Financing
We accept payments by check, ACH, or wire.
Straightforward billing. Three draws. No financing partnerships and no third-party lenders involved in the transaction.
Three draws. Clear milestones. No surprises.
Every Deckmasters project follows the same billing structure. A deposit is due at contract execution — typically 30 percent of the total contract value. This covers material procurement and permit application fees, both of which are committed costs before construction begins. The deposit triggers the permit submission and the engineering package moving to final sign-off.
A progress draw is due at a defined construction milestone — most commonly at pile installation complete or at structural framing complete, depending on the project type. The milestone is specified in the contract before work begins, not determined unilaterally during construction. The progress draw is typically 40 percent of the total.
The final draw — the remaining 30 percent — is due at substantial completion: all structural work finished, permit inspection passed, and the project walkthrough with Keith complete. You do not owe the final draw until the work is done and you have walked it.
No third-party financing partnerships.
This is intentional. Here is why.
Deckmasters does not partner with home improvement lenders, marine finance companies, or payment-plan providers. The clients we work with have typically already budgeted the project. Adding a financing layer adds cost to the client, adds complexity to the transaction, and introduces a third party whose interests are not aligned with getting your dock built correctly.
If your project requires financing, we recommend working with your existing financial institution — the one that already knows your portfolio and your property. A home equity line of credit against an Indian River County waterfront property is a straightforward application at most regional banks. We are happy to provide project documentation, engineer drawings, and permit applications to support that conversation.
Payment methods: personal check, business check, ACH bank transfer, or domestic wire transfer. Payment is due within 10 days of each milestone invoice. Invoices are delivered by email with PDF backup.
Florida Registered General Contractor — Indian River County, Lic. RG291103858 · USL&H + Jones Act Marine · Serving the community since 2005
Start with a conversation — then we can scope the contract.
The contract amount and draw schedule come out of a real site assessment, not an estimate from a phone call.