Klema Builders
Custom covered patio with limestone columns and outdoor seating

Pre-qualify in 60 Seconds.No Credit Hit.

We partner with two of the most-trusted home services lenders in the country so you can compare real outdoor living loan options before you commit to a single board. Soft credit pull only, fixed monthly payments, and no obligation to use them.

Get a free quote firstTake the 90-second quiz
Our financing partners

Compare both. Pick the one that fits.

  • Hearth

    Built for home services. Soft-pull pre-qualification in 60 seconds, multiple lenders compared in one form, fixed monthly payments with terms 2 to 12 years.

    Visit Hearth

  • GreenSky

    Bank-backed home improvement financing with promotional 0% APR options for qualified borrowers, instant credit decisions, and direct-to-contractor disbursement when funds release.

    Visit GreenSky
How we bill

Half down, half on completion. That is it.

Most outdoor living contractors drip-feed invoices through the build. We do not. The price you sign at contract is the total you pay. Two transactions, no surprises.

  • 01

    50 percent on material delivery

    The first installment is due when we deliver materials to your home. This covers the lumber, composite, hardware, and finishes your project requires.

  • 02

    50 percent on final walk-through

    The remaining balance is due after we walk the finished project with you, you sign off on the punch list, and every manufacturer warranty is registered in your name.

  • 03

    No progress draws between

    No drip-fed deposits. No mid-build invoices. No scope-creep change orders. The price you sign at contract is the total you pay.

Klema Builders does not earn referral fees or commissions on the financing partner you choose. We do not mark up the build if you finance it. The quote is the quote.

Financing FAQs

Questions homeowners ask before financing.

How does financing work with Klema Builders?
Klema Builders partners with Hearth and GreenSky for outdoor living project financing. Pre-qualification takes 60 seconds with a soft credit pull that does not affect your score. 0 percent intro APR options are available on most projects. You are never required to finance through our partners, and we do not charge a financing fee either way.
How do I pre-qualify without affecting my credit?
Both Hearth and GreenSky use a soft credit pull for pre-qualification, which does not impact your credit score. You can compare rates and terms before deciding whether to formally apply. Pre-qualification typically takes under 60 seconds online.
What kinds of projects can I finance?
Custom decks, pergolas, arbors, covered patios, screened porches, patios and pavers, and full backyard transformations are all eligible. Most outdoor living projects between $5,000 and $150,000 fit within our partners' standard programs.
Are there 0% interest options?
Yes, both Hearth and GreenSky offer promotional 0% intro APR programs for qualified borrowers, typically 12 to 24 months. Standard fixed-rate loans are also available with terms up to 12 years.
How does the payment schedule work with Klema Builders?
Klema Builders bills 50% upon material delivery and 50% upon final walk-through and project completion. There are no progress draws, no mid-build invoices, and no scope-creep charges. The price you sign at contract is the total you pay.
Can I use a HELOC or my own financing instead?
Absolutely. Many homeowners use a HELOC, home equity loan, or simple cash. Our partners are an option, not a requirement. Klema Builders does not charge a financing fee either way.
How fast is funding once I'm approved?
Most approved loans fund within 24 to 72 hours of final acceptance. That covers our 50% material deposit so we can order materials and lock your build schedule.

Get a real quote first. Financing is the easy part.

Take the 90-second quiz and we will text you a custom price range. Then you decide if and how to finance.

Take the 90-second quiz(210) 974-9386