I give them a five star rating not only for their excellent roofing skills and timelines, but also for their competitive pricing and the honesty and professionalism of the team !! We are very pleased with the outcome
Zachary Gugliotta
10 service categories · 100 service pages · Miami-Dade, Broward & Palm Beach
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Flexible financing
The project you actually want,
on a monthly budget
A renovation shouldn’t have to wait for the perfect moment. Elbaz Construction works with multiple financing partners so homeowners across Miami-Dade, Broward and Palm Beach can explore financing before committing to a final construction scope.
- Four financing partners
- Explore options before you finalise scope
- Licensed, bonded & insured · CBC1265280
- Miami-Dade, Broward & Palm Beach
What financing changes
- Four financing partners, not one. Synchrony, Service Finance, Ygrene and Renew Financial. Two are consumer credit and two are property-assessed, so more than one kind of answer is possible.
- Explore before the scope is locked. You can look at financing before the construction scope is final, and let the budget shape the design rather than cut it back halfway through.
- $0 down and 100% financing, where a PACE programme applies. Ygrene and Renew Financial both publish 100% financing with no money down for qualifying improvements — subject to approval and property eligibility.
- Flexible repayment structures. Revolving credit, fixed installments, or repayment through your property tax bill. They are genuinely different products.
- Licensed, bonded and insured. Elbaz Construction builds under Florida licence CBC1265280 across Miami-Dade, Broward and Palm Beach.
Elbaz Construction is not a lender and does not approve, decline or fund applications. Every rate, term and approval decision comes from the financing partner.
0Financing partners
0South Florida counties served
0 yrsLongest published PACE term (Ygrene, residential)
$0Down on qualifying PACE-financed work
How financing works
Apply, review, build.
Three steps, and the first one costs nothing and commits you to nothing. You are finding out what is available — not signing up to a scope.
01
Apply
Applications go to the financing partner, not to us. Ygrene publishes a 10-minute application with a decision in 30 minutes or less, and Renew Financial says approvals frequently come in 10 minutes or less; both PACE programmes use a soft credit pull. Synchrony and Service Finance run standard consumer credit applications.
02
Review
We go through what an approval actually means for the build — what the programme will and will not cover, how repayment is structured, and where the scope should sit. This is the step where the budget shapes the design, instead of the design running into the budget later.
03
Build
Construction starts once scope, permits and financing all line up. Ygrene publishes no costs until the work is done; Service Finance opens billing after installation completes, with the first payment due 30 days later; Renew Financial does not release contractor payment until you sign a completion certificate.
Financing partners
Four partners, four different structures.
Two are consumer credit — a card and an installment loan. Two are PACE programmes, which are not loans at all and work through your property tax bill. Knowing which is which is most of the decision.
Kitchen remodel by Elbaz Construction — the kind of interior finish scope the Project Card is commonly used for.
Partner 01
Synchrony Project Card
Synchrony Bank issues the Synchrony Project Card, a revolving home-improvement credit card accepted at contractor locations nationwide. Because it is a card rather than a one-off loan, it stays open after the first project — useful if a kitchen now is likely to be followed by a bathroom or a flooring run later.
6–132Published special-financing term range, in months
0%Fraud liability
1Card, reusable across projects
- Synchrony publishes special financing from 6 to 132 months on qualifying purchases, subject to credit approval.
- Revolving, not single-use. Synchrony describes it as "one card and done" — usable again for later home improvements or repairs.
- Minimum monthly payments are required and the offers available at the time of purchase can vary by location.
- Accepted at thousands of contractor locations nationwide, with a straightforward application and fast credit decisions.
- 0% fraud liability on the card, and account management through the MySynchrony app.
| Product | Synchrony Project Card |
|---|---|
| Issuer | Synchrony Bank |
| Structure | Revolving consumer credit card |
| Special financing terms | 6 to 132 months on qualifying purchases |
| Repayment | Minimum monthly payments required |
| Secured against | Nothing — unsecured consumer credit |
| Application | Consumer credit application, subject to credit approval |
Typical Elbaz projects
Best suited to interior finish work where the scope may grow: kitchen remodeling, bathroom remodeling, cabinetry, countertops and flooring. The card staying open afterwards is the point.
Opens synchrony.com in a new tab. Elbaz Construction is not a lender; all terms and approvals are the lender’s.
Impact window replacement by Elbaz Construction — a fixed scope, which is what installment financing is built around.
Partner 02
Service Finance Company
Service Finance Company, LLC is a nationally licensed sales finance company and a subsidiary of Truist Bank. It lends through contractors on fixed installment terms, which makes it a natural fit for a defined, single-trade scope where the number does not move once it is set.
