Financing Available! We have financing options available for your next project. Learn more →

Flexible Financing for Your Dream Project

See offers in minutes with no hard credit check. Finance down payments same as cash, partial payments, or even your entire project.

Convenience for your Dream Project

Financing that works like a line of credit—use only what you need with low monthly payments.

Quick & Easy

See offers in minutes with no hard credit check

Simple mobile-friendly application

Flexible & Affordable

Low monthly payments (5–15 years)

“Same as Cash” option: pay within 6 months, no interest

Stress-Free

No liens or appraisal requirements

Funds sent directly when milestones are reached

Why should you get financing?

Financing gives you options whether you’re in a bind and need cash quickly or want to hold onto your cash for other projects.

Is Buildertrend Financing secure?

Yes. Buildertrend is partnering with Nelnet Bank, Member FDIC, to provide efficient and secure funding for your project.

Option 1

6-months Same as Cash

No interest or monthly payment
Enjoy the flexibility of arranging payments anytime within a year of receiving the loan. Interest accrues at 24.99% APR, but is waived if paid in full within 180 days.1

See Your Offer in Minutes!

Option 2

Low monthly payment

Starting at 7.49% APR
Break your project up into manageable monthly payments with no prepayment penalty. Available with the full range of 7.49%-11.99% APR.2
See Your Offer in Minutes!

See your offer in minutes with no hard credit check!

→ No down payment required.

→ Loans up to $150,000.

Frequently Asked Questions (FAQ)

Q: How much can I borrow?

A: Loan amounts range from $3,000 to $150,000. 1-5 year term loans or 6 months same as cash.

Q: Will applying affect my credit score?

A: Checking offers will not impact your credit score.

Q: Can I pay off my loan early?

A: Yes! There’s no prepayment penalty.

Q: How do disbursements work?

A: You’ll receive a text message when a milestone is reached—just reply “PAY” to authorize payment.

Q: Where do I manage my loan?

A: After your first disbursement, you’ll get an email to set up your Nelnet Bank portal for easy loan management and autopay.

Financing applied for and processed through the Buildertrend platform is provided by Nelnet Bank, Member FDIC (13907 South Minuteman Drive, Draper, UT 84020) without regard to age, race, color, religion, national origin, sex, gender, handicap, or familial status. Loans offered to qualified consumers for the purpose of personal, household, or family use only. All loans subject to qualifying credit approval. Offers are subject to change and may be discontinued at any time. Minimum loan amounts apply. Available load amounts from $3,000 to $150,000. Checking your rate results in a soft credit pull, which will not affect your credit score. If you continue with your application, Nelnet Bank will request your permission to obtain your full credit report from one or more reporting agencies. This is a hard credit pull and may affect your credit score.

  1. No minimum monthly payment requirement and no interest for the first 6 months (180 days) form date funds are disbursed to your contractor. Interest begins to accrue during this 6-month promotional period at a 24.99% fixed API beginning from the date the funds are first disbursed to your contractor; but all interest is waived if the principal loan amount is repaid in full before the end of the 6-month period. Any outstanding amount, including the principal and accrued interest, not repaid in the promotional 6-month period is subject to varying repayment terms thereafter of 60 to 180 months depending on the initial principal loan amount approved.
  2. 7.49% to 11.99% fixed APR, based on creditworthiness, the length of the loan, and loan amount. Lowest rate available only to the most creditworthy applicants; not all applicants will quality for the lowest rate. Repayment terms vary from 60 to 180 months depending on the loan amount. The first principal and interest payment will be due 45 days from the date the funds are first disbursed to your contractor. Payment example: Monthly payments for a $40,000 loan at 8.89% APR with a term of 10 years would result in 120 monthly payments of $504.32.