Kitchen and bathroom remodels are among the most sought-after — and most expensive — home improvement projects. But for many homeowners, getting financing approval is the biggest barrier between planning and pulling the trigger.
When a customer’s credit isn’t strong enough for prime lending, the sale often stalls. That’s where second-look financing makes a difference.
If you’re a kitchen or bath remodeler, offering second-look financing helps you recover more jobs, increase approvals, and give customers a path forward — even after a decline.
What Is Second-Look Financing?
Most financing platforms rely on a single prime lender. The customer applies, and if they qualify, the loan goes through. But if they fall outside the credit window, that’s often the end of the conversation.
Second-look financing gives customers a second chance.
Through Pure Finance Group’s second-look program, declined applications are automatically sent to a secondary lending partner that specializes in working with near-prime and subprime borrowers. No extra work for you — just more “yes” in your pipeline.
Why Remodelers Need Second-Look Options
The average kitchen remodel runs $25,000 to $50,000+, and bathroom projects can easily hit five figures. Even highly motivated homeowners can hit a wall when it comes to credit approval.
If your only financing tool is a prime-only lender, you’re walking away from qualified buyers — not because they don’t want the project, but because they don’t have access to flexible terms.
With Second-Look Financing:
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You turn declines into active deals
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You help customers move forward without budget cuts
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You offer monthly payment plans that actually fit real income ranges
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You protect your margins without lowering scope or price
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You close more jobs without absorbing more risk
No Risk. No Hassle. Just More Approvals.
Second-look financing doesn’t require extra effort — or expose you to financial risk. All loans through Pure’s platform are handled by licensed lenders. You’re not the one collecting payments or managing approvals.
We do that.
You stay focused on the work: designing, remodeling, and delivering a high-quality finished product.
How to Start Offering Second-Look Financing
Adding Buy Deep to your sales process is seamless. Here’s what it looks like:
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Get set up with Pure Finance Group
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Offer point-of-sale financing to your customers
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Let us automatically route declined apps to a second-look lender
No extra steps. No extra software. Just stronger approval rates and better close ratios — especially on higher-ticket jobs.
Stop Losing Good Jobs Over a Credit Score
Remodeling projects don’t have to die at the financing step. Whether it’s a full kitchen redesign, a luxury bath renovation, or anything in between — second-look financing helps you save the sale.
Second-looks give you another shot at the “yes” — and helps homeowners move forward without compromise.
Ready to add second-look financing to your remodeling business?
