Stage Now, Pay at Closing

Merriment by Design Offers Staging for

ZERO Up-Front Cost

Choosing Merriment by Design’s pay-at-close payment option isn’t just practical—it’s powerful. It allows sellers to showcase their home at its absolute best, without the upfront strain of added expenses. In a market where first impressions matter, beautifully staged homes resonate emotionally, helping buyers connect within seconds—often resulting in faster sales and stronger offers.

How it Works

  • Stage Now, Pay Later: No upfront payment required—your home gets styled for market today, and you pay once it sells.

  • Flexible Funding: Access up to $50,000 in credit for staging, paint, carpet, or any updates needed to get your property market-ready.

  • Soft Credit Check: Your credit remains untouched until repayment begins, keeping the process smooth and stress-free.

The Process

  1. Fast Online Application:

    Check your offer in minutes. The entire application takes less than 5 minutes with no impact to credit score when applying and no liens placed on the property.

2. Quick Fund Access:

  • Get Your Home Market-Ready

  • Access to funds is instant upon approval

  • Managing your account is easy at anytime through a secure online portal.

3. Easy Repayment:

  • $0 due until the home closes or within 12 months if unsold.

  • Simple instructions for repaying are provided before closing.

Qualifications

  • U.S. Residency: Must reside in the United States and be the homeowner or authorized representative.

  • Listing Agreement: A signed agreement with a licensed Realtor is required.

  • Home Value: Property must be priced at $6 million or less.

  • Approval Criteria: Based on available equity and a minimum FICO score of 680.

Frequently Asked Questions

  • Notable is here to help homeowners prep their homes before listing so they can sell their home faster and for a higher price.¹ Whether it's fresh paint, repairs, or upgrades, Notable has got them covered.² Plus, with Notable, applicants don't have to worry about payments until closing!³

  • To be eligible, applicants need to have a residential home to sell. Applicants need to be U.S. residents and either own the property or have the authority to represent the owners.

    Please note that Notable does not lend in Nevada or Mississippi at this time.

    As part of the process, applicants will undergo a soft credit check and must meet some basic underwriting criteria, such as having a minimum FICO score of 680, enough equity in their home, and a good credit history. We also check that there are no recent unresolved bankruptcies.⁴

  • Interest rates range from 8.99% - 16.99% (annualized interest rate) which is significantly lower than most credit card rates.

    • That’s only ~1% per month (on avg)

    • Majority of homes sell within 3 months

    • Zero costs if funds aren’t used

  • Every application undergoes a thorough review process, considering individual factors, credit approval, and underwriting.

    Applicants may qualify for loans of up to $50,000, providing flexibility to meet various needs. However, actual loan amounts may vary based on the applicant's creditworthiness and/or the list price of the property.

  • From staging and painting to flooring and minor repairs, every property has pre-listing needs. Notable covers all these improvements and more, ensuring a property is not only market-ready but also enhanced for optimal appeal.

    The possibilities are endless — sellers can even use funds for a temporary stay if they need to relocate during renovation

    An extended list of covered improvements can be found by clicking here.

* Results may vary. Merriment by Design, LLC and Notable Finance, LLC do not guarantee or warranty any results.
+ Interest and fees apply. Loan funds, interest and fees are due upon loan acceleration, twelve months after origination, client’s termination of the listing agreement, or the date on which Notable otherwise suspends the loan for any reasons stated in the loan agreement, whichever occurs sooner. Subject to the terms and conditions of the loan agreement with Notable Finance, LLC.