Design2Sell — Pay at Close
Stage Now. Pay When You Sell.
Prep your home for sale with $0 out of pocket. Unlock funds in under 60 seconds through our financing partner, and repay automatically when your home sells.
How It Works
Unlock Funds
Apply with our financing partner in less than 60 seconds. No upfront cost, no obligation. Check your rate instantly.
Pay for Staging
Use your approved funds to pay Design2Sell for professional staging. Your home gets the full Staged to Sell System with zero out of pocket.
Repay at Closing
When your home sells, an invoice is sent to your closing attorney or escrow officer. Repayment comes from sale proceeds automatically.
For Homeowners & Agents
Whether you are selling your own home or staging a listing for a client, pay-at-close works for you.
Homeowners
Prep your home for sale with $0 out of pocket. Complete high-value listing prep without coming out of pocket. Repay automatically when your home sells.
- ✓ Unlock funds in under 60 seconds
- ✓ Pay for staging, photography, and marketing
- ✓ Repay at escrow or within 6 months
Listing Agents
Pay for listing prep out of your commission. Fund staging, photography, and marketing now — repay when the deal closes or roll to your next commission.
- ✓ Unlock funds in under 60 seconds
- ✓ Pay any listing prep bills through the platform
- ✓ Repay at escrow or roll to next commission
Frequently Asked Questions
What is pay-at-close staging?
Pay-at-close lets you fund professional home staging with zero upfront cost through our financing partner. You apply in under 60 seconds, use the funds to pay for staging, and repay automatically from closing proceeds when your home sells.
What are the qualification criteria?
To qualify, homeowners need a credit score of 670 or higher, verified property ownership, at least $50,000 in available home equity, and a signed listing agreement. Our financing partner performs a soft credit pull with no impact on your credit score.
What does pay-at-close cost?
Our financing partner charges a flat fee based on your credit score, paid at closing: 0% for scores 800 and above, 4% for 740–799, and 6.5% for 670–739. You can check your rate here with no obligation.
What happens if my home does not sell?
When homeowners choose pay-at-close, they open a 6-month loan with an option to extend for another 6 months at an 18% annual interest rate. If the home does not sell, the loan must be repaid within the loan term.
Can my agent use pay-at-close to cover staging costs?
All pay-at-close loans are made directly to homeowners. Our financing partner does not currently offer a product that allows agents to defer costs to close. However, agents can view a dashboard showing all clients who have applied and been approved.
Does pay-at-close work for investors?
Yes, but additional documentation is required for approval including proof of beneficial ownership and mortgage documentation.
Does applying affect my credit score?
Our financing partner performs a soft credit pull, so there is no impact on your credit score initially. However, if a client defaults or fails to repay the loan, the delinquency may be reported to credit bureaus.
How does loan repayment work at closing?
When the home is marked as contingent or pending, both the agent and client receive a notification to provide the closing attorney's information. The loan payoff is sent directly to the closing attorney, and the charge appears on the closing statement.
Over $2M deferred to close
See Your Rate in 60 Seconds
No obligation. No credit impact. Find out how much you can unlock for staging and listing prep.