A good flooring contractor shouldn’t also be your bank. We’re tradespeople — we install floors, we don’t process loan applications. Instead, we partner with two of the most established home-improvement lenders in the country, and we’ll walk you through the options on the day of your estimate.

Why we don’t do in-house financing

Most flooring companies that “offer financing” have a salesperson on commission who steers you toward more expensive product (and more financing) to maximize the contract. We don’t. Our installers are paid as installers, not as salespeople, and the financing decision is yours to make with the lender directly — not with us in the middle.

The lenders we work with

Synchrony Home Improvement

Synchrony offers 0% APR promotional periods (typically 6, 12, 18, or 24 months) for qualified borrowers on home-improvement spending over $2,500. After the promotional period, standard variable APR applies on any unpaid balance. Application is online, decision is instant in most cases, and approved customers can use the line of credit immediately.

GreenSky Financial

GreenSky offers both promotional 0% plans and fixed-payment installment loans (typically 60-, 84-, or 144-month terms) at fixed APRs. Good option for larger whole-home projects where you want a predictable monthly payment over a longer horizon. Application is online; decision typically within minutes.

How to Apply Tell us at the estimate that you’re interested in financing. We’ll send you the lender’s application link the same day. You apply directly with the lender — we don’t collect or transmit your financial information. Once approved, the lender pays us directly for the work, and you pay the lender according to your plan’s terms.

Cash, check, and card

Of course, we also accept all the usual payment forms: cash, personal check (cleared before final walkthrough), and all major credit cards (Visa, MasterCard, AmEx, Discover) via a Stripe/Square reader on-site. Credit card payments carry a 3% processing surcharge that’s itemized in the quote — that’s our card processor’s fee, not a markup.

Insurance claim work

Roughly 30% of our repair work is insurance-driven: burst supply lines, dishwasher overflows, washing machine ruptures, ice maker leaks, and hurricane-related water intrusion. We document everything the adjuster needs (moisture readings, scope of damage, dated photos, pre-loss condition where determinable) in the format insurance carriers expect. We don’t bill the insurance company directly — you do — but our paperwork has been used successfully on dozens of claims with State Farm, Citizens, Universal, USAA, Tower Hill, and others.

Standard payment schedule for cash/check jobs

Estimate visit — free, no payment, no obligation.
Job signing — 10% deposit to lock the start date and order materials.
Material delivery — 30% due, payable on delivery to your site (typically 5–7 days before install).
Mid-install — 30% due at material 50% installed.
Final walkthrough — remaining 30% due on completion, after you’ve walked the floor and signed off.

For financed jobs, the lender handles disbursement to us and you pay them according to your plan’s terms — we don’t collect anything from you directly except the optional credit card surcharge if you choose to pay that way.

A note on financing math

If you take a 0% promotional plan, pay off the balance before the promo period ends. Most promotional plans are “deferred interest,” which means if you have any balance left at the end of the promo, you owe interest retroactively from day one. Set a calendar reminder. Pay it off in time. The math only works if you do.