Shop Buildings

Overview Garage & Shops

Building Catalog Options & Upgrades Metal Colors Financing FAQ

Overview Steel Carports

Carports 3D Designer FAQ

Overview Portable Buildings

Inventory 3D Designer Rent-to-Own FAQ
Shop Lumber & Hardware
Resources
Blog FAQ
Building Finance

Finance Your Building With Confidence

Get the funding you need with flexible financing built for shops, barns, garages, and barndominiums. We partner with trusted lenders to match the right loan to your budget and timeline.

Estimate My Payment Compare Lenders
  • $2MMax loan amount
  • 24–48 hrPre-qual decisions
  • $0Prepayment penalties
  • 30 yrFixed terms available
Shoreham Bank · Secured Loan Program

Estimate Your Monthly Payment

A quick estimate based on Shoreham Bank’s secured-loan rate sheet. Pick the amount you need and your credit-score range — we’ll show an estimated payment for every term.

$
Credit score range
Apply with Shoreham

Estimates only. This calculator reflects Shoreham Bank’s secured-loan program and is provided for convenience — it is not an offer, approval, or commitment to lend. Rates shown are examples by credit-score range and are subject to change; your actual rate, payment, and terms are determined by Shoreham Bank when you apply. Estimated payments include the program’s monthly insurance premium; the amount financed includes lender fees and financing costs. Program maximum: $100,000 financed. The 800+ tier requires a debt-to-income ratio below 38%. All loans subject to credit approval by Shoreham Bank.

Bigger project, or want more options? Compare all three lending partners below ↓

Three Trusted Lending Partners

From a backyard shop to a full barndominium or home improvement, one of our partners is built for your project.

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 property, with loan coverage in all 50 states. Borrow up to $100,000 with no prepayment penalties and low fixed rates — for barns, garages, workshops, horse barns, metal & agricultural buildings, and more. Call Eric today or apply to see if your project qualifies.

  • Finance up to $100,000
  • No equity or appraisal required*
  • Pre-qualification decisions in 24–48 hours
  • Low fixed rates & flexible payment terms
  • No prepayment penalties
  • Interest may be tax-deductible**
Loan Officer Eric Schwartz
401-773-9702 Send email
Payment Calculator Apply with Shoreham

*Subject to credit approval. **Consult your tax advisor.

New Century Bank

Best financing for large barndominiums, shop-houses & barn-homes

Building a barndominium, shed-home, barn-home, or full house? New Century Bank knows the post-frame industry inside out and accommodates more project styles than just about any other lender. Bring them your ideas — you may be surprised how straightforward it is.

  • Traditional mortgage lending
  • Finance up to $2,000,000
  • Up to 30-year fixed interest loans
  • No limit on construction loan draws
  • Comfortable with barndominium appraisals
  • 700 credit score or above required
Lending Team New Century Bank
785-527-2772 Send email
Get NCB Info

Credit approval required.

HFS Financial

Best for pole barns, shops & home-improvement projects

Financing powered by Home Improvement Loans and funded direct-to-consumer — perfect for pole barns. A 1-minute inquiry runs only a soft credit check — no impact on your credit — and you'll have loan terms within 24 hours. You Dream It, We Finance It.

  • Borrow up to $450,000 — up to 120% of project cost
  • Fixed rates from 7.8% · terms up to 30 years
  • No equity, no appraisal, no liens (unsecured)
  • Inquiring won't affect your credit (soft check)
  • Funds within 48 hours of approval
  • Thousands of 5-star reviews
Online Financing HFS Financial
HFSFIN.COM Terms in 24 hrs
Apply with HFS

HFS Financial is not a lender or broker. Not all will qualify.

How Financing Works

Three simple steps from idea to finished build.

1

Pick Your Building

Design your shop, barn, garage, or barndominium with PAC and get a clear project estimate.

2

Choose a Lender

Match your project to Shoreham, New Century, or HFS and apply — we'll point you the right way.

3

Get Approved & Build

Receive a fast decision, lock in your terms, and we start building with confidence.

Contact Us Today!

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