Do You Want The Renovation You Actually Want… Without Draining Your Cash Reserves?

Explore smart, flexible home renovation financing options for kitchens, bathrooms, additions, basements, and whole-home remodels—so you can move forward with confidence instead of putting your dream home on indefinite hold.

Thank you for getting started with On The Mend Home Renovations LLC. Here's one extra perk for choosing us: convenient and flexible payment options. These act like a line of credit that can be used for down payment, partial payment, or full project payment. Even if you've thought to pay by check, setting up a reserve payment option can take the stress out of project planning. Let us help you fund the project of your dreams and plan for the unexpected.

• Credit amounts between $3,000 and $150,000
• Same as Cash option (pay however you'd like within 12 months to receive no interest)*
• Low monthly payment options with competitive rates*
• No prepayment penalty

*Advertising Disclosure (https://nelnetbank.com/ratesandtermsdisclosureagra).

Buildertrend Financing - Click to get started

The process is simple:

See Offers
See offers with no hard credit check in minutes. Complete your application online with our mobile friendly process, no paperwork required.

Qualify & Sign
Once you select an offer, complete bank qualification steps and sign your loan documents. Once signed, your funds are available for use!

Text Message Approval
As we reach project milestones you will get a text message for the bank to authorize a disbursement. Reply "PAY" to transact. No need for any extra work on your part, Nelnet Bank (Member FDIC) will send funds directly to us.

Manage Easily
When your first disbursement is processed you will receive an email with steps to log into the Nelnet Bank portal to view your loan and manage repayment (easy autopay setup available).

Explore flexible loan options

• See offers in minutes with no hard credit check!

• Acts like a line of credit, use as much or as little as you need. Funds can be used for down, partial, or full project payment with no liens or appraisal requirements.

• Attractive rates with low monthly payment options for 5 to 15 years or Same as Cash (pay in full anytime within a 12 month promotional period to pay no interest!)

*Advertising disclosure (https://nelnetbank.com/ratesandtermsdisclosureagra)

Waiting Can Potentially Cost You More Than Financing Ever Will

Sometimes the most expensive option is not financing your renovation. It is continuing to live with the problem.

A lot of homeowners delay their renovation because they assume the “responsible” move is to wait until everything can be paid in cash.

Sounds smart on paper.But in the real world?

Waiting often means:

living longer in a space that no longer works,
tolerating daily frustration, clutter, and inconvenience,
risking higher project costs later,
and postponing the enjoyment, function, and value your home could be giving you right now.

Is FINANCING FOR ME?

Frequently Asked Finance Questions

While financing is not always for everyone, Sometimes financing makes the most sense.

Question 1: What is home renovation financing ?

Home renovation financing refers to funding options that help homeowners pay for remodeling or improvement projects over time rather than paying the full amount upfront.

Question 2: Can I finance a kitchen remodel?

Yes. Many homeowners use financing for kitchen remodels, especially when they want to improve function, layout, storage, and overall home value without draining savings.

Question 3: Can I finance a bathroom remodel?

Yes. Bathroom remodel financing can help spread project costs over time while allowing you to upgrade outdated or inefficient spaces sooner.

Question 4: Can I finance a home addition?

In many cases, yes. Financing can be a practical option for larger projects like additions, especially when extra space is needed for a growing family or changing lifestyle.

Question 5: Is financing only for people who cannot pay cash?

Not at all. Many financially responsible homeowners choose financing to preserve cash flow, maintain liquidity, and make strategic use of their money.

Question 6: How do I get started?

The best first step is to schedule an On The Mend "Renovation Roadmap Design Consult" so we can discuss your renovation goals, project scope, and next-step options. If you are not ready for the Renovation Roadmap Design Consult and are just in the discovery phase, You can book a discovery call with one of our professional reps.

Most contractors start with guesses and free estimates. We start with clarity — A professional Design Consult that turns your project into a predictable plan before construction begins..