Garage & Shops

Building Kits Financing

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Finance Your Building With Confidence

Get the funding you need with flexible financing options for shops, barns, garages, and barndominiums. Explore loan solutions designed to fit your budget and timeline.

Shoreham colored logo

Shoreham Bank

best financing for shops garages barns small barndominiums •

Established in 1959, Shoreham Bank gives homeowners the financing they need to increase the value of their home. They also offer loan coverage in all 50 states. You can loan up to $65,000 with no pre-payment penalties and you’ll be getting low fixed rates. Financing including barns, garages, workshops, horse barns, metal buildings, agricultural buildings, and much more! Call Daniella today or apply to see if your project qualifies.

  • Finance up to $65,000
  • No equity or appraisal required*
  • Loan decisions for pre-qualification within 24-48 hours
  • Low fixed rates
  • Flexible payment terms
  • No prepayment penalties
  • Interest may be tax-deductible**
  • Subject to credit approval

Apply for Shoreham Financing

loan officer: Daniella Muschiano

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HFS Home Improvement Loans

best financing for shops garages barns small barndominiums •

As experts in the home improvement financing industry, HFS’s goal is to get every single customer loan inquiry approved and funded quickly. Financing including barns, garages, workshops, horse barns, metal buildings, agricultural buildings, barndominiums, shop houses, houses, shed-homes, barn-homes, or whatever you want to call it, HFS can finance it.

Once they’ve received your application through their 60-Second Loan Application, you will be notified of possible loan options within 24 business hours. You’ll receive a call, text, and/or email within 24 hours or less, and usually in 1-4 hours of application, to discuss and review your loan terms and the home improvement project you have in mind. Simple, fast, honest, accurate, and completely confidential: that’s the type of service they provide clients seeking loans.

  • Finance up to $500,000
  • 120% financing for over budget costs
  • Up to 20 year loans
  • No refi or appraisals
  • Must be primary residence or at primary residence
  • Application doesn't affect credit score
  • Unsecured simple interest loans
  • No prepayment penalties

Apply for HFS Financing

Full color new century bank logo

New Century Bank

best financing for large barndominiums shop houses •

If you label your project a barndominium, shed-home, house, or barn-home, New Century Bank is interested in sharing with you our expertise on what mortgage products apply to your situation. You might be surprised, it is not that difficult. Our friendship with the Post Frame manufacturing industry is broad and we try to accommodate more project styles than any other lender. We encourage you to bring us your ideas.

  • Traditional mortgage lending
  • Finance up to $2M
  • Up to 30 year fixed interest loans
  • No limit on construction loan draws
  • 700 credit score or above required
  • Credit approval required
  • Comfortable with barndominium financing and appraisals

Apply for NCB Financing

Frequently Asked Questions

What’s the best type of roof for my building?

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Both metal and shingle roofs are great options—it really depends on your style, budget, and long-term plans. Metal offers durability and low maintenance, while shingles give a more traditional look. We’re happy to walk you through the pros and cons for your specific project.

Can you build on my existing site or pad?

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In many cases, yes. We’ll evaluate your site to make sure it’s suitable and meets the structural needs of your building. If adjustments are needed, we’ll let you know what steps to take before construction begins.

What kind of warranty do you provide?

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We offer manufacturer warranties on materials and stand behind our workmanship. Warranty coverage can vary depending on the materials and components you choose, and we’ll go over all the details with you before your build begins.

Can I customize the layout, size, or features?

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Absolutely! Customization is a big part of what we do. From overall layout to doors, windows, siding, and interior finishes, we’ll help you design a building that fits your exact needs.

What kind of foundation do I need?

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That depends on the type of structure you’re building and your site conditions. We’ll help determine whether a gravel pad, pier system, or concrete slab is the right choice for your project.

Are financing options available, and how do I apply?

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Yes—PAC partners with trusted lenders who specialize in building projects. We can walk you through the application process and help connect you with a financing option that works for your budget and timeline.

Contact Us Today!

Have questions or need help getting started? We're happy to walk you through it.