Build Now. Pay Over Time.
Don't let budget timing delay your project. We offer flexible payment options for homeowners, farms, and businesses across Louisville and Kentuckiana.
Quick Credit Decision
Soft-pull pre-qualification in minutes — no impact to your credit score. Final terms and APR confirmed before you sign anything.
Fixed Monthly Payments
Lock in a predictable monthly payment for the term you choose. Many homeowners pair financing with a tax refund or year-end bonus to pay down quickly.
No Pre-Payment Penalty
Pay off the balance any time without extra fees. Use financing as a bridge to keep cash on hand for other priorities.
Personal & Commercial
Options for residential homeowners as well as business owners, farms, and property managers handling capital improvements.
How It Works
- Get your estimate. Free on-site walk and written quote — no obligation.
- Apply for pre-qualification. We send you a secure application link. Soft pull, fast answer.
- Choose your term. Pick the monthly payment that fits your budget.
- We start your project. You pay over time. Workmanship warranty still applies.
Who Qualifies
Approval depends on credit profile, debt-to-income, and the financing partner's terms. Most homeowners with fair-to-excellent credit qualify. We'll walk you through options on a free call.
Cash, Check, and Card Also Welcome
Prefer to pay direct? We accept Visa, Mastercard, Discover, Amex, cash, and business checks. Commercial projects can be invoiced with standard Net-30 terms with COI and W-9 on file.
Financing is provided through third-party lenders. Terms, APR, and approval are subject to lender review. S&S Fencing & Property Maintenance LLC does not extend credit directly.
Ready to talk numbers?
Free estimate first, financing options second. No pressure.