50+Published financing solutions
30Days after completion until the first payment
0Pre-payment penalty
- Service Finance publishes more than fifty financing solutions across promotional and standard installment terms.
- The programme families it names are No Interest, Deferred Interest and Long Term Installment. Which one is offered is set at the dealer level.
- Nothing is billed until the work is finished. The account is created after installation completes; the first payment is due 30 days later and the first statement arrives around 18 days after completion.
- No pre-payment penalty, in the company's own words.
- An approved FHA Title I lender, operating under NMLS 140908 as an Equal Housing Lender.
| No Interest | A promotional period during which no interest is charged |
|---|---|
| Deferred Interest | Interest is deferred through a promotional period; the promotional terms appear on the retail installment contract or its addendum |
| Long Term Installment | Longer fixed terms aimed at a lower monthly payment |
| First payment | Due 30 days after installation is complete |
| Statements | Mailed roughly 15 days before each payment is due |
| Payment methods | Check, ACH, money order or cashier's check — credit and debit cards are not accepted |
Typical Elbaz projects
Best suited to a defined single-trade install: roof replacement, impact windows and doors, HVAC, plumbing and flooring — the categories Service Finance itself names.
Opens svcfin.com in a new tab. Elbaz Construction is not a lender; all terms and approvals are the lender’s.
Roof replacement by Elbaz Construction — roofing is one of the improvement categories Ygrene names for Florida.
Partner 03
Ygrene — Florida PACE
Ygrene administers PACE (Property Assessed Clean Energy) financing in Florida. PACE is structurally different from every other option on this page: Ygrene is explicit that it is not a loan. It is an assessment attached to the property, repaid through the property tax bill, and it changes what happens when you sell or refinance. Read the PACE notice below before you treat it as interchangeable with a card or an installment loan.
20Year maximum published residential term
10Minute application, decision in 30 minutes or less
0Minimum credit score required
- Approval is based on home equity and ability to repay, not your credit score. Ygrene states no minimum credit score is required.
- The credit check is a soft pull, used to verify bankruptcy and mortgage history, and does not affect your credit score.
- The application takes about 10 minutes, with a decision in 30 minutes or less.
- Residential terms run up to 20 years (commercial up to 30), with 100% financing and no money down.
- Repayment is through your property tax bill, and the assessment takes a first-priority lien ahead of other liens including your mortgage.
| Equity | A minimum of 10% equity in the property |
|---|---|
| Property taxes | Paid current for at least the past 3 years |
| Mortgage | Payments must be current; no reverse mortgage |
| Title | All owners on the property title must be on the application |
| Liens | No involuntary liens on the property |
| Bankruptcy | None in the past 5 years, unless discharged; 2 years if dismissed |
| Affordability | Estimated annual PACE payment cannot exceed 10% of annual household income |
| Property type | Mobile homes are not eligible |
Typical Elbaz projects
Aimed at storm and energy work rather than finishes. In Florida, Ygrene names roofing, windows and doors, HVAC, wind-resistance and storm protection, insulation, sewer and septic, solar, water heating and high-efficiency pool equipment.
Opens ygrene.com in a new tab. Elbaz Construction is not a lender; all terms and approvals are the lender’s.
Impact glazing replacement by Elbaz Construction — hurricane protection is a RenewPACE eligible category.
Partner 04
Renew Financial — RenewPACE
Renew Financial administers RenewPACE, the second PACE programme available to Elbaz Construction customers — and it is live across all three counties we build in. Like Ygrene it is repaid through property taxes and secured by a lien on the property, so the same PACE notice below applies. Renew Financial is a private company, not a government agency.
$250KPublished maximum, and up to 20% of property value
10Minutes — frequent approval time
0Application fee
- 100% financing with no upfront costs, and no fee to apply.
- Renew Financial publishes a ceiling of as much as 20% of property value, up to $250,000.
- Applications are frequently approved in 10 minutes or less.
- Fixed rates and long repayment terms, with no pre-payment penalty — a processing fee may apply.
