We have partnered with HFS Financial to bring you flexible, low-fixed-rate financing for your landscape, hardscape, irrigation, lighting, and outdoor living projects. Check your rate in minutes — with no impact to your credit.
Creating the outdoor space you want does not always require paying for the entire project upfront. Cable Bros Outdoor Living & Landscaping helps homeowners throughout the Greater Dayton area explore financing options for landscaping, paver patios, retaining walls, drainage improvements, irrigation systems, landscape lighting, water features and complete backyard transformations.
Start by scheduling a consultation and receiving a detailed project proposal. Once the scope and estimated cost are established, you can review available financing options and select a payment approach that fits your project and budget.
Use our quick estimator to see what your monthly payment could look like. When you are ready, click “Inquire Now” to check your actual rate with our financing partner, HFS Financial — it only takes minutes and will not impact your credit score.
HFS offers market-leading rates and fixed repayments.
HFS funds your loan directly to you — full control.
Borrow through HFS without affecting your home equity.
HFS prequalifies you for loan options in minutes.
HFS lets you lock in your rate to budget with confidence.
HFS checks your rate with no risk to your credit score.
Estimate your monthly payment. Inquiring won't impact your credit.
This calculator is for estimation purposes only. It does not constitute a loan offer, quote, or commitment to lend. Your actual rate, terms, and monthly payment will be determined by HFS Financial after you complete an inquiry and are matched with a lender. You must go through HFS to receive your final proposed terms.
The financing process is handled entirely by our partner, HFS Financial. Here’s how it works:
Does NOT affect your credit. Get same-day answers.
View instant loan options or speak with a loan consultant.
Securely upload some basic documents for loan verification.
Loan proceeds available within 48 hours of approval.
HFS Financial is a trusted home improvement loan platform with one-of-a-kind loan programs and world-class service — backed by 4,000+ five-star reviews. Their platform loans are personal loans, meaning no equity is needed, and all loans fund 100% direct-to-consumer.
HFS performs a soft credit check to present you with full loan options. You can check your rates with no impact to your credit. Whether you want to finance a paver patio, retaining wall, landscape installation, irrigation system, outdoor lighting, water feature, or any other Cable Bros project, HFS is your trusted partner.
Funds disbursed directly to you.
Personal loans, not secured loans.
Funds within 48 hours of approval.
Dedicated loan consultants.
HFS Financial by the numbers
Use HFS financing for any Cable Bros Outdoor Living project — and more.
Homeowners across the Greater Dayton region can finance their outdoor living and landscaping projects through our partnership with HFS Financial. From a new paver patio in Centerville to a full backyard transformation in Beavercreek, we design and build throughout the communities we serve — and financing is available for all of them.
Yes. We have partnered with HFS Financial to offer flexible financing for our landscaping and outdoor living projects. After you receive your project proposal from Cable Bros, you can check your rate with HFS and, if approved, use the loan to cover your project.
You can finance nearly any project we build — landscape installation, paver patios and walkways, retaining walls, fire features, pergolas and pavilions, irrigation systems, landscape lighting, water features, drainage solutions, and complete backyard transformations. HFS also finances pools, decks, roofing, kitchen and bath remodels, and other home improvement projects beyond what Cable Bros builds.
HFS does not publish a strict minimum, but financing is generally most practical for projects starting around $5,000. For smaller projects, we are happy to discuss whether financing makes sense for your situation.
In many cases, yes. HFS offers up to 120% financing, which means you may be able to finance your full project cost and even include a buffer for materials, permits, or unexpected additions. Your actual loan amount depends on credit approval and the lender you are matched with.
No. HFS performs a soft credit check to show you loan options, which has no impact on your credit score. A hard inquiry only occurs if you choose to move forward with a specific lender and formally accept a loan offer.
HFS provides same-day prequalification, so you can see your loan options in minutes. Once you submit documents for verification and are approved by a lender, funds are typically available within 48 hours.
Yes. You can finance a portion of your project and pay the remainder in cash. This can lower your monthly payment and reduce the total interest paid over the life of the loan. Let us know your preferred split and we can help you plan accordingly.
HFS financing is designed for residential homeowners. For commercial projects, we provide separate proposals and payment terms — contact us directly to discuss your commercial landscaping, irrigation, or snow removal needs.
Absolutely. Paver patios, retaining walls, and drainage solutions are some of the most common projects our customers finance. Because these projects often involve significant materials and labor, financing can be a practical way to spread the cost over time without draining your savings.
To check your rate with HFS, you will need basic personal information including your name, address, estimated annual income, and housing details. If you move forward with a lender, you may be asked to verify income and identity with documents such as pay stubs or a government-issued ID.
Check your rate in minutes with no impact to your credit. Then give us a call and let’s start designing your outdoor transformation.
HFS Financial is not a lender. The information you provide to HFS Financial is not an application for a loan from HFS Financial. HFS Financial does not endorse, warrant, or guarantee service or products of any lender or broker and does not guarantee and makes no representations of any rates, points, and loan programs that are offered by one or more unaffiliated third-party lenders. Products and services available vary based on programs/limitations/requirements of third-party lenders. Restrictions apply and services not available in every state or for every project type. NMLS and MD CSB # 1680766. A closed-end loan from a third-party lender for $60,000 with a fixed rate of 7.8% and an APR of 8.08% for a term of 20 years would result in 240 payments of $494.10, assuming the loan is not paid off early. Loan programs described have no prepayment penalties. Not all will qualify.
