Financing Options for Decks & Outdoor Projects
Build Now. Pay Over Time.
At Velasquez Carpenter & Deck Builder, we know that investing in your outdoor space is a big decision — and cost should never be the reason you have to put your project on hold.
That’s why we offer flexible financing options to make your deck, patio, pergola, or outdoor kitchen more affordable. Whether you’re planning a full backyard upgrade or simply need to spread payments out over time, we’ll help you choose a financing solution that works for your budget.
Enjoy the space you want now — and pay in manageable installments with confidence.
Why Finance Your Outdoor Project?
Choosing to finance your project doesn’t mean overspending — it means getting what you need now, without draining savings or delaying important upgrades.
Benefits of Financing with Velasquez Carpenter:
Start your project sooner without waiting to save the full amount
Preserve cash flow for other home improvements or expenses
Flexible terms with clear monthly payment plans
Competitive interest rates through trusted partners
Fast approvals and simple applications
No hidden fees or surprises
Whether you’re building a new deck, installing a fire pit, or expanding your outdoor kitchen, our financing helps make it happen without compromise.
What Can Be Financed?
Nearly all of our services can be financed, including:
- New deck construction
- Deck resurfacing or repairs
- Pergolas and shade structures
- Outdoor kitchens and grilling stations
- Patios and hardscaping
- Fire pits and fire features
- Fencing and privacy structures
- Complete outdoor living packages
We’ll work with you to include labor, materials, and even design upgrades in one predictable monthly payment plan.
Who Offers the Financing?
We partner with reputable home improvement financing providers that specialize in construction loans and contractor-based lending.
These lenders offer:
Secure applications
No collateral required
Fixed-rate installment plans
Loan amounts that cover small to large projects
If you already work with a bank or credit union you trust, we can also coordinate with your preferred lender and provide any required documentation or estimates.
We’re happy to guide you through the process or provide a referral to a trusted financing partner we’ve worked with locally.
How Financing Works
Our financing process is simple and designed to move quickly so your project doesn’t have to wait.
01
Get a Quote
We’ll provide a detailed project estimate that includes all materials, labor, and any optional upgrades. You’ll know exactly what to expect before applying.
02
Choose a Financing Option
We’ll help connect you with a financing provider or work with your preferred lender. Most applications are online and take just a few minutes.
03
Get Approved
Most homeowners are approved within 24–48 hours, often sooner. Financing terms vary based on credit profile, loan amount, and provider guidelines.
04
Schedule Your Project
Once financing is approved, we’ll lock in your start date and begin preparing materials and timelines.
Frequently Asked Questions
Is my credit score affected when I apply for financing?
Most financing providers will perform a soft credit check initially. A hard inquiry may be required if you proceed with final approval.
What’s the average interest rate?
Interest rates depend on the lender and your credit profile. We work with financing partners that offer competitive fixed rates with no hidden fees.
Do I have to finance the entire project?
No. You can finance all or just part of your project, depending on your needs.
Can I pay off early without penalties?
Yes. Most financing partners allow you to pay off your loan early without prepayment fees.
What if I prefer to pay cash or use a credit card?
You’re always welcome to pay using any method you prefer. Financing is offered as an option, not a requirement.
Making Outdoor Upgrades Affordable
At Velasquez Carpenter, we’re committed to making your project as easy and accessible as possible — from the first estimate to final walkthrough. Financing is just one way we help homeowners say yes to the improvements they’ve been dreaming about.
We believe that high-quality outdoor construction shouldn’t be out of reach. That’s why we offer:
Transparent quotes with no surprise costs
Financing options that suit a wide range of budgets
Support through every step of the process
Flexible scheduling once financing is approved
Let’s Talk About Your Project
If you’ve been thinking about building a deck, redoing your patio, or adding an outdoor kitchen — now’s the time. Let’s talk about your vision, create a detailed estimate, and explore financing options that make it all possible.
There’s no pressure, no commitment — just honest answers and experienced guidance.
Contact Us to Learn More
Phone: (708) 762-4186
Email:
branli.velasquezcarpenter@gmail.com
Serving Stone Park, IL and surrounding Chicagoland areas
Hours: Monday–Friday: 7AM–5PM | Saturday: 8AM–4PM