Low Monthly Payment Plans
Spread your project cost over 24-120 months with competitive fixed APRs and no prepayment penalties (subject to lender terms).
Renovation financing · Toronto & GTA
Make the upgrades now.
Pay over time.
Whether it's a kitchen refresh or a full exterior makeover, our financing partners help eligible homeowners spread costs into simple, predictable payments. Read verified feedback on Renovation.Reviews.
About LF Builders
Who is LF Builders? For over 50 years, L.F. Builders has served Toronto and the GTA with high-quality, durable, and beautiful work- from interlock pathways and flagstone patios to aluminum work, kitchens, bathrooms, and waterproofing. With more than 30,000 completed projects, our team brings craftsmanship you can trust.
Since 1979 • 30,000+ projects • Toronto & GTA
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1
Check eligibility
Soft credit check with our lending partners to preview options without impacting your score.
2
Choose a plan
Pick monthly payment or promo plans sized to your project and timeline.
3
Approval & docs
Securely upload documents and finalize your loan with the lender.
4
We build
Funds are released per your program and work begins - on schedule.
Frequently asked questions:
Who provides the financing?
We work with reputable third-party lenders. Your loan agreement is between you and the lender. We're happy to help you compare options to fit your project.
Is there any penalty for early repayment?
Many fixed-term installment loans do not have prepayment penalties, but policies vary by lender. We'll highlight this before you apply.
Do you have options for lower credit scores?
Lenders consider a range of factors. We can help you explore programs designed for broader credit profiles.
Are there rebates or incentives?
Depending on your location and project type, utility or municipal incentives may apply (e.g., insulation, windows, heat pumps). We can point you to current programs while planning your scope.
How does $RENO coin work as a payment option?
You can settle your renovation in full or in milestones using the $RENOVATION ($RENO) token. We issue an on-chain payment request tied to your LF Builders invoice; once confirmed, we schedule the work like any other payment method.
What types of projects qualify for financing?
Most home renovations are eligible, including kitchens, bathrooms, basements, roofing, siding, windows/doors, interlock/concrete, waterproofing, decks/fences, energy efficiency upgrades, and more. If you have a specific project in mind, we can help you determine the best financing options.
Trusted partners
We work with leading financial institutions to provide flexible options for your renovation.