- Published consumer protections include a live verification call with a Renew Financial representative, comprehensive written disclosures, and a rule that the contractor is not paid until you sign a completion certificate.
| Miami-Dade | Miami, Miami Beach, Coral Gables, Aventura, Doral, Hialeah, Homestead, Key Biscayne, North Miami, Palmetto Bay, Pinecrest, South Miami, Surfside, Cutler Bay and unincorporated county, among others |
|---|---|
| Broward | Fort Lauderdale, Hollywood, Pembroke Pines, Miramar, Coral Springs, Davie, Plantation, Sunrise, Weston, Pompano Beach, Cooper City, Parkland, Wilton Manors and unincorporated county, among others |
| Palm Beach | Boca Raton, Delray Beach, Boynton Beach, Jupiter, Lake Worth, Greenacres, Lantana, Juno Beach, Highland Beach and more |
| Eligible work | Solar, windows and doors, heating and cooling, roofing and roof replacement, hurricane protection, landscaping and turf |
Typical Elbaz projects
Aimed at resilience and building-envelope work: impact windows and doors, roof replacement, HVAC and hurricane protection — often the same scope as a storm damage restoration project.
Opens renewfinancial.com in a new tab. Elbaz Construction is not a lender; all terms and approvals are the lender’s.
Read this before choosing a PACE programme
Ygrene and Renew Financial are PACE — Property Assessed Clean Energy. PACE is fundamentally different from a credit card or an installment loan, and Ygrene states plainly that PACE is not a loan. We would rather you understand it here than discover it at closing.
- It attaches to the property, not to you. The financing is an assessment on the property and is secured by a lien against it.
- You repay it through your property tax bill, not through a monthly loan statement. If you escrow your taxes, your mortgage servicer collects it.
- The lien takes priority. Ygrene publishes that the PACE assessment takes a first-priority lien ahead of other liens, including your mortgage.
- It affects selling and refinancing. Ygrene states PACE must be paid off when you sell and disclosed to buyers; Renew Financial states PACE is often required to be repaid on refinance or sale.
- Approval works differently. It is based on home equity and ability to repay rather than a credit score — which helps some homeowners and is not automatically better for others.
- Only certain work qualifies. PACE covers energy, water and storm-resilience categories. A kitchen remodel is generally not one of them.
Federal and Florida rules covering residential PACE have changed in recent years. Both administrators publish their own disclosures, and you should read them before signing. If PACE is not right for your project, say so — two of our four partners are ordinary consumer credit.
Side by side
How the four actually differ.
Only verified characteristics are compared here — structure, repayment and eligibility. No rates, no payments and no approval figures, because none of those are published for a specific homeowner in advance.
| Synchrony | Service Finance | Ygrene | Renew Financial | |
|---|---|---|---|---|
| Financing type | Revolving | Installment | PACE | PACE |
| What it actually is | A consumer credit card for home improvement, issued by Synchrony Bank | A fixed installment loan through a contractor, from a subsidiary of Truist Bank | A property assessment. Ygrene states plainly that PACE is not a loan | A property assessment under the RenewPACE programme |
| Consumer or property based | Consumer credit | Consumer credit | Property based | Property based |
| How you repay it | Minimum monthly payments to the card account | Fixed monthly installments, billed by Service Finance | Through your property tax bill | Through your property tax bill |
| Published term style | Special financing from 6 to 132 months on qualifying purchases | Promotional and standard installment terms; 50+ published programmes | Up to 20 years for residential property | Long fixed terms with fixed rates |
| What approval looks at | A standard consumer credit application | A standard consumer credit application | Home equity and ability to repay — no minimum credit score, soft pull only | Property eligibility, equity and the programme's underwriting criteria |
| Is anything secured against your home | No | No | Yes — a first-priority lien, ahead of your mortgage | Yes — a lien on the property |
| Typical qualifying work | Interior finishes: kitchens, bathrooms, cabinetry, countertops, flooring | Roofing, windows and doors, HVAC, siding, flooring, plumbing, insulation | Roofing, impact windows and doors, HVAC, storm protection, solar, insulation, sewer and septic | Solar, windows and doors, HVAC, roofing, hurricane protection, landscaping |
| Where it fits an Elbaz project | A finish-led remodel you may want to build on later | A defined single-trade install with a fixed price | Storm and energy work, when property-based repayment suits you better than credit | Resilience and envelope work across Miami-Dade, Broward and Palm Beach |
Scroll the table sideways to see all four partners.
Typical project scales
What projects of this size usually look like.
A rough map of South Florida construction scopes, so you can see roughly where your project sits before the first conversation.
Smaller project
$10K–$25K
A single bathroom, a powder room, a flooring run, a roof repair, or a window and door replacement on part of a home.
Mid-size project
$25K–$75K
A full kitchen remodel, a primary bathroom suite, a whole-house impact window package, or a complete roof replacement.
Major remodel
$75K–$150K
Multiple rooms at once, an open-plan reconfiguration, a garage conversion or ADU, or a substantial exterior and outdoor living build.
Large project
$150K+
Whole-home renovation, a room or second-story addition, or ground-up new construction.
