Call (360) 727-3142
Get A Quote
Apply for Financing

Finance your landscape project

Shovel & Thumb has partnered with LYON Financial to offer financing for patios, walls, outdoor living spaces and full landscape builds. Pay over time with a fixed-rate loan that does not require home equity.

Apply for Financing Get A Free Quote

  • Loans up to $200,000*

    Enough to cover a full backyard build, from hardscape to planting and irrigation.

  • Fixed rates, terms up to 20 years*

    A fixed rate keeps your monthly payment the same for the life of the loan.

  • No equity or appraisal

    Loans are unsecured, so your home is not used as collateral.

  • No prepayment penalty

    Pay the loan off early at any time without an added fee.

How it works

From quote to finished project

  1. Plan your project with us

    We visit your property, design the project and give you a written quote, so you know how much to apply for.

  2. Apply online with LYON

    Applications are accepted online only through our LYON partner page. LYON matches you with a program from its lending partners.

  3. Get a decision

    LYON typically issues a conditional approval within 1–2 business days, then contacts you to review the terms and next steps.

  4. We build, LYON pays in stages

    Funds go directly to Shovel & Thumb in stages as work is completed. You confirm each stage with a short electronic form before it is paid.

What you can finance

Outdoor projects we build

  • Paver patios and walkways
  • Retaining and garden walls
  • Fire pits and outdoor living spaces
  • Outdoor kitchens and pergolas
  • Sprinkler and irrigation systems
  • Planting, lawns and artificial turf

Not sure what your project will cost? Request a free estimate before you apply so you know how much to request.

Common questions

Before you apply

Who qualifies?
Financing options may be available for applicants with credit scores of 640 and above. A qualifying score does not guarantee approval, and all loans are subject to credit approval. You must be the owner of record on the deed for the property where the work will be done.
Do I need home equity or an appraisal?
No. LYON’s loan options are unsecured, so no appraisal or home equity is required.
Can I apply over the phone?
No. LYON accepts applications online only. You can call LYON at 877-754-5966 with questions about your application or loan.
Are there deferred-payment options?
LYON offers a 90-day deferred payment program on eligible loans up to $150,000 with terms up to 20 years. Interest accrues from the date of funding during the deferral period.
Are there programs for veterans and military members?
Yes. LYON offers reduced fees for veterans and active-duty military members.
Who makes the loan decision?
LYON Financial is a facilitator, not a lender or broker. Loan decisions are made by LYON’s lending partners, and Shovel & Thumb does not make credit decisions.
Apply online

Ready to get started?

Apply through our LYON Financial partner page. Questions about your project or quote? Call us at (360) 727-3142.

Apply for Financing Call (360) 727-3142

Financing disclosures

*Loan terms, including APR, may vary based on loan purpose, amount, term length, credit profile, and other factors. All loans are subject to credit approval; not all applicants will qualify. Example: an $80,000 loan with a 15-year term at 7.99% APR would result in 180 monthly payments of $764.06.

Deferred payment program: payments are deferred for 90 days after funding, and interest accrues from the date of funding. Available on eligible loans up to $150,000 with terms up to 20 years.

Military program: reduced fees for veterans and active-duty military members. Not available in NJ or CA.

LYON Financial acts as a facilitator and is not a lender or a broker. Shovel & Thumb is an independent contractor and is not an agent of LYON Financial.

Connecticut residents: LYON Financial does not arrange loans of $50,000 or less with an APR above 12%.