Deductibles, code upgrades, items insurance refuses to pay — most restorations have gaps. Our trusted lending partners close them so you can rebuild without the financial whiplash. 0% APR available, soft credit pull, decisions in minutes.
After 15 years in restoration, we have seen thousands of policies. Almost every claim has a gap somewhere. Knowing where the gaps are is the first step to closing them without draining your savings.
Restoration financing is faster and simpler than most homeowners expect. Here is exactly what happens, in order, with no hidden steps.
Call (317) 764-2375 and we will be on-site within 2 hours, 24/7. We assess damage, give you a scope of work and a written estimate, and explain what your insurance is likely to cover.
Pick the partner that fits your situation (we will help you decide). Prequalification takes a few minutes online and uses a soft credit pull only — no impact to your credit score.
Once you accept the offer, the lender disburses funds directly to your account. SoFi offers same-day funding for qualified applicants. Other partners typically land within 1-3 business days.
When your insurance check arrives later, you can apply it to the loan balance and pay it down faster. None of our partners charge prepayment penalties.
We do not steer you to a single lender. These are five reputable national partners we have seen homeowners use successfully. Pick the one that fits your credit profile and timeline.
Home improvement loans with same-day funding for qualified applicants. Strong choice when you need to begin work this week. Up to $100,000.
Apply with SoFiTruist-backed personal loans for good to excellent credit. Competitive rates, no fees, fast online process. Best if your credit is in shape and you want the lowest APR.
Apply with LightStreamPersonal loans with online application and instant offer review. Helpful if you already bank with Wells Fargo or want the option to walk into a branch.
Apply with Wells FargoHome improvement loans designed for renovations and emergency repairs. Quick funding, no origination fees, fixed monthly payments.
Apply with DiscoverPersonal loans up to $50,000 with options for fair-credit borrowers. Also offers a personal line of credit if you prefer to draw funds as work progresses.
Apply with UpgradeWe have walked dozens of homeowners through this. Tell us about your situation and we will point you to the partner most likely to give you the cleanest offer. No commissions, no pressure.
Call (317) 764-2375Sometimes. Even when insurance covers a loss, you are responsible for your deductible (commonly $1,000-$5,000), code upgrades the policy will not pay for, and any work that falls outside policy limits. Financing closes those gaps so the restoration is not slowed down by the gaps.
No. Our partners use a soft credit pull for prequalification, which has zero impact on your credit score. A hard pull only happens after you accept a final offer — and at that point, the impact is small and short-lived.
Most applicants receive a prequalification decision in minutes. Funding typically lands in your account within 24 to 72 hours of acceptance. SoFi offers same-day funding for qualified applicants when speed is critical.
Rates depend on your credit profile, the loan amount, and the term you choose. Promotional 0% APR is offered on qualifying shorter terms with several partners. Standard rates run from competitive home-improvement APR ranges through partners like LightStream and SoFi. We never see your rate offer until you tell us — this is between you and the lender.
Yes — and many homeowners do. Applying early lets us start mitigation immediately while the insurance claim works through adjuster scheduling and approvals. When your insurance check arrives, you can pay down the loan balance with it. No prepayment penalty.
We work with five trusted partners: SoFi, LightStream by Truist, Wells Fargo, Discover, and Upgrade. Each has different strengths and we will gladly help you decide which fits your situation. The loan is between you and the lender. We are not paid commissions for referrals — our only interest is your work getting done well.
Anything related to the restoration: deductible, mitigation work, structural repairs, code upgrades, replacement of contents, additional rooms not covered by insurance, or full reconstruction. The lender funds you directly. You pay us by check or certified funds once the loan is funded.
None of the partners we work with charge prepayment penalties. If your insurance check comes in and you want to pay off the balance early, you can do so without fees — saving any future interest charges.
Upgrade is designed for fair-credit borrowers and is often the right starting point. SoFi and Wells Fargo also consider a range of credit profiles. We will guide you to the partner most likely to approve your application based on what you share with us.
Yes. We can begin emergency mitigation immediately while you apply for financing. We do not require financing approval before we start protecting your home — every hour matters. Funding can land before, during, or after the work, whichever the timing works out to be.
