Why Financing Is a Game-Changer for Deck Builders

High-quality decks are an investment, but the “sticker shock” often causes homeowners to delay or downsize projects. In this episode of We 💚 Deck Builders, host April Edwards from Deck Builder Marketers sits down with Larry Collins, President of HFS Financial to talk about how flexible financing can help deck builders close more deals, boost cash flow, and offer clients the outdoor space they really want.

At HFS Financial, we’re focused on partnering with builders to help them grow their business. When you offer financing up front, you’re giving homeowners a way to say yes sooner.” – Larry Collins, President HFS Financial

Offering financing can set your decking business apart and help you grow without adding risk or overhead. Watch the podcast video below to learn how HFS Financial partners with builders like you.

Highlights from the Conversation

Here are the big takeaways deck builders will appreciate:

1. Close More Deals with Less Resistance

Many homeowners hesitate when they see a big lump-sum price tag. Offering monthly payments makes it easier for them to say yes, especially for premium or larger-scale decks. 

2. Get Paid Up-Front

HFS Financial’s model funds the homeowner in full at the start of the project. That means you get paid quickly and in full, keeping your crews and materials moving without cash-flow stress.

3. Easy, Quick Approvals

Customers can be conditionally approved for up to $300,000 in under a minute, with no impact to their credit score. This speeds up your sales cycle so you can move from estimate to contract faster. 

4. No Fees for Contractors

HFS doesn’t charge deck builders or contractors to offer financing. No fees, no minimums, ever. Just risk-free financing so you can keep your full project revenue. 

5. No Equity, No Collateral Required

Most homeowners don’t want to tap home equity or refinance just to build a deck. HFS’s loans often don’t require it, which makes financing more accessible to your customers.

6. Free Marketing Support

HFS provides contractors with customized digital marketing assets (including a landing page), and sales materials to help promote financing as part of your pitch.

7. Scale Your Business & Upgrade Projects

A monthly payment feels much more manageable for most consumers. With financing available, homeowners often feel comfortable adding features like custom railings, lighting, pergolas, or higher-end materials. This means bigger projects and better margins for you.

How to Put This into Action

• Add financing to every proposal, text or email communication so clients know it’s an option.
• Train your sales team to bring it up early in the conversation.
• Highlight “No Equity Required” in your marketing to remove a common barrier.
• Leverage your finance partner’s marketing materials to make the process seamless.

Want to learn how to start offering financing?
Contact HFS Financial or visit our financing for deck builders page for guidance on integrating it into your sales process.