Service Finance Company, LLC.
Millstream Construction • Financing Options

Flexible Financing — Promotions & Fixed-Rate Loans (up to $100,000)

Take care of your project now and spread the cost over time with our financing options through Service Finance Company, LLC. Choose deferred interest promos, same-as-cash plans, or reduced-rate loans — all designed to fit different budgets and timelines.

Start Application Questions? Call (860) 809-5802

* Subject to credit approval. Terms provided by Service Finance Company, LLC. Promotions and rates may change.

Up to $100,000

Finance larger projects with higher maximum loan amounts (plan minimums vary).

Multiple Promo Options

Deferred interest and same-as-cash options with promotional terms.

Reduced APR Loans

Fixed-rate options with longer terms for predictable monthly payments.

No Prepayment Penalties

Pay off early any time without added fees (per lender terms).

Fast Approvals

Quick, secure application process and response times.

Flexible Credit Options

Programs designed for a wide range of credit profiles.

Online & Phone Support

Get help with the application every step of the way.

Trusted Lending Partner

Service Finance is a nationally licensed and experienced lending partner.

Financing provided by Service Finance Company, LLC — a nationally licensed and experienced lending partner.

Available Financing Plans

Below are our current plan offerings. Ask our team which one fits your project best.

Deferred Interest With Scheduled Monthly Payments

Make minimum monthly payments during the promo period. Interest is deferred based on plan terms.

Plan 1006
6 Months Deferred Interest
(Minimum Monthly Payments)
  • Min Loan: $500
  • Max Loan: $100,000
Plan 1012
12 Months Deferred Interest
(Minimum Monthly Payments)
  • Min Loan: $500
  • Max Loan: $100,000

Zero Interest / No Monthly Payments — Same As Cash

No payments required during the promo period. Pay the balance by the end of the term.

Plan 2003
3 Months Zero Interest
NO Payments
  • Min Loan: $1,000
  • Max Loan: $100,000
Plan 2006
6 Months Zero Interest
NO Payments
  • Min Loan: $1,000
  • Max Loan: $100,000
Plan 2012
12 Months Zero Interest
NO Payments
  • Min Loan: $1,000
  • Max Loan: $100,000

Reduced Interest Loans — Short Term

Fixed-rate loans with monthly payments for predictable budgeting.

Plan 4202
7.99% APR • 60 Months
  • Payment Factor: 2.02%
  • Min Loan: $1,000
  • Max Loan: $100,000
Plan 4212
9.99% APR • 60 Months
  • Payment Factor: 2.12%
  • Min Loan: $1,000
  • Max Loan: $100,000
Plan 4158
9.99% APR • 90 Months
  • Payment Factor: 1.58%
  • Min Loan: $1,000
  • Max Loan: $100,000
Plan 4011
11.99% APR • 84 Months (Max)
  • Payment Factor: 1.76%
  • Min Loan: $1,000
  • Max Loan: $100,000

Reduced Interest Loans — Long Term

Lower monthly payment with extended terms — best for bigger scopes.

Plan 4132
9.99% APR • 120 Months
  • Payment Factor: 1.32%
  • Min Loan: $3,000
  • Max Loan: $100,000

How It Works

A simple 4-step process to secure affordable home improvement financing.

  1. Apply Online or By Phone: Choose your preferred method and apply in minutes.
  2. Quick Decision: Most applications are reviewed and responded to quickly.
  3. Choose a Plan: Select the term and promotional option that fits your budget.
  4. Get to Work: Once approved, we schedule and start your project.

Why Homeowners Trust Millstream

  • Experienced, local team based in CT and MA
  • No-hassle estimates and upfront pricing
  • Flexible financing with top-tier lending partners
  • High-quality craftsmanship with real warranties
Disclosures: Financing is subject to credit approval by Service Finance Company, LLC. Terms and eligibility vary. Monthly payment amounts are based on approved credit and final loan amount. Interest may accrue from the date of funding depending on program type. Terms and plan availability are subject to change.

Questions? We’re Here to Help.

Call Millstream Construction at (860) 809-5802
or use our contact form to get started.

Start Application