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Decks & Patios

Close More Deck & Patio Projects With Simple, No-Fee Financing

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Homeowners love the idea of a dream backyard, but $20K+ project quotes often lead to hesitation or lost bids. For deck and patio contractors, that means stalled jobs, shrinking margins, and losing work to “wait and see” competitors.

Sunlight Financial makes outdoor living projects affordable with flexible financing your customers can say “yes” to on the spot — while keeping your margins healthy.

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Fast Credit Decisions

Approvals down to 600 FICO to help turn more estimates into signed contracts.

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0% Dealer Fee Options

Keep more of every contract with no dealer fees while protecting your margins.

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6-Click Application

Close jobs at the kitchen table with a fast, mobile-friendly process.

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Fast, Stable Funding

Get funded in as little as 24 hours to keep installs and cash flow moving.

Learn how Sunlight can grow your business

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Flexible Financing for Decks, Patios, and Paver Projects

Sunlight Financial is the contractor-first financing partner that helps homeowners move forward on outdoor projects without hesitation. Whether it’s a new deck, a patio upgrade, or a full backyard makeover, our full-spectrum lending solutions give your customers flexible options while helping your business close more deals.

With Sunlight, you can help homeowners turn their outdoor living dreams into reality while keeping your sales process seamless and your margins strong.

Orange®: Advanced Sales & Tracking for High-Volume Deck & Patio Builders

For established deck and patio companies, Orange® delivers a comprehensive platform built for high-volume outdoor projects. From managing multiple installations to offering homeowners side-by-side financing options, Orange® helps your team close more projects efficiently.

Why top deck & patio contractors choose Orange®:

  • No impact to homeowners' credit until funding with soft credit pulls
  • Side-by-side payment calculator (good / better / best options)
  • Fully paperless process with e-signature loan documents
  • Mobile app plus dedicated support for in-home consultations
  • Reporting dashboards to track approvals, funding, and sales performance
  • Seamless Flex Approvals™ for mid-project upgrades or add-ons

Orange® equips deck and patio contractors with the tools to scale operations, improve approvals, and keep projects moving smoothly.

Learn More About Orange®
deck work
deck work

Tangerine™: Streamlined Financing for Growing Deck & Patio Contractors

For growing deck and patio companies, Tangerine™ provides a mobile-first, simplified solution that accelerates approvals and keeps projects on track. With no dealer fees, instant approvals, and flexible terms, it’s ideal for contractors who want fast, hassle-free financing.

Key benefits of Tangerine™ for deck & patio builders:

  • No dealer fees = more margin to reinvest in your business
  • Mobile-first access from the job site or during in-home consultations
  • Loan terms up to 15 years, making upgrades more affordable for homeowners
  • Fast funding to help manage cash flow
  • Expanded access for a broader range of homeowner credit profiles

Deck and patio contractors using Tangerine™ can provide homeowners with flexible financing that makes every outdoor project easier to say “yes” to.

Learn More About Tangerine™

simple process and powerful tools

Contractor financing that is a natural extension of your business

Winning more home improvement projects doesn't need to be complicated. With Sunlight Financial, we make it easy for your sales team to delight customers and have more control over their sales process. Our intuitive sales platforms, Orange® and Tangerine™, streamline the sales process and empower sales teams to win more bids in six clicks from start to finish.

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Close More Sales

Meet your customers’ needs and increase their buying power

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Increase Margins

Financing increases average ticket size and allows for upgrades

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Expand Reach

Offering payment options gives you a competitive advantage

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Happy Customers

Max approvals allow projects to go from “fix it” to “improve it”

UNMATCHED SUPPORT FOR YOUR TEAM

Support Built for Deck & Patio Builders

Sunlight Financial provides the tools and guidance deck and patio contractors need to onboard smoothly and keep projects moving. Our SunDial™ support team is available to help with questions, troubleshoot issues, or guide you through our platforms. Plus, every partner is assigned a dedicated account manager who can offer personalized advice to grow your business.

Whether you’re using Orange® for high-volume projects or Tangerine™ for smaller-scale jobs, our team is here to make sure financing works for you.

With decades of experience in credit, consumer finance, and home improvement, Sunlight Financial has funded more than $10 billion in loans and supports over 15,000 sales professionals nationwide. Learn how we can help your deck and patio business close more deals and expand opportunities.

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