Build Your Dream Steel Building. 100% to 120% Funded.
Transform your property with custom steel building kits, barndominiums, concrete foundations, and turnkey installation. Enjoy direct-to-consumer funding with zero home equity required and no impact on your credit score to check rates.
Y&S ENTERPRISES LLC
Official Home Improvement Loan Partner
⭐ Thousands of 5-Star Reviews — Unsecured loans up to $500,000 with terms up to 20 years.
Why Finance Your Steel Building With HFS Financial?
Traditional bank loans require tedious home appraisals, months of paperwork, and strict equity requirements. HFS Financial provides seamless, direct funding designed for homeowners and commercial builders.
Direct-To-Consumer Funded
100% of approved loan capital is wired straight into your personal checking account upfront. You maintain total control over payments to contractor crews, foundation teams, and material suppliers.
No Impact On Credit Score to Inquire
Check your eligible loan amounts and monthly rates in 60 seconds with zero risk to your credit score. HFS performs a soft credit inquiry to deliver personalized terms.
No Home Equity & No Appraisal
Skip home equity checks, property appraisals, and expensive closing costs. HFS specializes in unsecured home improvement loans, speeding up your building timeline by weeks.
Fund Up to 120% of Project Cost
Never worry about unforeseen site work or mid-construction add-ons. If your total project cost is $100,000, you can fund up to $120,000 to cover concrete slabs, insulation, electrical, or upgraded doors!
Industry-Leading Loan Terms
Borrow up to $500,000+ with predictable fixed monthly payments and flexible repayment schedules up to 20 years. No early prepayment penalties!
Thousands of 5-Star Reviews
Join thousands of satisfied property owners across the country who financed their metal workshop, commercial logistics hub, or custom barndominium hassle-free.
Curious What Your Payment Might Be?
Adjust total estimated project cost and term duration below to estimate your low monthly payment.
Based on -year fixed terms & % APR. Actual rate subject to HFS credit profile review.
Check Rates — 0 Credit Score Impact1-minute quick inquiry • Soft credit check only
How HFS Financing Works
From inquiry to cash deposit in your checking account in 4 simple steps.
1-Minute Inquiry
Click to inquire online or scan the flyer QR code. Takes 60 seconds from your phone or desktop.
Soft Credit Check
HFS conducts a soft credit check so there is NO impact on your credit score to obtain your rates.
Terms in 24 Hours
Once conditionally approved, your custom loan options and fixed monthly payment schedules are presented within 24 hours.
Direct Cash Deposit
Full loan funds are wired directly to your checking account, enabling easy, on-demand payments to contractors and suppliers.
Fund All Metal Building & Property Improvements
HFS Home Improvement Loans are not limited to just the building shell. You can bundle your entire construction project into one low monthly payment:
- Steel Building Kits & Engineering: Primary/secondary framing, roof & wall cladding.
- Concrete Foundations & Site Prep: Excavation, grading, slab pouring, and anchors.
- Turnkey Construction Labor: Subcontractors, erection crews, and overhead door installs.
- Barndominium & Interior Buildouts: Electrical, plumbing, insulation, drywall, and custom windows.
Official Program Flyer — Page 2
120% Loan Buffer
Request Your Project Quote & Financing Packet
Submit your project details below to receive a custom building quote along with HFS Financial pre-approval details.
Frequently Asked Questions
Everything you need to know about financing with Y&S Enterprises LLC & HFS Financial.