Since 1992 · Charlottesville, VA
Home-improvement financing,
made personal.
We're a small Charlottesville team that's helped homeowners finance home-improvement projects since 1992. If you've been turned down before, we'll take the time to understand your situation, then connect you with licensed, insured contractors from our vetted network to get the work done.
- 30+ years in home-improvement finance
- A real person reviews every request
- Vetted, licensed & insured contractors
- BBB Accredited Business
How it works
Three steps from “maybe” to done.
One call gets your project financed and matched with a contractor who can build it.
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1
Tell us about your project
Roof, kitchen, siding, HVAC: share what you want to build and your situation. No obligation.
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2
We take a real look
No automated rejections. We review your project and your situation personally, and we help homeowners other lenders have passed on.
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3
Get matched & built
We connect you with a licensed, insured contractor from our vetted network and your project gets underway.
Why F&S
A local team that helps your project happen.
Since 1992 we've done one thing: help neighbors turn stalled home projects into finished ones.
30+ years, one focus
Home-improvement financing since 1992. It's all we do, and we're good at it.
A fair shot at yes
Turned down before? It's worth a conversation: we look at more than a credit score.
A vetted contractor network
Every contractor we match you with is licensed, insured, and screened by us.
Local to Charlottesville
Based on Richmond Rd in Charlottesville, serving homeowners across Virginia.
For contractors
Join our network. Get financed customers.
If you're a licensed, insured contractor, partner with F&S and receive homeowners whose projects are already financed and ready to start, no chasing payment, no dead leads.
- Ready-to-build, pre-financed homeowners
- You stay focused on the work; we handle the money
- Simple partnership: call or email to get vetted
Our team
Real people, right here in Charlottesville.
When you call F&S, you reach the same small team that reviews your file and stays with you through the project. No call centers and no runaround, just neighbors who've done this since 1992.
- A real person reviews every application
- Local, family-run, and here for the long haul
- Straight answers and a plan you can build on
Contact
Let's get your project approved.
Call or email. A real person will talk through your project and options.
Charlottesville, VA 22911