Have Questions? We’ve Got Answers.
Whether you’re a homeowner exploring financing or a contractor looking to grow, our FAQ section covers everything you need to know about working with Cliffside.
Frequently Asked Questions
How fast can I get financing approved?
Most homeowners are approved within 24–48 hours after submitting their application.
Do I need home equity to qualify?
No. Our financing does not require you to use your home as collateral.
What types of projects can be financed?
We primarily finance outdoor projects like patios, driveways, retaining walls, and pools — but we also consider other renovation types upon review.
Who handles the loan paperwork?
Homeowners complete a short application through our secure system. We handle coordination with the lender directly.
How do contractors get paid?
Contractors are paid in structured phases — typically a deposit, progress payment, and final payout — based on project scope and milestones.
What’s the cost to join Cliffside as a contractor?
There’s no cost to join. Any service fees only apply when a project is approved and you are profiting.
Can I use Cliffside financing for my own customers?
Yes! Contractors can offer Cliffside financing to their existing customers to help close more projects.
Do you run a credit check on homeowners?
Yes. A soft credit check is performed during pre-approval, which does not impact the homeowner’s credit score.
What areas do you currently serve?
We serve Florida, Texas, and California — and we’re rapidly expanding to new states. Contact us to see if we can help in your area.
How do I apply to become a contractor?
Apply through our Contractors page or call us directly for instant service. We review applications and respond within 1–2 business days.