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DuckWater FinTech

Understand every financial product. Share your data only when you choose.

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© 2026 Agency Age Holdings, LLC. All rights reserved. DuckWater FinTech, DuckWater Financial and DuckWater Technologies are its trade names.

Need a hand?Ask Duck
Homeowner Journey

Your project.
Your financing.
One clear path.

Simple steps. Secure process. Financing that helps you build with confidence.

Secure. Private. Protected.

Your information is handled securely throughout the financing process.

A completed modern home project at dusk
Your journey is safe with us.
  • Secure information handling
  • No credit check to get started
  • No obligation to proceed

How would you like to get started?

Four routes in. Every one arrives at the same station.

Enter code / QR link
  1. Enter your code or scan the QR link
Find a contractor
  1. Choose a participating contractor
  2. Share project & contact info
  3. Contractor contacts you
  4. Invite code or QR link sent
Invite contractor
  1. Provide contractor information
  2. Contractor signs up
  3. Licence & insurance certificate on file
  4. Invite code or QR link sent
Start prequalification
  1. Provide basic information
  2. Complete prequalification
  3. Shared with participating contractors
  4. Contractors may contact you
  5. Invite code or QR link sent
Invitation Ready

You'll receive an Invite Code or QR Link to continue.

1

Start your application

Enter your Invite Code or scan the QR link from your contractor to begin.

2

Tell us about your project

Provide basic information about yourself, your property, and the project you're planning.

3

Check your financing eligibility

Choose a financing partner and authorize the credit inquiry their program requires.

You see the authorization before anything is checkedNo obligation to proceed

DuckWater does not pull credit. The financing partner you choose will explain the credit inquiry its program requires and ask for your authorization before it happens.

4

Access your DuckWater portal

Track your application, upload documents, and see your current status in one secure place.

Application statusExample
  1. Received
  2. Under Review
  3. Conditionally Approved
  4. Documents Needed
  5. Approved

Next step: Upload documents

5

Review your financing options

If conditionally approved, you'll see financing options that may be available to you.

Est. paymentSet by partner
TermProgram-specific
Rate (APR)Disclosed by partner
AmountBased on approval

DuckWater does not set or preview partner terms.

View options in portal
6

Provide any documents needed

Securely upload any additional documents or information requested to complete your application.

IncomeIdentityPropertyProject details

Examples — only what's requested for your application.

7

Obtain financing approval

Your application is reviewed by the financing partner and, if approved, your final financing is confirmed.

Approved
8

Your contractor is notified

Once the financing requirements are satisfied, your contractor receives the appropriate status so the project can move forward.

9

Your project begins

Financing handled. Time to build.

10

Funds are disbursed

Funds are disbursed according to your financing program and project requirements.

11

Manage your financing

Make payments according to your financing terms through your lender's secure servicing portal.

Project funded. Vision underway.

Simple, transparent processSecure every step of the wayReal people. Real support.

DuckWater guides. Financing partners decide.