Family-Owned · Financing via Lyon, Viking & HFS · Free On-Site Estimates · Serving 6 Capital Region Counties · Authorized Imagine & Thursday Pools Installer · Licensed & Insured ·
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Three Lending Partners

We've partnered with three of the country's most trusted home-improvement lenders so you can compare options and find the right fit. All three offer soft credit checks (no impact to your score), personal loans with no home equity required, and 100% direct-to-consumer funding. Pick the partner that fits your project type and credit profile.

Lyon Financial — Pool Specialists Since 1979

Best for: pool projects and outdoor-living packages.

Lyon Financial has specialized in pool, spa, and outdoor-living financing for nearly 45 years. They know the construction timing of a pool project (which matters because pool draws typically come in stages — deposit, shell delivery, deck pour, final). Loan amounts up to $250K, terms up to 30 years.

Partner 01
Apply with Lyon Financial

Pool-specialist lender, terms up to 30 years, amounts up to $250K. Soft credit check.

Apply with Lyon ↗

Viking Capital

Best for: hardscape, landscape, and patio projects.

Viking Capital offers unsecured home-improvement loans with competitive rates for clients with strong credit. High approval rates, no prepayment penalties. A good fit for hardscape projects where the loan-to-project ratio is moderate.

Partner 02
Apply with Viking Capital

Unsecured home-improvement loans. No prepayment penalties. Soft credit check.

Apply with Viking ↗

HFS Financial

Best for: clients prioritizing service and customer reviews.

HFS Financial brings 1,500+ five-star reviews and one of the best customer service reputations in the home-improvement lending space. Personal loans with no equity required, 100% direct-to-consumer funding. Same-day pre-qualification.

Partner 03
Apply with HFS Financial

1,500+ five-star reviews. Same-day pre-qualification. Personal loans, no equity required.

Apply with HFS ↗
Get Started in 60 Seconds

Tell us about your project — we'll get back same day.

No high-pressure pitch. No call-center queue. Just a real conversation about your project with the family-owned team that will actually do the work.

  • Free on-site estimate, no obligation
  • Same-day response — usually within an hour during business hours
  • Owner-supervised on every job
  • Licensed & insured · 20+ years in the Capital Region
  • Financing through Lyon, Viking & HFS · soft credit check only

Frequently Asked Questions

Does Capital Land Companies offer financing?

Yes. We work with three trusted lending partners — Lyon Financial, Viking Capital, and HFS Financial — all offering soft credit checks with no impact to your score and personal loans with no home equity required.

Which financing partner is best for a pool project?

Lyon Financial. They've specialized in pool, spa, and outdoor-living financing for nearly 45 years and understand pool-project draw timing better than general home-improvement lenders.

Will applying affect my credit score?

All three of our partners use a soft credit check to pre-qualify you. Soft checks don't impact your credit score. A full credit pull only happens after you accept a loan offer.

Do I need home equity to finance a project?

No. All three of our partners offer personal loans with no equity required and no lien on your home. The loan is unsecured, funded direct to you.

How quickly can I be approved?

All three partners offer same-day pre-qualification. Final loan approval and funding typically happens within 3–7 business days after you submit a completed application.

What Capital Land Customers Say

Real Results.
Real Reviews.

★★★★★

5.0 Google Rating · See All Google Reviews →

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★★★★★

Justin and crew did an excellent job and would recommend him to other people as well as use him on other projects of ours.

JM
Homeowner
Albany, NY · Retaining Wall Installation
Google ★
"
★★★★★

Chris was prompt. His estimate was reasonable and he and his crew did an excellent job. I recommended him to the guy across the street.

CR
Homeowner
Capital Region, NY · Paving Installation
Google ★
"
★★★★★

The workers were extremely professional. Did everything promised in the time frame described. No extra fees hidden anywhere. Excellent.

RK
Ryan K.
Ballston Lake, NY · Asphalt & Hardscape
Google ★
"
★★★★★

Justin was prompt with his estimate and the work was done quickly. Driveway repair looks great!

JD
Homeowner
Clifton Park, NY · Driveway Work
Google ★
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★★★★★

They were very courteous and willing to listen to our concerns and completed the project in a relatively short period of time.

CH
Homeowner
Capital Region, NY · Tree & Yard Work
Google ★
"
★★★★★

After some initial phone tag — I found them to be responsive and committed to doing the job right. I recommend Capital Land.

WH
Homeowner
Waterford, NY · Paving Installation
Google ★
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Where Capital Land Works

Proudly Serving the Greater
Capital Region of Upstate NY

Capital Land Companies serves homeowners and businesses across six counties of Upstate New York — Albany, Saratoga, Schenectady, Rensselaer, Schoharie, and Warren. From our Capital Region base we reach Saratoga Springs to the north, Lake George and Queensbury further north, Cobleskill to the west, Averill Park and Petersburg to the east, and Ravena and Selkirk to the south. Call to confirm service in your specific town.

Find Capital Land on Google
Capital Land Companies LLC · Albany NY
★★★★★ 5.0 Google Rating · See reviews, photos, and directions
View on Google

Albany & Schenectady Counties

  • Albany
  • Guilderland
  • Slingerlands
  • Delmar
  • Colonie & Latham
  • Loudonville
  • Schenectady
  • Niskayuna
  • Glenville & Rotterdam

Saratoga & Warren Counties

  • Saratoga Springs
  • Clifton Park
  • Ballston Spa
  • Ballston Lake
  • Malta
  • Waterford & Mechanicville
  • Glens Falls
  • Queensbury
  • Lake George

Rensselaer & Schoharie Counties

  • Troy
  • Rensselaer
  • East Greenbush
  • North Greenbush
  • Averill Park
  • Petersburg
  • Cobleskill
  • Schoharie
  • Selkirk & Ravena
Check If We Serve Your Area
Ready When You Are
Ready to Build Your
Outdoor Living Space?

Get a free on-site estimate from Capital Land Companies — the Capital Region's most trusted landscape design and hardscape company. No high-pressure sales. Just a clear plan, transparent pricing, and the best outdoor space you've ever had.

(518) 944-4377
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