Flexible Payment Options
Financing Your Steel Building
We've partnered with trusted lenders to make your dream building affordable. No hidden fees, no surprises — just straightforward options.
💰 Financing (Traditional Loans)
Own your building from day one with a traditional loan from one of our trusted lending partners.
HFS Financial
Home Improvement Loans
Soft credit check — get approved in as little as 60 seconds
Funding up to $325,000
No dealer fees
Terms up to 20 years
No prepayment penalties
Upgrade
Home Improvement Loans
Flexible loan amounts for any project size
Soft credit check options available
Multiple term lengths to fit your budget
Fixed monthly payments — no surprises
RTO National — Finance Program
Traditional Financing
Credit check required (680+ score)
Funding up to $20,000
Own the building from day one
Live-in use permitted
🔑 Rent-to-Own (RTO)
Flexible lease and rent-to-own programs — low barrier to entry with options that work for every budget.
RTO National — Lease
Rent-to-Own / RTO
No credit check required
Funding amounts up to $30,000 (the building amount may not exceed $30,000, even if the customer pays the difference upfront)
Flexible payment options
The deed holder must be either the customer or a co-customer (verified through county records)
At the time of sale, the customer submits two payments: the dealer deposit plus the RTO administrative fee and applicable taxes
Our team will contact the customer after submission to confirm the contract was entered accurately and that they agree to the terms
Customers save more the sooner the building is paid off
Contracts are month-to-month; customers may cancel at any time, and we will retrieve the building at no cost
No live-in use permitted
Concrete work is completely standalone and may not be added to our contracts
EZ Pay Rent-to-Own
EZ Pay Buildings
$25K max (after initial deposit) RTO funding on Steel
Credit Check on Funding over $15K on Steel. Customers can buy down building to avoid credit check.
Customers can buy down the cost of structures as much as they want to
No Processing Fees, No Early Pay-off Fees, or any extra fees of any kind
Pay-off is always based on what is remaining from the starting cash price, not the overall contract value
Customers can get (2) structures if max RTO does not exceed $20K
No application fees, No termination fees. No hidden fees of any kind, ever.
Quick Comparison
| Feature | HFS Financial | Upgrade | RTO Nat. Finance | RTO Nat. Lease | EZ Pay |
|---|---|---|---|---|---|
| Type | Home Improvement Loan | Home Improvement Loan | Traditional Finance | Lease / RTO | Rent-to-Own |
| Max Funding | Up to $325K | Flexible | Up to $20K | Up to $30K | Up to $25K (after deposit) |
| Credit Check | Soft (60 sec) | Soft option | Yes (680+) | None | Only over $15K |
| Ownership | From day one | From day one | From day one | After payoff | After payoff |
| Terms | Up to 20 years | Multiple options | — | Month-to-month | — |
| Prepayment Penalty | None | — | — | — | None |
| Hidden Fees | No dealer fees | Fixed payments | — | — | None, ever |
| Live-In Use | — | — | Yes | No | — |
| Multiple Structures | — | — | — | — | Up to 2 (if ≤ $20K) |
Not Sure Which Option Is Right for You?
Contact us and we'll help you find the best financing plan for your budget and project.