Financing · In Partnership with VistaFi
Build Now, Pay Over Time
Renovation and construction financing from $10,000 to $300,000 — checking your rate takes minutes and never touches your credit score.
Program Highlights
Financing Built for Real Projects
Most homeowners don't stall because they've stopped wanting the project — they stall on how to pay for it. These are personal loans, so approval isn't gated on the equity in your home.
Why Homeowners Use It
What Makes This Different
Financing through our lending partners is designed around renovation work specifically, not repurposed from a general-purpose loan product.
- No impact to your credit score to apply — the first check is a soft inquiry
- Not tied to your home's equity — no appraisal, no lien on the property
- Fund multiple projects with one loan — useful when phasing work
- No prepayment penalties — pay it off early with no fee
- Terms of 10, 15, 20, or 30 years — size the payment to your budget
- Approvals as fast as 24 hours, funding in 48 hours to one week
How It Works
Four Steps, No Guesswork
1. Check Your Rate
A short form on our lending partner's secure site. Soft credit check only — your score is untouched.
2. Review Your Options
See the amounts, rates, and terms you qualify for and pick the monthly payment that fits.
3. Get Approved
Approvals come back in as little as 24 hours once your application is complete.
4. Start Building
Funds typically arrive within 48 hours to a week — and we get your project on the schedule.
For Business Clients & Investors
Commercial & Business Financing
Through our commercial lending partners, we can also connect business clients and investors with capital for larger projects, expansion, equipment, or real estate.
- Working capital & business lines of credit
- Equipment financing
- SBA loans
- Commercial real estate financing
- Investor property financing
- Business acquisition financing
Commercial lending specialists work with a large network of lenders to help businesses secure the capital they need to grow.
Financing FAQs
Does checking my rate affect my credit score?
No. The initial check is a soft credit inquiry, so you can see your options without any impact on your credit score. A hard inquiry only happens if you choose to move forward with a formal application.
How much can I borrow?
Home improvement loans range from $10,000 to $300,000, which covers everything from a single kitchen remodel to a full custom build or ADU.
What credit score do I need?
The minimum credit score is 620. Rates start at 7.59% for the strongest credit profiles, and your actual rate depends on your credit, loan amount, and term.
How fast can I get funded?
Approvals can come back in as little as 24 hours, with funding typically between 48 hours and one week.
Do I need equity in my home?
No. These are personal loans not tied to your home's equity, so there is no appraisal and no lien on your property. That also means you can qualify early in your ownership before equity has built up.
What repayment terms are available?
Terms of 10, 15, 20, or 30 years, with no prepayment penalties if you decide to pay the loan off early.
Can I finance more than one project with the same loan?
Yes. A single loan can fund multiple projects, which is useful if you're phasing a renovation or combining an interior remodel with outdoor work.
Is Xpert Construction Group the lender?
No. We partner with VistaFi Solutions, who work with a network of lenders. We don't make credit decisions or set rates — we simply make the application available so financing isn't the thing that stalls your project.
Disclosure: Financing is provided by third-party lenders through VistaFi Solutions. Xpert Construction Group is not a lender, does not issue credit, and does not make credit decisions. All loans are subject to credit approval. Loan amounts, rates, terms, and program availability are determined by the lender and are subject to change without notice. Advertised rates starting at 7.59% APR and a minimum credit score of 620 reflect the lending partner's program as of September 2026; the rate and terms you are offered depend on your creditworthiness, loan amount, and repayment term. Approval and funding timeframes are estimates, not guarantees.