Pay in two steps. Finance if you want.

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. You are never required to finance through our partners, and we do not charge a financing fee either way. Klema Builders bills 50 percent on material delivery and 50 percent at the final walk-through, and the fixed-price quote you sign is the total you pay. Financing through Hearth or GreenSky is optional, with a soft-pull pre-qualification and no financing fee from Klema. Free in-home consult, fixed-price quote line by line within 3 to 5 business days.

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.

We work with two home services lenders so you can compare outdoor living loan options before you commit to a single board. Soft credit pull only, fixed monthly payments, and no obligation to use them. Pre-qualify with either one, or neither. Financing is an option, not a requirement. 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. GreenSky: Bank-backed home improvement financing with instant credit decisions and direct-to-contractor disbursement when funds release.

Custom decks, pergolas, covered patios, screened porches, patios and pavers, fencing, metalwork, and full backyard transformations are all eligible. The lender confirms the amount and terms for your project during pre-qualification, based on the fixed-price quote.

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. Half on material delivery, half on completion: the price you sign at contract is the total you pay, in two transactions. 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. 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. 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.