Build the whole yard now and pay monthly. Monarch works with Lyon Financial so High Desert and Inland Empire homeowners can finance a landscape project without tapping home equity.
Get Your Free Estimate FirstMonarch offers financing through Lyon Financial. Lyon lists fixed rates, loan amounts up to $250,000, terms up to 20 years, no prepayment penalties, and no equity or appraisal required. All loans are subject to credit approval by a third-party lender, and not everyone will qualify.
Most people use financing for the same reason: they want the project done right in one go instead of doing half the yard this year and the other half whenever. The steps are simple. Get your estimate from us, apply with Lyon, and once the loan is approved we schedule the build.
Steps 2 through 4 follow Lyon Financial’s own description of its process. Lyon is a facilitator, not a lender or broker; the loan itself comes from a third-party lender under terms set between you and that lender.
| Feature | What Lyon lists |
|---|---|
| Rate type | Low, fixed rates |
| Loan amount | Up to $250,000 |
| Term | Up to 20 years for landscape financing |
| Home equity | No equity or appraisal required |
| Paying off early | No prepayment penalties |
| Approval | Subject to credit approval; not all applicants qualify |
Source: Lyon Financial’s Monarch partner page and landscape financing page, checked September 29, 2026. Rates and terms are set by the lender, change without notice, and depend on credit, loan amount and term. We do not quote rates. Lyon’s calculator and team will give you real numbers.
Anything we build for you can go into the loan amount on your estimate. The projects people finance most are the bigger ones:
Want a ballpark before you apply? Our cost guides list current installed prices for each service.
Financing is a loan, so it costs more over time than paying cash. For some people that trade is worth it: the yard gets done right once, you skip high-interest credit cards, and you keep savings in the bank. For others, a smaller first phase paid in cash makes more sense. We are happy to price it both ways.
You do not have to finance to work with us. Whoever you hire, check that any contractor you finance is licensed. Ours is public: CSLB C-27 License #957605.
Financing is offered through Lyon Financial. Lyon is a facilitator, not a lender. The loan comes from a third-party lender, and all loans are subject to credit approval.
No. Lyon Financial lists no equity or appraisal required for its landscape loans.
Lyon Financial lists terms up to 20 years for landscape financing. The term you get depends on the lender, your credit, and the loan amount.
Lyon Financial lists no prepayment penalties. Confirm the terms in your loan documents before you sign.
Yes. Get your free written estimate from Monarch first so you know the amount to apply for. Then apply through Monarch’s Lyon Financial link.
We will price your project, walk you through it, and send you the Lyon Financial link if you want to finance. No pressure either way.
Get Your Free Estimate FirstOr call (760) 792-7627
