The right project should not wait on the budget.
Swell works with financing providers that offer competitive rates on remodeling and flooring projects. You see the real options, with the real numbers, at your consultation.
The short answer
Financing is available on Swell projects through partner lenders with competitive rates. We are finalizing which providers we will offer, so no program, rate or term is published yet. The estimate is the same whether you finance or pay directly, and the lender's terms are disclosed to you in writing before you commit.
- Who lends
- Independent financing providers we work with, not Swell. Their disclosure shows the rate and term.
- What it covers
- Kitchens, bathrooms, whole-home remodels, ADUs, cabinetry and larger flooring projects.
- What it costs you
- The written estimate does not change. Interest or fees are between you and the provider.
- When you see numbers
- At your consultation, once the scope and planning range are on paper.
- Next step
- Book a consultation or call (760) 587-9299 and ask for the current options.
How it works
- 01
Scope first
We measure, design and write the scope with a planning range, exactly as we would for any project.
- 02
Options on paper
You tell us you want to finance; we hand you the current provider options and their disclosures.
- 03
You apply with the provider
The application and approval run through the lender directly. We do not see your credit information.
- 04
Work starts on the same schedule
Approved financing pays the project on the same milestones as a direct payment. Nothing about the build changes.
Know the range before you ask about payments
A monthly payment only means something next to a real project number. Swell publishes its 2026 planning ranges: kitchens $35,000 to $95,000, bathrooms $25,000 to $70,000+, detached ADUs $180,000 to $350,000, hardwood refinishing $4 to $9 per sq ft and installation $8 to about $18 per sq ft. Start with the estimator, then bring the range to the financing conversation.
Financing questions
Does Swell Contracting offer financing?
Yes, through financing providers we work with rather than in-house credit. They offer competitive rates on remodeling and flooring projects. We are finalizing the lenders we will offer, so we do not publish a program, rate or term here; you get the current options, in writing, at your consultation.
What projects can be financed?
Kitchens ($35,000 to $95,000 planning range), bathrooms ($25,000 to $70,000+), whole-home remodels, ADUs ($180,000 to $350,000 detached), cabinetry and larger flooring jobs. Smaller work such as a screen and recoat is usually paid directly.
Does financing change the price of the project?
No. The written estimate is the same whether you pay directly or finance. Any lender fee or interest is between you and the provider and is shown in their disclosure before you sign anything. We never add a financing markup to the scope.
When do I find out the rate and the monthly payment?
At or right after your consultation, once the scope and the planning range are on paper. The provider quotes the rate based on your credit and the amount; we do not see your credit information and we do not set the rate. Ask for the options as soon as you have a range you are comfortable with.
Can I combine financing with the fixed-price cabinet packages?
Yes. The cabinet packages from $14,900, $21,900 and $29,900 are priced the same way regardless of how they are paid, and they can be part of a larger financed kitchen or financed on their own, subject to the provider's minimum.
What should I have ready?
A sense of the project (photos and a rough size), the range you want to stay inside, and when you want to start. The provider will ask for the usual identity and income details directly through their own application; we do not collect those.
Next step
Ask for the current financing options.
Book a consultation and say you want to see financing; we bring the provider options and their written terms to the first meeting. Swell Contracting, CSLB B #970145.