Renovation Financing

Your dream space, on your own terms.

Premium renovations shouldn’t demand a five-figure check up front. Two vetted financing partners, fast soft-pull pre-approvals, and flexible terms designed around your budget.

Compare Options Talk to Our Team

Financed to date

$75K

Credit check

Soft pull, no impact

Decision speed

Instant approvals

The Process

How financing works.

Four steps from choosing materials to breaking ground. Most clients are pre-qualified the same day they walk in.

Choose your project

Kitchen, bath, flooring, stone, HVAC. Any Citadel category qualifies, single room or whole home.

TakesSame day

HowWith your specialist

Pick a partner

Two vetted lenders. Compare term length, monthly payment and credit profile before you commit.

Takes5 minutes

HowSide by side

Apply in minutes

A soft pull returns a decision without touching your score. No paperwork, no branch visit.

TakesUnder 2 minutes

HowSoft pull only

Build with confidence

Funds release against your order. Your installer schedules and the project starts.

TakesOn approval

HowDirect to order

Under way now

Financed today, under way this week.

A Sacramento kitchen mid-install: financed in the showroom, slab set within the week. Your specialist walks the scope with you and prices it properly.

“We priced the whole kitchen in one afternoon and financed it the same day. No branch and no paperwork, and the island was set before the end of the week.”

R. Alvarez · Sacramento, CA · Kitchen, in progress

Project

Kitchen

Approved in

Two minutes

Status

Install under way

Our Partners

Two trusted options.
One easy decision.

Both are vetted and fully digital. The difference is how much you want to compare before committing, and whether a hard pull matters to you today.

Partner 01

Foundation Finance.

A secure application built for qualified clients. Spread payments over terms designed to fit your situation.

Best for Buyers who know their budget and want a predictable monthly payment.

Compare Terms

Amount

Varies by program

Terms

Up to 144 months

Credit impact

Hard pull on acceptance

Decision

Minutes

Prepayment

Varies by program

Partner 02

Momnt Financing.

A fully digital, fast and affordable experience. Check your options and choose from multiple loan offers, all from your phone or computer.

Best for Buyers who want to compare several offers before committing to one.

Compare Terms

Amount

Up to $75,000

Terms

12 to 120 months

Credit impact

Soft pull, no impact

Decision

Instant

Prepayment

No penalty

Scope

Projects we can finance.

Any Citadel category qualifies, at any size. Single room or whole home, one trade or every trade on a single plan.

Kitchen Remodels.

Cabinets, countertops, flooring, backsplash and premium fixtures, the full kitchen build.

Materials and installation

Bathroom Upgrades.

Tile, vanities, shower surrounds, fixtures, full primary or secondary bath builds.

Materials and installation

Flooring.

Hardwood, luxury vinyl, laminate, tile and stone, full-home or single-room scope.

Supply only or fully installed

Countertops & Stone.

Quartz, marble, quartzite and engineered stone, templated, fabricated and installed.

Template, fabricate, install

HVAC & Solar.

High-efficiency HVAC systems, solar arrays and Powerwall storage.

System, install and permits

Full Home Reno.

Multi-room projects combining materials across every category on a single plan.

Every category, one plan

Before you apply

What you need.

No hidden checklist. If these four are true you can pre-qualify in under two minutes, and the next step is the one below.

Age

18 or older

Residency

US resident with a valid ID

Project

Any Citadel category, any size

Property

Owner-occupied or investment

Get Pre-Qualified

No upfront cost.
No credit score hit.

See your options in about two minutes. A soft pull returns real numbers without touching your score.

Check My Options

Common Questions

FINANCING FAQ.

Everything you need to know about financing your renovation. Don’t see your question? Our team is always happy to help.

Talk to Our Team

How does the financing process work?+

After selecting your project and materials with our team, you will be directed to one of our financing partners. There you can review payment plans, complete a quick application, and receive a decision in minutes through a secure online portal.

What types of projects can be financed?+

A wide range of projects qualify, including kitchens, bathrooms, flooring, countertops, cabinetry, HVAC systems, solar installations, and outdoor enhancements. If you are unsure whether your project qualifies, just ask and we will let you know upfront.

Do I need perfect credit to qualify?+

No, our partners offer flexible programs designed for a variety of credit profiles. Momnt in particular uses a soft credit pull that has no impact on your score, so there is no risk in seeing what you qualify for.

How long does approval take?+

Both partners typically return decisions within minutes of a complete application. Most clients are pre-qualified the same day they apply.

Will checking my options hurt my credit score?+

No, both partners offer soft-pull pre-qualification that does not affect your credit score. A hard pull only happens if you choose to accept and finalize a loan offer.

Are there prepayment penalties?+

There are no prepayment penalties on Momnt loans, so you can pay off early without extra fees. Foundation Finance terms vary by program, and we will walk you through the specifics when you apply.

What’s the maximum amount I can finance?+

Momnt finances up to $75,000 per project, while Foundation Finance amounts vary by program and approval. Most home renovation scopes, including full-home remodels, fit within these limits.