These are construction-project cost examples only. They are not lender approval limits, not quotes, and not an indication of what any financing partner will approve. Real project cost depends on scope, material tier, structural and layout changes, and permitting. Approval amounts are set by the lender, not by project size.
What you can finance
The work, not just the money.
Which partner fits depends heavily on what you are building. Storm and energy work opens up PACE; interior finish work generally does not.
Customer reviews
What clients said on Google.
4.8Google rating
Real reviews from Elbaz Construction customers. Several mention price and value directly — which is usually the reason people land on a financing page in the first place.
Really glad we went with Elbaz Construction for our ADU . They were in and out faster than we expected which I appreciated , and the price seemed reasonable. Overall great experience!!
Kirtsada Shearing
If you are planning to remodel your kitchen or bathroom or do any other construction project, call Sean from Elbaz Construction . He has a lot of experience and will recommend the best options/ suggestions to your project. He did high quality job !
Kameron Allison
Great experience! The team was professional, efficient, and delivered high-quality work on time. They communicated clearly throughout the project and exceeded our expectations. Highly recommend for any construction needs!
Andrew
Asher was knowledgeable and gave us cool ideas that we didn't even know before. Nice beautiful color and design. We appreciate the price !
Sierra Bernabeo
Asher has a lot of experience . We replaced our windows to energy efficient windows. He got down to business right away and did high quality work. His team is very professional! Thanks again
jessica berliner
Elbaz Construction provided excellent service and outstanding craftsmanship. The team was professional and attentive to our needs. We’re extremely satisfied with the results!
Damian Nunez
Asher was the best choice I have made. We love the outcome of the ADU . They showed up on time and did a great job, were friendly. No issues at all during the whole process. Very organized team . I would recommend them to everyone I know !
Robert Bryan
Highly recommended for any bathroom or kitchen projects! Raz is very knowledgeable at this field and gave us wonderful ideas for the design. It was done in a timely manner. Thank you !!
Valerie Cisneros
Straight answers
The four questions we get most.
Does Elbaz Construction offer financing?
Yes — through four partners: Synchrony, Service Finance, Ygrene and Renew Financial. Elbaz Construction is not a lender.
Can I apply before my final estimate?
Yes. Exploring financing before the scope is finalised is the point. The enquiry form on this page is not a credit application.
Can financing cover 100% of the project?
Both PACE programmes publish 100% financing with no money down for qualifying improvements, subject to approval and property eligibility.
What is the difference between PACE and a loan?
PACE is not a loan. It is an assessment on your property, repaid through your property tax bill and secured by a lien on the home.
Financing FAQ
Financing questions, answered.
Still unsure about something? Call (754) 236-0675 and you will get a real answer, not a callback form.
Yes. Elbaz Construction works with four financing partners — Synchrony, Service Finance, Ygrene and Renew Financial — so homeowners in Miami-Dade, Broward and Palm Beach can explore financing options before committing to a final construction scope. Elbaz Construction is not a lender and does not approve, decline or fund applications; every approval, rate and term comes from the lender.
Four: Synchrony (the Synchrony Project Card, a revolving home-improvement credit card issued by Synchrony Bank), Service Finance Company (fixed installment loans, a subsidiary of Truist Bank, NMLS 140908), Ygrene (Florida PACE) and Renew Financial (RenewPACE, NMLS 1788120). Two are consumer credit and two are property-assessed programmes, which work very differently from one another.
Yes. Exploring your financing options before the scope is finalised is the whole point of doing it early — it lets the budget shape the design instead of forcing a redesign halfway through. Note that a lender application is a separate step from contacting Elbaz Construction: submitting the enquiry form on this page is not a credit application.
Yes. A kitchen remodel is finish-led interior work, which is the category the Synchrony Project Card is generally aimed at. PACE programmes are aimed at energy and storm-protection improvements rather than kitchen finishes, so a kitchen is usually a consumer-credit conversation rather than a PACE one.
Yes. Bathroom renovations fall under interior finish work and are commonly financed through consumer credit rather than PACE. Where a bathroom project includes plumbing replacement, Service Finance lists plumbing among the categories it finances.
Yes, and impact windows are one of the few categories all four partners can potentially cover. Impact windows and doors appear in Service Finance's published category list, in Ygrene's Florida wind-resistance and windows-and-doors categories, and in Renew Financial's eligible-project list.
Yes. Roof replacement is named by Service Finance, by Ygrene (under building envelope and roofing) and by Renew Financial (roofing and roof replacement). Because a roof is a defined, fixed scope, it is one of the most commonly financed projects in South Florida.
