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RTO Financing
Get your dream metal building or carport today with flexible rent-to-own financing. Low down payments, easy approval, and paths to ownership that work with your budget.
Why Choose RTO Financing?
Rent-to-own financing makes metal building ownership accessible with flexible terms and lower barriers to entry.
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Low Upfront CostsStart building your custom structure with just a 10% deposit instead of large down payments required by traditional financing.
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Easy QualificationsGet approved with alternative credit profiles. We offer options with and without credit checks to serve more customers.
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Path to OwnershipYour payments contribute toward owning your metal building outright, building equity with every payment you make.
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Quick ApprovalsStreamlined approval process gets you approved faster than traditional loans, so you can start your project sooner.
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Flexible TermsChoose from various term lengths from 12 to 60 months that fit your budget and cash flow needs perfectly.
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Customizable FundingFinancing is tailored to your project's total cost and scope, allowing you to build exactly what you envision.
RTO vs Traditional Financing
See how rent-to-own financing compares to traditional metal building loans.
Financing Feature
Traditional Financing
RTO Financing
Down Payment
Variable 10-20%
Flat 10% deposit
Credit Requirements
High credit score (650+) required
Options with or without credit check
Payment Terms
Fixed monthly terms, long periods
Flexible terms, 12-60 months
Approval Process
Lengthy process, extensive paperwork
Simple, faster process
Collateral Requirements
May require collateral
Typically no collateral required
Our RTO Financing Partners
Choose from two trusted financing options designed to meet different credit situations and funding needs.
RTO National
Credit Check Option
For customers with established credit.Up to $30,000 Financing
Minimum 650 credit score required
Interest rates based on credit profile
Personalized financing terms
National leader since 2003
Based in Greenville, South Carolina
How it works: If your building cost exceeds $30,000, you pay the remaining balance separately from your down payment.
Heartland Capital
No Credit Check Option
For alternative credit profilesUp to $15,000 Financing
No credit check required
Flexible 12-60 month terms
Deposit based on building cost
Trusted leader since 2007
Based in Mayfield, Kentucky
Perfect for: Customers with alternative credit profiles seeking affordable, hassle-free funding options.
Additional Payment Options
Beyond RTO financing, we offer multiple secure payment methods for your convenience.
💳 Digital Payment Options
- Credit Cards: Visa, Mastercard, Discover, American Express (3% processing fee)
- Debit Cards: No processing fees, cost-effective option
- ACH Bank Transfers: Direct bank-to-bank transfers
- Wire Transfers: Fast and secure for large amounts
📄 Traditional Payment Methods
- Personal Checks: Secure and reliable for larger purchases
- Money Orders: Safe prepaid payment option
- Cash Payments: In-person transactions during scheduling/delivery
🔒 Secure Payment Processing: Our payment system uses industry-standard security measures and multiple channels to ensure every transaction is fast, safe, and reliable. All sensitive data is encrypted and protected.
