FINANCING
Monarch Bay Renovations & Truist Bank
Serving Maryland – Contact Us Today!
Easy, Flexible Financing for Your Dream Renovation
Offered exclusively by Monarch Bay Renovations in partnership with Service Finance Company, LLC (a Truist Bank subsidiary)
WE OFFER Flexible Financing Options for
Your Home Renovation Project Through truist Bank (svc finance)
Why Homeowners Love Our Financing
Fast, 60-second approvals
No pre-payment penalties
Fully digital e-signature - sign on your phone
Staged funding keeps your project on schedule
Choose Your Plan
Choose a plan that fits your budget
PLAN 1
6-Month Same-as-Cash
Perfect for tax-refund projects, bonuses, or investor flips
Cost:
0 % & 0 payments for 6 months
Borrow: $1,000 – $100,000
Borrow what you need $1k - $100k
No Penalty
if you decide to pay off early
Flexibility: Pay the balance any time in the promo period and owe zero interest
Example: $15,000 bath remodel → $0/month for 6 mo, then standard payments if any balance remains
PLAN 2
5-Year Low-Payment
Great for kitchens, decks, and bathroom remodels
Cost:
7.99 % APR for 60 fixed payments
Borrow: $1,000 – $100,000
Borrow what you need $1k - $100k
No Penalty
if you decide to pay off early
Predictable: Know your payment on day one—no surprises
Example: $25,000 deck → ≈ $505/month for 60 mo
PLAN 3
25-Month 0 % Equal Pay
For homeowners who want interest-free and can manage a slightly higher payment
Cost:
0 % interest over 25 equal payments
Borrow: $1,000 – $100,000
Borrow what you need $1k - $100k
No Penalty
if you decide to pay off early
Fast finish: Own your project free and clear in just over 2 years
Example: $20,000 kitchen → 25 payments of ≈ $800 (interest-free)
PLAN 4
12 – 15 Year Stretch
Ideal for whole-home remodels, additions, and large pool-wrap decks
Cost:
6.99 % – 7.99 % over 144-180 months
Borrow: $3,000 – $100,000
Borrow what you need $1k - $100k
No Penalty
if you decide to pay off early
Smallest monthly payment available—keeps cash in your pocket
Example: $80,000 full-home reno → ≈ $816/month (144 mo) or ≈ $768/month (180 mo)
Quick 3-Step Decision Guide
Can you pay it off in 6 months?
→ Choose 6-Month Same-as-Cash.
Prefer the lowest possible payment?
→ Choose 12–15 Year Stretch.
Want balanced monthly payments?
→ Choose 5-Year Low-Payment or 25-Month 0 %.
How It Works
Pick your plan with your Monarch Bay consultant.
work with us to pick your plan
5-minute application—name, address, income.
Instant decision—most approvals in 60 seconds.
E-Sign on your phone (four taps).
We get to work! Funding arrives as each stage is completed.
What We’ll Need From You
Government-issued photo ID
Social Security number & estimated annual income
Mobile phone or email for e-signature link
(No bank statements required in most cases.)
Financing provided by Service Finance Company, LLC, a subsidiary of Truist Bank. All loans subject to credit approval. Rates, terms, and dealer fees may change without notice.
Monarch Bay Renovations · 1430 Joh Ave, Suite G, Baltimore MD 21227 · MHIC #149066 · Licensed & Insured · 3-Year Workmanship Warranty.
HFS FINANCING - OPTION 2
At Monarch Bay Renovations, we understand that home renovations can be a significant investment. That’s why we offer flexible financing options to make your home renovation project more accessible and affordable. We’ve partnered with HFS home loans to offer you a stress-free financing experience that doesn’t impact your credit score.
HFS is a leading provider of home improvement financing solutions, offering an easy and fast online process to check if you qualify and compare offers from top lenders. With HFS, you can quickly and easily access financing options with interest rates as low as 3.99% APR and terms up to 12 years, making it possible for you to fund your home renovation project without breaking the bank.
The application process is straightforward and secure, and you can complete it online in just a few minutes. Plus, with no impact on your credit score, you can shop with confidence knowing that your credit history remains intact.
At Monarch Bay Renovations, we believe that everyone deserves to live in a home they love, and we’re committed to making your home renovation dreams a reality. Contact us today to learn more about our financing options and start your home renovation project with confidence.
Pre-qualify for loan offers in minutes
Compare and select the best offer for you
Won't affect your credit score to check if you qualify
Finish application with the lender
Receive funding and pay your contractor directly
Get the renovation you really want and deserve
Join 6,000+ Satisfied Customers!
Give us a call today to schedule your free in-home estimate.