Don't Let Money Slow You Down
Get approved in minutes. Start building now. Pay over time.
Seriously, it's that simple. No games, no surprises.
Calculate Your Payment
See what your monthly payment could look like
Clear, Simple Payment Structure
Three milestone payments that align with your project progress
Initial Deposit
Due at checkout to secure your order
Production Payment
Due when plans are approved
Final Payment
Due before delivery scheduling
Finance Any Payment: You can use Hearth financing for your initial deposit, production payment, final payment, or all three. Break down your building costs however works best for your budget.
Why Finance Your Building?
Saving $50,000 takes years. Financing lets you start your project today while your equipment sits outside rusting. By the time you save enough, inflation makes it cost more anyway.
Emergencies happen. Business opportunities pop up. Spreading payments over time keeps your savings liquid for life's surprises instead of tying it all up in steel.
Many business buildings qualify for Section 179 deductions or bonus depreciation. Check with your CPA - financing can actually save you money come tax time.
What Customers Say
Got approved in 20 minutes. Had my 40x60 shop up in 8 weeks. Been paying $380/month instead of draining my savings. Best decision we made.
The 0% for 18 months was perfect. Paid it off before any interest kicked in. Kept my business capital free for other investments.
Common Questions
Hearth works with borrowers starting at 550 FICO. Higher scores get better rates. Even fair credit can qualify - just check your options.
No. Pre-qualifying uses a soft credit check that doesn't affect your score. Only when you accept an offer and move forward does a hard pull happen.
Most customers get funded within 24-48 hours of approval. Some loans take up to 7 days. Either way, faster than traditional bank loans.
You still have options. We can discuss cash pricing, payment plans, or help you work on improving your credit for 6 months then reapply.
Absolutely. Hearth is a licensed loan broker (NMLS #1628533) that partners with 18+ established lenders. They've funded billions in home improvement projects since 2016.
How It Works
Ready to Get Started?
Get your building quote first, then see your financing options. Or call us and we'll walk you through both.
About Hearth: Hearth is a licensed loan broker (NMLS #1628533) that connects you with 18+ lending partners. They handle the financing, we handle the steel. We partnered with them because they're fast, transparent, and actually care about getting you approved.
Rates range from 7.99% to 35.99% APR based on credit profile. 0% promotional rates available for qualified applicants. FICO scores as low as 550 considered. Terms from 1-12 years. All loans subject to credit approval.