Flexible Financing for ADU in San Francisco
Adding an ADU in San Francisco is a six-figure decision for most homeowners, and the question we hear first isn’t usually about floor plans. It’s about how to pay for it without draining savings or taking on a loan you don’t fully understand. Call (424) 328-5746 and we’ll walk you through the options in plain language. Our job is to make the numbers work, not to make them complicated. You should know your real payment path before we ever draw a single line.
Payment Options We Offer
Financing Plans
We work with several financing partners who understand ADU construction, which means they know a project has phases and disbursements, not one lump payment. You’ll go through a soft pre-qualification process that takes about ten minutes and won’t hit your credit. Once approved, you choose a repayment term that fits your monthly budget, not one the lender prefers. We don’t push any single lender; we’ll present the plan that makes sense for your project size.
Major Credit Cards
Some homeowners prefer to put deposits or milestone payments on a card to keep points or cashback flowing. We accept all major credit cards for any payment stage, from the initial design deposit to the final walkthrough invoice. If you’ve got a card with a strong rewards program, this can be a smart way to earn value on a project you were already planning to fund. We’ll let you know which payment stages make the most sense for card use.
Cash or Check
Plenty of our San Francisco clients have planned for the project over several years and prefer to pay directly from savings or a home equity line they’ve already secured. We accept cash and check payments at every milestone, with a digital receipt issued the same day. There’s no penalty for paying early and no fee for choosing this route. You’ll always know exactly where your money is going, and we’ll never ask for payment before a phase is complete and you’ve seen the work.
Up-Front Written Pricing
Every project starts with a written price before any work begins, and that’s the number we hold. If something changes mid-project, we discuss it before the change happens and you sign off on it in writing, not after the fact. That means your financing amount is based on a real number, not a guess. Troy Eastman signs every written price himself, so there’s a person accountable for that figure, not a sales team.
Simple Application Process
Step one is a phone call to (424) 328-5746. Tell us your project scope, whether it’s a garage conversion, a backyard unit, or a full addition. We’ll give you a ballpark price range on that first call so you know what you’re actually financing, not just that financing exists.
Step two is a quick pre-qualification conversation with one of our financing partners. They’ll ask basic questions, income, home ownership, approximate credit range, and give you a sense of what terms you’d likely qualify for. No hard credit pull, no obligation.
Step three is choosing the plan that fits. Once you’ve got your written price and your financing terms side by side, we’ll help you compare the monthly payment against your project timeline. Then we start building.
Frequently Asked Questions
Yes, we offer financing through several established partners who specialize in construction lending, not just general-purpose loans. You’ll go through a soft pre-qualification process first, which means no hit to your credit score until you decide to move forward. We can typically match you with a plan that fits your monthly budget while the project is being built. Call (424) 328-5746 for details, and we’ll explain exactly how the process works for your project size.
You’ll need basic identification, proof of home ownership, and rough income information. The pre-qualification conversation is short and straightforward, usually ten to fifteen minutes. The financing partner will ask about your approximate credit range, not demand documentation upfront. Once you’ve got the initial terms in front of you, then you decide whether to proceed with a full application.
No, the estimate is free and comes with a written price before any work starts, as Troy Eastman does on every project. You’ll get a line-item breakdown, not a round number on a napkin, so you can see exactly what’s driving the cost. There’s no obligation to move forward, and the estimate holds for a reasonable period. Call (424) 328-5746 to schedule yours, and you’ll have a real number the same week.
If we’re running any seasonal promotion or specific brand incentive, like a discount on a prefab unit from Abodu, Cover, or Boxabl, you can absolutely combine that with a financing plan. The written price reflects the offer first, then your financing applies to that lower number. We won’t hide the discount in the loan terms or inflate the price to make the financing look better. You’ll see both plainly on the same page, and we’ll help you work the math.
Written by Troy Eastman, Owner at Benson ADU San Francisco, serving San Francisco since 2006.
