Making Your Project Affordable and Possible, Today.
Don't let the initial cost delay your project. At Steel Building Stores,
we believe in making high-quality steel buildings accessible to
everyone. That's why we offer a range of flexible metal building
financing solutions designed to fit your budget and financial situation,
helping you get the structure you need now.
Our process is simple, transparent, and fast. Whether you have excellent
credit or need a no-credit-check option, we have a path for you. Explore
our financing options and discover how easy it is to make your project a
reality.
Two Clear Paths to Finance Your Building
We understand that every customer has a different financial situation.
That's why we offer two distinct financing options to suit your needs.
Rent to Own
No Credit Check.
No Proof Of Income.
No Drivers License Required.
Up to 60 months Terms on all Amounts.
Up to $20,000 Structures.
Our RTO program is the perfect solution if you're looking for instant approval without a credit check. You simply make monthly rental payments and have the flexibility to purchase the building at any time.
Finance Program - Credit Based
Up to $30,000 Approvals.
No Proof of Income Required.
No Drivers License Required.
Up to 60 months Terms on all approvals.
No pre-payment penalty, simple interest loan.
If you have a good credit history, our traditional financing program offers you competitive interest rates and flexible terms. It's the most cost-effective way to finance your long-term investment.
Each financing option is designed for a different type of customer. Use
this table to see which one best aligns with your goals and current
situation.
Feature
Rent-to-Own (RTO)
Traditional Financing
Credit Check
Not Required
Required
Approval
Virtually Instant
Based on Credit
Best For...
Speed, flexibility, no credit impact
Low interest rates, large projects
Building Ownership
At end of term
Immediate
Your Financing Questions, Answered
How hard is it to get approved for metal building financing?
It's very easy! With our Rent-to-Own (RTO) program, approval is virtually instant with no credit check required. For our traditional financing, the process is simple, and we work with a wide range of credit profiles.
What credit score do I need for traditional financing?
There is no magic number, but a good credit score will generally help you qualify for the best interest rates and terms. However, our financing partners have options for various credit profiles. We encourage you to apply!
Is a down payment required?
It depends on the total cost of your building and the program you choose. Rent-to-Own often requires just the first month's rent, while traditional financing may require a small down payment, which is typically a percentage of the purchase price.
What are the typical term lengths? How long can I finance?
We offer flexible terms to fit your budget. Our programs typically have terms ranging from 24 up to 60 months.
Can I finance the concrete slab and site work as well?
Generally, our financing programs cover the cost of the building kit and its installation. Foundation work, such as the concrete slab, is typically a separate responsibility and cost managed by the customer locally.
What is the main difference between a loan and Rent-to-Own?
With a loan, you own the building immediately and pay back the principal plus interest. With Rent-to-Own, you are renting the building with the option to own it at the end, offering more flexibility if you're not sure about the long-term purchase.
Will applying for financing affect my credit score?
For the Rent-to-Own program, there is no credit inquiry, so it has no impact at all. For traditional financing, the application will involve a credit inquiry, similar to any other loan application.
Can I pay off my loan or RTO agreement early without a penalty?
Yes, absolutely. None of our programs have pre-payment penalties. You are free to pay off your balance at any time to save on future interest or rental payments.
What kind of interest rates can I expect?
Interest rates for our traditional financing are competitive and are based on your credit profile and current market rates. The Rent-to-Own program does not have an interest rate but rather a monthly rental factor.
What information do I need to apply?
The process is simple. You'll generally need to provide basic contact information, the installation address, and details about the building you wish to purchase. For traditional financing, information for the credit check will also be required.
