A new deck can transform a backyard — but the price can stop a project before it starts. Whether it’s a simple platform or a custom build with lighting, railings, and hardscaping, these upgrades aren’t cheap. And when customers can’t qualify for deck financing, those jobs often go cold.
That’s where second-look financing changes the game.
If you build decks, patios, or outdoor living spaces, second-look deck financing helps you recover declined applications, increase approval rates, and convert more estimates into signed contracts — without lowering your price or taking on risk.
When Traditional Deck Financing Falls Short
Most contractors offer one financing option through a prime lender. If the customer qualifies, the project moves forward. If not, the deal dies on the spot.
Second-look deck financing solves that problem. When an application is declined, it’s automatically sent to a secondary lender who works with near-prime and subprime credit profiles. That second review gives customers another chance to get approved — and gives you another shot at closing the deal.
The Hidden Cost of Lost Approvals
Deck projects typically range from $10,000 to $30,000 — and often tie into larger outdoor remodels. These aren’t minor expenses. Most homeowners need financing to move forward.
When their first application is denied, they may reduce the project scope, delay the decision, or walk away entirely.
With second-look financing:
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More customers qualify without needing perfect credit
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You preserve the full project scope
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You maintain your pricing and margins
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You boost your close rate without extra effort
How Second-Look Deck Financing Works for You
All financing through Pure Finance Group, including second-look options, is backed by licensed, vetted lending partners. You’re not taking on risk — you’re simply expanding your reach.
There’s:
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No chasing payments
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No added paperwork
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No managing multiple lenders
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No financial exposure
You offer the financing. We handle the rest.
Add Second-Look Options to Your Sales Process
Getting started is simple:
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Offer deck financing at the point of sale
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Let second-look lenders catch declined applications
It’s fast, fully integrated, and designed to help you close more jobs — especially when a homeowner is hesitant but motivated.
Build More Projects with Smarter Financing
If you’re not offering second-look deck financing, you’re missing out on projects that could be sold — and built.
This isn’t just about approvals. It’s about helping customers say yes and giving your business more chances to grow.
Talk to our team to enable second-look deck financing today
