Financing

At NBE LLC, we understand that covering full project costs upfront isn't always feasible. That’s why we offer financing through Hearth, connecting you with trusted lending partners.

You can pre-qualify in minutes — without affecting your credit score — and choose from multiple loan options.

Benefits

Fast & simple pre-qualification

Explore your payment options in minutes with no impact on your credit score.

financing to fit your budget

Choose loan amounts from $1,000 to $100,000 with repayment terms of 1–10 years — all with affordable monthly payments.

Secure, fast funding

Apply through Hearth’s trusted platform and receive funds directly in your account in as little as 1–3 business days.

Follow our process

We talk money early

During our initial consultation, we’ll ask if you’d prefer a one-time payment or explore monthly financing options. Most of our clients appreciate having both choices.

Pre-qualify with zero credit impact

Using a simple online form, you’ll pre-qualify through Hearth. This helps you see what loan options and payment plans are available — without affecting your credit score.

Compare & choose

Once pre-qualified, you’ll be able to compare real loan offers from Hearth’s trusted lending partners.

Get funded fast

Upon approval, the funds are deposited directly into your account within 1 to 3 business days, so we can begin your project immediately.

Begin building with peace of mind

With financing secured, you can move forward confidently — knowing your investment is protected by our commitment to quality and transparency.

what to expect

Rate Plan

Pre-qualification rate*

Est. APR Range**

Loan amount

Loan term***

Lending partners

Excellent Credit Plan:700 - 850 FICO

90%

5.34% - 16.30%

$1,000 - $100,000

1 - 10 years

Good Credit Plan:640 - 700 FICO

70%

13.00% - 26.87%

$1,000 - $100,000

1 - 7 years

Building Credit Plan:Below 640 FICO

39%

19.95% - 30.61%

$1,000 - $50,000

1 - 5 years

*For each self-reported credit score range, pre-qualification rate is calculated by dividing the number of pre-qualified Hearth users by the total number of users whosubmitted a loan request.

**For pre-qualified Hearth users with this credit score range, our lending partners returned loan options with this range of minimum APRs for the 65% of pre-qualifiedusers with minimum APRs between the 10th and 75th percentiles.

***For example, a loan in the amount of $10,000 for a term of 5 years with an APR of 6.00% would be repaid over 60 monthly payments in the amount of $193.33.

FAQ

Does applying for financing affect my credit?

No. Pre-qualification is a soft inquiry and has no impact on your credit score.

Who are the lenders?

Hearth partners with a network of trusted financial institutions, each offering different rates and terms to fit a variety of credit profiles.

What if I’m not approved?

We’ll work with you to explore other options and suggest the best path forward for your project.

Can I use financing for any type of project?

Yes! Whether it's an ADU, full remodel, new construction, or energy-efficient upgrade — financing can apply.

FINANCING