Upgrading your outdoor space is one of the smartest ways to enhance your home’s value, beauty, and enjoyment. Whether you’ve been dreaming of a custom deck, a screened porch to extend your living space, or a fully outfitted outdoor kitchen, Design Builders is here to turn your ideas into reality.

We understand that projects like these are meaningful investments. That’s why we offer flexible third-party financing options to help our clients bring their dream spaces to life—without having to pay for everything up front. If you're ready to build but want to spread out the cost in a way that fits your budget, our trusted financing partners can help.

Why Consider Financing?

Let’s face it—quality craftsmanship, premium materials, and professional outdoor construction services require a budget. But that doesn’t mean you should have to delay your project or downsize your vision.

Financing allows you to:

• Start your project sooner.

• Divide the total cost into manageable monthly payments.

• Lock in fixed interest rates to keep payments predictable.

• Avoid draining savings or dipping into emergency funds.

Whether you're enhancing your home for personal enjoyment, future resale value, or both, financing can be a practical and empowering solution.

3 Financing Partners

1. LightStream – Quick, Paperless, and No Collateral Needed

LightStream, a division of Truist Bank, offers unsecured personal loans tailored specifically for home improvement projects. This is a great option for homeowners with good to excellent credit who want fast access to funds without using their home as collateral.

Key Benefits:

• Loan amounts from $5,000 to $100,000.

• Fixed interest rates with no prepayment penalties, origination fees, or late fees.

• Flexible terms from 24 to 240 months.

• Funds often available same day.

• Entirely online, paperless process.

LightStream also has a “Rate Beat Program”—if you find a lower qualifying rate elsewhere, they’ll beat it by 0.10%. It’s fast, secure, and designed to make home improvement financing straightforward.

Perfect for: Homeowners who value a streamlined process and don’t want to use home equity.

2. EnerBank USA (Now Regions | EnerBank) – Trusted and Contractor-Friendly

As one of the longest-standing names in home improvement financing, EnerBank has built its reputation by partnering directly with contractors. That means you can apply for financing right through Design Builders, making your approval and payment process easier and more seamless.

Key Benefits:

• Same-as-cash, low monthly payment, and reduced-interest options.

• Many programs come with no contractor fees.

• Simple mobile application process.

• Same-day approval in most cases.

• Fixed interest rates for budget clarity.

Whether you’re building a modest porch or a multi-level deck, EnerBank gives you flexibility with payment plans that fit the scale of your project.

Perfect for: Homeowners who want promotional offers or structured payment plans with fixed rates—and the ease of applying directly through their contractor.

3. Hearth – Smart Financing Marketplace with Flexibility

Hearth is a tech-forward financing platform that connects you with multiple lenders—giving you several personalized loan offers with one simple application. There’s no hard credit pull to prequalify, so you can see your financing options before committing.

Key Benefits:

• Financing up to $250,000.

• Soft credit check to prequalify.

• Contractors (like us!) can embed tools into quotes and websites for easy access.

• Wide range of offers for different credit profiles.

If you like the idea of comparing multiple offers to find the one that best fits your financial needs, Hearth is a strong option. The platform is built specifically for home improvement projects, so it understands the rhythm of renovation timelines and contractor-client communication.

Perfect for: Homeowners who want to explore options from various lenders without multiple credit hits or time-consuming applications.

Build Now. Pay Over Time. Enjoy for Years.

At Design Builders, we’re committed to helping you get the space you’ve always wanted—whether that’s a wraparound porch to enjoy the evening breeze, a dining-ready outdoor kitchen, or a backyard retreat designed for gathering.

And thanks to our financing partnerships, you don’t need to wait to make it happen. You’ll find flexible options to suit your budget, lifestyle, and timeline—no matter the size or scope of your project.

Ready to Talk Financing?

We would love to hear about your exterior home improvement idea.  Screened porch?  Deck? Outdoor kitchen? Pergola ? Patio? 

Lets talk!

📧 info@designbuildersmd.com
💬 Schedule a Free Consultation

Let’s build something beautiful—together, and on your terms.