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Hardscaping & Outdoor Living

Grow Your Hardscaping & Outdoor Living Business with Fast, Flexible Financing

ENROLL

Turn “let me think about it” into signed contracts for paver patios, outdoor kitchens, artificial turf, and retaining walls. With Sunlight Financial, you get fast credit decisions, 0% dealer fee options, and funding in as little as 24 hours, allowing you to break ground faster and keep your margins intact.

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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

Enter your info below and a Sunlight representative will contact you within 24 hours.

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Don’t Let High Estimates Turn Your Outdoor Living Designs into “Maybe Later”

Outdoor living and hardscaping pros know the challenge: a homeowner dreams of a multi-tier patio or a complete backyard overhaul, but the five-figure price tag causes them to hesitate. Without affordable payment options, high-end designs get scaled back or postponed indefinitely.

Sunlight eliminates cost as a barrier, giving homeowners the confidence to invest in their property’s curb appeal today.

Orange®: Scaling High-Volume Outdoor Living with Precision Sales Tools

For established hardscape and design-build firms, Orange® serves as a sophisticated sales engine built for scale. Your team can manage complex multi-phase builds or high-end residential installations while presenting premium designs with the financial clarity needed to keep the project moving.

Why high-volume outdoor living contractors choose Orange®:

  • No impact to homeowners' credit until funding with soft credit pulls during pre-qual
  • Side-by-side payment calculator (show Good / Better / Best material options)
  • Paperless process with e-signature loan docs handled right from your tablet
  • Mobile app and dedicated support for in-field selling
  • Reporting dashboards to track decisions, funding, and sales performance

Orange® provides the operational visibility and sales control required to scale your outdoor living business without increasing your administrative workload.

Learn More About Orange®
contractor reviewing financing options with homeowners at an outdoor table
homeowners reviewing financing on a tablet in their front yard

Tangerine™: High-Growth Financing Built for the Field

Tangerine™ gives growing hardscape and outdoor living companies a streamlined, mobile-first path to faster funding. Every feature helps you keep the crew on schedule by removing the friction of traditional paperwork. With zero dealer fees and fast credit decisions, it is the ideal tool for pros who want to spend more time in the field and less time at a desk.

Key benefits of Tangerine™ for hardscape & outdoor living contractors:

  • No dealer fees = more margin to reinvest in equipment or nursery stock
  • Mobile-first access from the jobsite or during a backyard consultation
  • Loan terms up to 15 years, making large hardscaping projects feel like small monthly bills
  • Funding as early as 24 hours to help manage inventory and labor costs
  • Accessible to a broader homeowner credit range

Tangerine™ gives homeowners the financial confidence they need before the first shovel hits the dirt, turning luxury outdoor designs into realistic home improvements.

Learn More About Tangerine™

Who We Are

Give Your Customers the Freedom to Say “Yes” to the Whole Design

Flexible financing puts the homeowner in control of their monthly budget, making it easier to commit to a total backyard transformation. When you show a client they can bundle pavers, a retaining wall, LED lighting, and a built-in fire feature into one manageable payment, you remove the “sticker shock” that usually stalls a project.

Our diverse loan portfolio offers a fit for almost every homeowner. Sunlight Maxx™ serves as a full-spectrum lending solution, providing options for prime, near-prime, and non-prime credit profiles so fewer customers get left behind.

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Close More Sales

Meet your customers’ needs and increase their buying power for premium stone and features.

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Increase Margins

Financing increases average ticket size and allows for easier upselling of outdoor kitchens.

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Get Paid Faster

Our easy one-click platform facilitates fast and convenient funding upon project completion.

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Happy Customers

High credit limits let projects go from bare backyard to the neighborhood’s regular cookout spot.

WE OFFER THE SUPPORT YOU NEED

Think of Us as an Extension of Your Back Office

Sunlight Financial provides the specialized tools and hands-on guidance required for a seamless onboarding experience. Our support team, SunDial™, stays available six days a week to help you navigate everything from initial setup through the peak of spring build season.

Partnership includes a dedicated account manager who serves as your direct resource for scaling your outdoor living business. This expert helps you maximize the impact of Tangerine™ or Orange® and ensures you are always up to speed on the latest promotional programs.

We have built a foundation of trust with contractors across the country, funding over $10 billion in loans to date. Join the community of 15,000+ sales professionals using our technology to eliminate price objections and grow their bottom line.

Stop letting budget constraints stall your next hardscaping build. Apply today to start offering the financial flexibility your customers want.

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