pay at closing

Stage now, pay at closing

Up to $50K to get your home market-ready, with nothing due until closing.

Qualify in minutes with no impact to your credit.


pay at closing - FAQ

  • DO YOU OFFER PAY AT CLOSE OPTIONS?

    Yes!

  • Can I stage my home now and pay later?

    Yes! Next Home Staging now offers a “Pay at Closing” financing option through our trusted partner, Notable®. This allows you to stage your home and defer payment until closing—with no cash out of pocket. This program is a game-changer for motivated Sellers who want to move quickly and present their home in its best light—without financial delays.

  • How does the Pay at Closing program work?

    Notable® provides an unsecured personal line of credit (up to $50,000) to cover pre-listing costs like staging, painting, repairs, and more. You apply online in minutes with no impact to your credit score. Once approved, Notable pays Big Style Staging directly so we can prepare your home for sale without delay. You then repay the amount from your closing proceeds.

  • What can the funds be used for?
    • Funds can cover most pre-sale improvements, including:
    • Home staging
    • Painting
    • Landscaping
    • Flooring
    • Cleaning services
    • Photography
    • Minor repairs
    • Inspections
    • Moving and storage

    The possibilities are endless — Sellers can even use funds for a temporary stay if they need to relocate during renovations!

  • What are the fees?

    The interest rate ranges from 8.99%–16.99% APR, or approximately 1% per month.

    • No upfront fees
    • No cost if funds aren’t used
    • Most homes sell within 90 days, keeping interest minimal
  • What are the qualifications?
    • 680+ FICO score (may vary by state)
    • Sufficient equity in the home
    • Property must be listed for under $8 million
    • Listing agreement must be in place with a licensed real estate agent
    • You must be the homeowner or authorized to act on behalf of the owner (LLC, Trust, POA, etc.)
    • Additional eligibility criteria applies
  • Is this a lien or loan on my home?

    No. This is an unsecured line of credit—no lien, no title involvement.

  • How do I apply?

    We’ll send you a custom Notable® link to check your offer. The application is quick, private, and has no impact on your credit. Once you’re approved and the funds are released, we’ll get started staging right away.

The Fine Print

*Results may vary. Notable Finance, LLC does not guarantee or warranty any results. Subject to the terms and conditions of your loan agreement with Notable Finance, LLC. Loans are provided by Notable Finance, LLC, NMLS# 1824748 and are made or arranged pursuant to a California Finance Lenders Law license. Loan eligibility is not guaranteed and all loans are subject to credit approval and underwriting by Notable. Rules and exclusions apply. Subject to terms and conditions (notablefi.com/terms).

**Interest and fees apply. Loan funds, interest, and fees are due upon loan acceleration, twelve months after origination, termination of your listing agreement, or the date on which Notable otherwise suspends your loan for any reasons stated in your loan agreement, whichever occurs sooner.