Build now. Pay over time.
Most Black Oak clients finance some or all of their project. We partner with best-in-class lenders so the payment plan is as intentional as the design.
Three flexible ways to fund your project.
0% for 18 months
Interest-free promotional financing for qualified applicants on projects starting at $10,000. Ideal for shorter-scope builds.
Extended fixed-rate financing
Fixed-rate installment loans up to 15 years with predictable monthly payments. Ideal for larger design-build projects.
Home equity partners
Introductions to our preferred lending partners for homeowners considering HELOCs or cash-out options. Often the lowest cost of capital.
Financing subject to credit approval and lender terms. Exact rates, terms, and eligibility vary. Specific offers shared during your consultation.
Four steps to funded.
Apply
Complete a 5-minute application through our financing partner's secure portal.
Get pre-approved
Decisions in most cases within minutes — no impact to your credit for pre-qualification.
Choose your terms
Select the plan that matches your project scope and monthly comfort level.
Build with confidence
Draw against your financing as project milestones are hit.
Let's talk through the numbers together.
Book a free consultation and we'll share exact rates and lender options that fit your project.