Hearth Loan Network
Personal loans up to $250,000. Soft credit pulls, fixed monthly payments, and funding in as little as one business day.
- Loan amounts $1k - $250k
- No prepayment penalties
- Pre-qualify with a soft pull
Project Financing Options
Whether you're remodeling a kitchen or building from scratch, we work with trusted lenders to make payment manageable.
A construction project is a major investment, and we know that paying out of pocket isn't always the right move. LNB partners with several home-improvement lenders so our clients can spread the cost over months or years at competitive rates, often with same-day pre-qualification and no impact on credit scores.
Financing through our partners is completely optional. You're welcome to use cash, your own bank, a HELOC, or any other arrangement. We never mark up the project for financed work, and you'll see the same itemized estimate either way.
Lending partners
Three trusted options
Each partner serves a slightly different need. Your project manager will help you find the right fit.
Service Finance
Home improvement financing built specifically for general contractor projects. Pre-qualify online in minutes with flexible term options.
- Terms 24 - 180 months
- Reduced-interest promotional plans
- Direct contractor disbursements
GreenSky
Promotional financing through participating contractors. Often used for HVAC, and major remodel projects with deferred-interest promos.
- Promotional 0% APR options
- Apply on a phone or tablet
- Decisions in seconds
FAQ
Common questions
Do I need to use your financing?
Not at all. Financing through our partners is purely optional. Many of our clients pay out of pocket, with a HELOC, or through their own bank, and the project price is identical either way.
How does pre-qualification work?
You apply online through our partner's portal. They run a soft credit check (no impact on your score) and return an estimated rate and term within minutes. If you decide to proceed, you complete a full application with the lender directly.
What credit scores qualify?
Each lender has its own thresholds, but most of our partners can work with FICO scores starting around 600. Higher scores unlock lower rates and longer terms. Your project manager can point you to the partner most likely to be a fit.
Are there fees?
Some loan products charge an origination fee (typically 1 to 5 percent), and promotional 0% plans may have a fee that's disclosed before you sign. There are no hidden fees from LNB, we never markup financed projects, and the lender's disclosures will lay everything out in plain language.
LNB Construction is a licensed general contractor, not a lender. We do not originate, underwrite, or service loans. All financing is provided by independent third-party lenders subject to credit approval and individual lender terms. Rates, terms, and approval are not guaranteed and are determined solely by the lender. Logos and partner names referenced on this page belong to their respective owners. Please review all loan documents carefully before signing.
Ready to start your project?
Get a call first. We'll walk you through financing options that fit the budget.