RTO Financing for Metal Buildings

Looking for a metal building but concerned about the cost or your credit score? Our Rent-to-Own program can help you! This program is designed just for you so that you can get a steel building without the stress of a big upfront payment or the worry of credit checks. With Rent-to-Own, you can get the building you need with a small amount of money to start and then make manageable monthly payments. No need to wait any longer for the storage space, workshop, or garage you’ve been dreaming of.

Our easy-to-use calculator can give you a clear idea of the payments, so you can plan ahead and make the best decision for your needs. Let’s make it happen and get you your new metal building today!

Calculate Estimated Monthly Payments

  • $5K
  • $10K
  • $15K
  • $20K
  • 24
  • 36
  • 48
  • 60

Payments as low as:

$ /MO. before taxes

for a $ building for months term with an estimated $ down payment & security deposit.

For any questions regarding Rent-to-Own contact us. ($3,000 minimum)

Features of Our Rent-to-Own Program

Our Rent-to-Own program is all about making metal buildings accessible and affordable for everyone. With simple terms and great features, you can have the building you need without the stress of big upfront costs. It’s designed with flexibility in mind, so you can manage payments easily and get set up without any fuss over credit checks. Here are the features of our RTO program:

  • $3,000 minimum on Rent-to-Own
  • 90 days, same as cash available with no origination fees on 24–36 month terms
  • Rent-to-Own up to $20,000
  • 40-60% rental rates
  • Hassle-free, no obligation
  • Note: Renters are required to complete a landlord waiver

Rent-to-Own Program Requirements by Our RTO Partner: Heartland

  • Customer can be the owner or renter of the home and/or land.
  • If a customer is a renter, the landlord MUST sign the landlord waiver.
  • No credit check.
  • Only one building per contract unless they are being connected.
  • Building(s) must be certified.
  • Building(s) must not be an occupied space. (We do not finance barndominiums, tiny houses, container homes, lived-in outbuildings, etc.).
  • $3,000 minimum amount required to qualify.
  • RTO total cannot exceed $20,000.
  • If the RTO total exceeds $20,000, the customer MUST pay an extra down payment to meet the $18,000.
  • The extra down payment will have a tax, which will be included in the amount paid.
  • An extra down payment must be paid to Metal Garage before we can approve the contract.
  • On contracts with a subtotal of $10,000 or higher, the customer must provide proof of home/land ownership.
  • Acceptable forms are PVA/Tax Bills, Property Deeds, and/or Mortgage Statements.
  • RTO contracts are 6 pages, including the Purchase Order Form (Landlord Waiver attached if needed).
  • All pages must be signed or initialed in the designated areas before the contract can be processed.
  • Must have the customer’s SSN (or at least the last 4 digits), DOB, DL #, and the 2 required references.
  • Prefer to have a copy of the Driver’s License, but it is not mandatory.
  • 24-month term is acceptable on all orders $0 to $20,000 and has a divisor rate of 14.4.
  • 36-month term is acceptable on all orders $0 to $20,000 and has a divisor rate of 19.8.
  • 48-month term is acceptable on all orders $0 to $20,000 and has a divisor rate of 21.6.
  • 60-month term is acceptable on all orders $0 to $20,000 and has a divisor rate of 24
  • Some terms will carry an origination fee and it will automatically populate the amount when you choose the term.
  • Origination fee is a non-refundable fee paid to Heartland for processing the contract without a credit check.
  • LDW (Loss Damage Waiver) must be checked “Accept” or “Do Not Accept,” initialed, and explained to the customer.
  • All labor charges must go under “Labor Fees” to be paid at the time of installation. Cannot finance a labor charge.
  • LDW covers the unit only (no contents) and only for a Natural Disaster.
  • Customer can have more than one contract as long as the RTO total of the contracts does not exceed $20,000.
  • If the customer is paying on an existing unit on contract, they cannot have another contract unless Heartland sends approval.
  • No penalty for early purchase.
  • 90 Day SAC-exclusive to metal garage.
  • Customer may now choose a monthly or bi-weekly payment option.
  • First month/bi-weekly payment and the origination fee (if applicable) are due at the time of installation.
  • This is made payable to Metal Garage, via money order, cashier’s check, Visa, Master Card, Discover, or American Express.
  • Once the unit is installed, we will invoice Heartland Capital Investments, and the customer will contact them for future payments or concerns.

*Prices and terms are subject to change without notice.