Transform Your Home With Flexible Financing.

Fast funding for renovations, repairs, and value-adding projects.

Two individuals painting a room with blue paint, focused on applying color to the walls with brushes and rollers

Home Improvement Loan

SWE Lending’s Home Improvement Loans give homeowners and investors a simple way to finance upgrades. Whether you’re remodeling a kitchen, repairing damage, or completing a full rehab, our flexible terms and fast approvals make your project easier from start to finish.

What You Can Finance

Kitchen, bath, and interior updates
Roof, HVAC, and exterior repairs
Full renovations or rebuilds
Fire or storm damage repairs
Cosmetic and structural improvements

Why Borrowers Choose SWE

Fast approvals
Flexible terms
All Credit OK
Direct in-house lending
Decades of lending expertise

Loan Highlights

Loan Amounts: Minimum loan amount $25,000
Max LTV: Up to 60% of property value
Eligible Properties: SFR, townhomes, condos, multifamily, land, commercial
Use subject property or another asset as collateral

Simple 5-Step Process

1 Quick consultation
2 Simple application
3 Quick Approval
4 Title, Appraisal (if needed), and Closing
5 Initial funds released; remaining draws paid as work progresses

Documents Needed

ID
Proof of income
Contractor corporate documents and invoices
LLC docs (if applicable)

Fees

Commitment fee after terms are accepted and prior to closing
Appraisal or survey may be required

Success Story

We’ve helped countless homeowners upgrade, rebuild, and restore their homes:

A Houston family rebuilt their home after fire damage, returning home within weeks instead of months.
An investor completed a full rehab on a rental property, increasing its market value and rental income.

A homeowner who ran out of funds mid-construction received the financing needed to complete their dream home.