PACE stands for Property Assessed Clean Energy. It is not a loan — it is an assessment attached to your property, repaid through your property tax bill, and secured by a lien on the property. Approval is based on home equity and ability to repay rather than a credit score. Because the lien attaches to the property rather than to you personally, PACE affects what happens when you sell or refinance, and it should be considered separately from ordinary consumer financing.
Ygrene is a PACE administrator in Florida. You apply online in about 10 minutes and usually get a decision within 30 minutes; approval is based on home equity and ability to repay rather than a credit score, and the credit check is a soft pull that does not affect your score. Residential terms run up to 20 years, financing is 100% with no money down, and repayment is made through your property tax bill. The assessment takes a first-priority lien ahead of other liens including your mortgage.
RenewPACE is Renew Financial's residential PACE programme, and it is active across Miami-Dade, Broward and Palm Beach counties. Renew Financial publishes 100% financing with no upfront costs, a ceiling of as much as 20% of property value up to $250,000, fixed rates, long repayment terms, and no fee to apply. Like all PACE, it is repaid through property taxes and secured by a lien on the property. Renew Financial is a private company, not a government agency.
The Synchrony Project Card is a revolving home-improvement credit card issued by Synchrony Bank and accepted at thousands of contractor locations nationwide. Synchrony publishes special financing from 6 to 132 months on qualifying purchases, subject to credit approval, with minimum monthly payments required. Because it is a card rather than a single-use loan, it remains available for later projects.
Service Finance Company, LLC is a nationally licensed sales finance company and a subsidiary of Truist Bank, operating under NMLS 140908. It offers more than fifty financing solutions across promotional and standard installment terms, in programme families it names as No Interest, Deferred Interest and Long Term Installment. Billing begins after installation is complete, with the first payment due 30 days later, and there is no pre-payment penalty.
Both PACE administrators publish 100% financing with no money down for qualifying work — Ygrene describes "100% no money down financing" and Renew Financial "100% financing for home improvement projects with no upfront costs". That is subject to approval, property eligibility and programme limits, and PACE only covers the improvement categories each programme lists. Consumer credit approvals depend on the credit line the lender extends.
Not for the programmes that publish an answer. Ygrene states there are no costs until the work is done and Service Finance creates the billing account after installation is complete, with the first payment due 30 days later. Renew Financial does not pay the contractor at all until the homeowner signs a completion certificate.
Elbaz Construction serves Miami-Dade, Broward and Palm Beach counties. Programme availability differs by lender and, for PACE, by municipality: RenewPACE is live across all three counties, including Miami, Miami Beach, Coral Gables, Fort Lauderdale, Hollywood, Pembroke Pines, Boca Raton and Delray Beach. Ygrene publishes its own Florida service areas.
Thanks — that came through.
Your details are with the Elbaz Construction team and we will come back to you, usually the same or next working day. If it is urgent, call (754) 236-0675.
Next step
Find out what is possible before you cut the scope.
Tell us what you are trying to build. We will tell you which of the four partners realistically fits it, what each would mean for repayment, and what the project itself is likely to involve.
Important financing information
Financing is subject to lender approval, program eligibility, property eligibility where applicable, and current lender terms. Elbaz Construction is not a lender. Financing programs, terms, rates and availability may change.
Elbaz Construction Corp is a licensed Florida general contractor (licence CBC1265280). We introduce homeowners to third-party financing partners; we do not originate, underwrite, approve, decline, service or fund financing, and we do not set rates or terms. Nothing on this page is an offer of credit, a commitment to lend, a quote, or a guarantee of approval.
Every partner detail on this page was taken from that company’s own public website in August 2026 and is reproduced in summary. Programme names, terms, eligibility rules, service areas and availability are set by each partner and can change at any time without notice to us. Always read the financing partner’s own current documents and disclosures before signing anything. Where a figure could not be verified from a current official source, it has been left off this page rather than estimated.
PACE-specific notice. Ygrene and Renew Financial administer Property Assessed Clean Energy (PACE) financing. PACE is not a conventional consumer loan. It is a property assessment secured by a lien on the property and repaid through the property tax bill, it can take priority over existing liens including a mortgage, it must generally be disclosed to and resolved with a buyer or refinancing lender, and it is available only for the improvement categories and municipalities each programme covers. Neither PACE administrator is a government agency. Consider independent legal or financial advice before entering into a PACE assessment.
Project cost ranges shown on this page are illustrative examples of South Florida construction scopes. They are not lender approval limits, not estimates and not quotes for any specific project.
Questions? Call (754) 236-0675 or use the financing enquiry form.
