Finance Your Outdoor Project With Flexible Payments
Don't wait to build the backyard you've been planning. Prequalify for financing in minutes through Wisetack — no impact to your credit score — and start your project now with fixed monthly payments.
How Contractor Financing Works
Backyard Bobby's partners with Wisetack to offer simple, transparent financing for outdoor construction projects in Anne Arundel County. Here's how the process works.
Prequalify in Minutes
Enter basic info in the Wisetack form below. A soft credit check shows your loan options instantly — no impact to your credit score.
Choose Your Plan
Pick the monthly payment and term that fits your budget. See your exact rate, total cost, and payment amount before you commit.
Start Your Project
Once approved, Wisetack pays Backyard Bobby's directly. Your project starts on schedule and you make fixed monthly payments.
Prequalify Now — No Credit Impact
Check your rate in under 60 seconds. This is a soft credit check and will not affect your credit score.
All Payment Options
Financing isn't the only way to pay. Here's every option we accept.
Wisetack Financing
Prequalify in minutes with no impact to your credit score. Pay over time with fixed monthly payments — rates as low as 0% APR for qualified borrowers. Loans from $500 to $25,000.
Major Credit Cards
Visa, Mastercard, American Express, and Discover accepted on every project. No processing fees.
Check & ACH Transfer
Traditional payment methods welcomed. No fees on checks or bank transfers.
Milestone-Based Payments
For larger projects, we break payments into milestones tied to project progress. You never pay for work that isn't done. We don't ask for more than 50% upfront.
Comparing Your Payment Options
Which payment method makes the most sense depends on your project size and financial goals.
| Feature | Wisetack Financing | Credit Card | Pay in Full |
|---|---|---|---|
| Upfront cost | As low as $0 | Full amount charged | Up to 50% deposit |
| Interest rate | As low as 0% APR | 15–25% APR (typical) | None |
| Credit impact to check | None (soft pull) | Hard inquiry | N/A |
| Monthly payments | Fixed, predictable | Variable minimum | N/A |
| Prepayment penalty | None | None | N/A |
| Best for | Projects $1,000–$25,000 | Smaller projects | Any size |
| Approval time | ~60 seconds | Existing card limit | Immediate |
What Do Projects Typically Cost?
Every project is unique. These ranges give you a starting point — your free estimate will be specific to your property and goals.
Gravel Pads & Foundations
Size, material (gravel vs. concrete), and depth
$500 – $7,000+
Fencing
Linear footage, material type, and gate count
$2,500 – $10,000+
Driveway Installation
Asphalt, concrete, or pavers
$4,000 – $14,000+
Hardscaping & Patios
Square footage, material, and design complexity
$3,000 – $20,000+
Stamped Concrete
Size and pattern/color complexity
$4,000 – $12,000+
Decks
Size, wood vs. composite, and features
$9,000 – $26,000+
Roofing
Roof size, pitch, and shingle type
$8,000 – $15,000+
Excavation & Site Prep
Scope, access, and demolition needs
$1,500 – $10,000+
Accessory Dwelling Units
Size, finishes, and utility connections
$100,000 – $250,000+
Prices are general ranges based on typical projects in Anne Arundel County. Your estimate will reflect your specific scope, materials, and site conditions.
Our Pricing Promise
We give you one price. That's the price you pay. No change orders for work we should have accounted for upfront, no surprise fees at the end of a job.
- Written estimate before any work begins
- Price holds once you approve — no mid-project increases
- Change orders only for work you specifically add or change
- Payment milestones tied to actual progress on the job
- We never ask for more than 50% upfront
- Licensed MHIC #05-163777 — backed by Maryland's consumer protection fund
Not Sure What Your Project Will Cost?
Get a free on-site estimate first. We'll come to your property, assess the project, and give you a clear written price — then you can decide how to pay.
Estimates are always free. We respond within one business day.
Financing FAQs
Common questions about paying for outdoor construction projects in Anne Arundel County.
Ready to Get Started?
Prequalify for financing in under 60 seconds, or request a free estimate to find out exactly what your project will cost.
Backyard Bobby's is a licensed outdoor construction contractor (MHIC #05-163777) serving 19 communities across Anne Arundel County, Maryland. Financing provided by Wisetack, a third-party lender. Loan terms and rates subject to credit approval.