Financing facilitated by Steel Structures America
Quick & Easy Financing
Credit-based financing for loans up to $250,000
Metal building financing for your new project while keeping your home equity available. This is not a mortgage. The financed structure is secured through a UCC-1 filing.
Vacant Land Eligible
Designed for new building projects.
Keep Your Home Equity
Credit-based financing without a new mortgage.
No Appraisal Needed
A simpler path to closing.
Pay Off Early Anytime
No prepayment penalty.
Available for
Eligible properties include:
Vacant land, primary residences, vacation homes, and investment or rental properties.
Our primary financing program
Understand it at a glance.
Approval is based on credit and debt-to-income ratio. The building serves as collateral through a UCC-1 filing, rather than a new mortgage on your home or property.
How this financing is different
A building loan without a new mortgage.
The program is designed to help fund the structure itself while keeping your home equity available.
Approval is credit-based
The lender reviews credit and debt-to-income ratio instead of relying on equity in your home.
The structure secures the loan
A UCC-1 filing records the lender’s interest in the financed building. It is not a new mortgage on your home or property.
Built for new projects
Vacant land is eligible, and no property appraisal is required for this program.
Estimated monthly payments
Compare terms for a 750+ credit score.
Choose the payment and payoff timeline that best fits your project.
| Loan amount | 60 months 7.99% APR |
84 months 8.19% APR |
120 months 9.19% APR |
144 months 9.79% APR |
|---|---|---|---|---|
| $100,000 | $2,027/mo | $1,568/mo | $1,277/mo | $1,183/mo |
| $150,000 | $3,041/mo | $2,352/mo | $1,916/mo | $1,774/mo |
| $200,000 | $4,054/mo | $3,136/mo | $2,554/mo | $2,366/mo |
| $250,000 | $5,068/mo | $3,920/mo | $3,193/mo | $2,957/mo |
Actual rates, payments, and terms depend on approval. $125 origination fee.
Rate estimator
Estimate your rate and payment.
Choose your credit range, loan amount, and term to see an estimated APR and monthly payment. Using this estimator does not affect your credit.
Not sure? Pick your best guess. Your actual rate is set after a credit review.
Up to $250,000. $0 down through $100,000.
Your estimate
$1,183/mo
9.79% APR estimated
- Loan amount
- $100,000
- Term
- 144 months
- Origination fee
- $125
Loans above $100,000 need 15% down, with financing up to 85% loan-to-value.
Tell us about your project. A project manager will follow up with a quote and your financing options. The formal financing application includes a hard credit pull.
Compare terms at your credit range
Estimated monthly payment on $100,000 with a 750+ credit score.
| Term | APR | Monthly payment |
|---|
All rates by credit range
Fixed APRs for every credit range and term. Your selection is highlighted.
| Credit score | 60 months | 84 months | 120 months | 144 months |
|---|
Estimates only, not a loan offer or commitment to lend. Actual rate, payment, and terms depend on credit approval and final loan documents. Rates are subject to change. Payments shown are principal and interest on the loan amount entered and do not include the $125 origination fee. Maximum loan $250,000. Maximum debt-to-income ratio 43%. No prepayment penalty.
Prepare for your application
Three clear steps.
Get a project quote
Talk with a project manager about your building and receive a quote.
Review financing
With your quote in hand, the financing team can review your requested amount, available terms, and estimated rate.
Complete the application
Receive a typical same-day or next-day decision after the application is complete.
Application checklist
What to have ready.
A financing specialist will guide you through the application.
Minimum information for conditional approval
- Name
- Date of birth
- Social Security number
- Phone number
- Driver’s license or identification information
- Current address
- Previous address if the current address is less than two years old
- Requested loan amount and project cost
- Employer and length of employment
- Stated monthly income
Additional information for full credit approval
Wage earners
- Current paystub dated within 30 days
- Previous year’s W-2
Retired applicants
- Social Security or pension statement, or a recent bank statement showing receipt of income
- Liquid-assets statement for self-funded retirement
Self-employed applicants
- Two years of personal and business tax returns, including K-1s
- Current year-to-date profit-and-loss statement
Need more than $250,000?
Alternative financing may also be available, including HELOCs, lines of credit, first or second mortgages, and refinances. Ask a financing specialist which path fits your project.
Common questions
Helpful details before you apply.
Will the application include a hard credit pull?
Yes. A financing specialist will speak with you first and confirm that you are ready before the full application and hard credit pull.
Can I pay the loan off early?
Yes. There is no prepayment penalty, so you may pay ahead or pay the loan off early at any time.
How quickly will I receive a decision?
A same-day or next-day decision is typical after the lender receives a complete application.
When is the first payment due?
The first payment is due 45 days after closing.
What if my project is above $250,000?
Ask a financing specialist about alternative products that may be available for a larger project.
Financing disclosures. Rates are subject to change. APRs shown for 750+ FICO: 60 months 7.99%; 84 months 8.19%; 120 months 9.19%; 144 months 9.79%. Other approved rates: 700 to 749 FICO, 8.74%, 8.94%, 9.94%, and 10.54%; 660 to 699 FICO, 10.24%, 10.44%, 11.44%, and 12.04%; 659 and below FICO, 12.14%, 12.34%, 13.34%, and 13.94%, respectively. Maximum loan $250,000. $0 down through $100,000; above $100,000, 15% down and up to 85% loan-to-value. Maximum debt-to-income ratio 43%. $125 origination fee. Maximum term 144 months, fully amortized. First payment due 45 days after closing. No prepayment penalty. Collateral is a UCC-1 filing on the financed structure. Subject to lender approval and final loan documents.
Download
Get the Financing Flyer
Loan amounts, terms, and estimated monthly payments in one printable page. Open it in your browser to scroll through both pages, or download it to keep.
Get started
Ready to see what you may qualify for?
Send us your project information. A project manager will follow up before the full credit application and hard credit pull.