept an offer and finish your application.
Same-day approvals available — most customers are approved without proof of income
No equity or appraisal required — this is not a mortgage product
No prepayment penalty — pay off the balance any time with no added fee
Additional Features
Additional Features & Terms
No minimum down payment required
No origination fee or closing costs — no fees to obtain this financing
5 to 15-year terms available
Fixed rates — your rate never changes for the life of the loan. Your rate is based on your FICO credit score.
The Process
How It Works
1
Complete the loan application
A soft credit pull checks if you pre-qualify — this won't impact your credit. Your credit is only affected once you accept the offer and complete the application process.
2
Loan approval
Most customers are approved without documents. You can upload any requested documents directly to the lender.
3
eSign your agreements
Once approved and any conditions are cleared, you finalize your order with your sales rep (who can adjust the loan amount to match your price if needed), then eSign your Purchase Agreement and Loan Agreement. A hard credit pull occurs upon eSigning your Loan Agreement.
4
First 50% of funds released
The lender releases the first 50% to Site Prep so we can schedule and begin your site work. Interest accrues on the 50% released (not the full loan amount).
5
Your project is completed
The remaining balance due is released to Site Prep after completion — interest now accrues on the total loan amount, and your first monthly loan payment is due in 30 days.
⚠ Important:
On the application, enter your Yearly Income — not your monthly income.
Enter your Total Household Income (the income of everyone living with you) — don't worry, you won't need anyone else's personal information to apply; only your information is needed.
Soft credit check to see your offers — checking never affects your credit score. Minimum 680 FICO. Up to $100,000 per borrower.
Building Loan — Thrive Financial
This new loan product will be coming soon within the next few weeks
Do You Qualify?
Eligibility
You must own the property where the site work will be performed.
If the property is owned by a business entity (such as an LLC), you must be an owner of that entity. Other owners will need to authorize the purchase and the loan.
Vacant / raw land qualifies — there does not need to be an existing home or dwelling on the property.
Minimum 550 credit score. Other factors such as income, debt, and credit history also affect approval.
$
*Rate includes 0.50% discount for enrolling in autopay. Customers who do not enroll in autopay will have an interest rate that is 0.50% higher. ⓘ Estimated payments are for illustration purposes only and are not an offer of credit. Actual rates, terms, and payments are set by the lender after credit approval.
Financing Overview
What Thrive Financing Offers
Up to $200,000 in financing — there are no co-borrowers — instead, customers apply using their total household income. Customers without income may be approved using the income of others living with them.
Soft credit check available — a soft pull checks if you pre-qualify and won't impact your credit. Your credit is only affected once you are pre-qualified and authorize a hard credit pull to finish your application.
Same-day approvals available — most customers are approved without proof of income
No equity or appraisal required — this is not a mortgage product
No prepayment penalty — pay off the balance any time with no added fee
Additional Features
Additional Features & Terms
No minimum down payment required
No origination fee or closing costs — no fees to obtain this financing
6 months of interest-only payments
5 to 20-year terms available
Fixed rates — your rate never changes for the life of the loan. Your rate is based on your FICO credit score.
The Process
How It Works
1
Complete the loan application
A soft credit pull checks if you pre-qualify — this won't impact your credit. Your credit is only affected once you accept the offer and complete your application.
2
Loan approval
Most customers are approved without documents. You can upload any requested documents directly to the lender.
3
eSign your agreements
Once approved and any conditions are cleared, you finalize your order with your sales rep (who can adjust the loan amount to match your price if needed), then eSign your Purchase Agreement and Loan Agreement. A hard credit pull occurs upon eSigning your Loan Agreement.
4
First 50% of funds released
The lender releases the first 50% to Site Prep so we can schedule and begin your site work. Interest-only payments begin in 30 days, based on the 50% released (not the full loan amount).
5
Your project is completed
The final 50% is released after completion. Any remaining interest-only payments continue, now based on the full loan amount. When the 6-month interest-only period ends, you begin standard monthly payments (principal + interest).
⚠ Important:
On the application, enter your Yearly Income — not your monthly income.
Enter your Total Household Income (the income of everyone living with you) — don't worry, you won't need anyone else's personal information to apply; only your information is needed.
This new loan product will be coming soon within the next few weeks
Home Equity — Figure Lending
Financing Overview
5-Day Home Equity Line of Credit
With Figure Lending, you can tap your home equity and access the cash you need to fund your purchase quickly and easily.
Up to $750,000 — 1st, 2nd, or 3rd lien position, with terms of 10 to 30 years
Lower rates compared to alternatives such as personal loans and credit cards
Fast funding — full draw up front with funding in as few as 5 to 10 days
100% online application — no need to go to the bank. Apply from the comfort of home!
See your rate in a few clicks — without impacting your credit score
Do You Qualify?
Eligibility
Minimum 620 FICO credit score. Other factors such as income, debt, home equity, and credit history also affect approval.
Your home secures this loan — you could lose it if you fail to repay
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