Financing Your Backyard Project

A backyard shed, workshop, or garage can be a significant investment, one that may be challenging to pay with all cash. At Capitol Sheds, we provide a variety of financing, rent-to-own, and layaway options to make it easier for you to get the right shed for your needs.

Now Accepting Cryptocurrencies

Have your money in cryptocurrency? No need to move it to your bank, pay with cryptocurrency directly. Capitol Sheds now accepts payments via Pay and BitPay.

Learn More

Should I Finance My Shed?

Funds to pay for home improvement projects may come from your savings, tax rebates, bonuses, or some other source. But that trend is changing. Savvy homeowners are realizing that financing is a great way to buy today and pay over time.

Why Financing My Backyard Project Makes Sense

No waiting.

Get the project you want completed now the way you want it, instead of waiting to save up the cash.


Styles, prices, and models change frequently. Avoid product and other changes by completing your project now instead of in stages.

Convenient payment options.

More ways to pay for your home improvement project. Ask us about all your choices.

Financial Flexibility.

If your circumstances change, you may need cash reserves as a back-up plan for life's necessities.

Financing Options

Capitol Sheds has partnered with two banks – Wells Fargo and LightStream – to provide easy financing for your shed or outdoor structure. Check below to see these programs and to see if you qualify.

Payment Estimator

Total Cost:

Monthly Payments

Based on a cost of       

  12 Month No Interest:       
60 Month 9.9%:
36 Month RTO:
60 Month RTO:

* Monthly cost displayed is an estimate only. You will be provided with an exact monthly cost when your go through the purchase process.

Wells Fargo Financing

We offer special financing options with approved credit for 12 or 60 months. Come into one of our offices to apply for financing or Click Below to apply online.

Learn More
Special Financing Options from Wells Fargo

LightStream Financing

LightStream offers an easy low-interest financing solution so you can get funds for your foundation, garage, workshop and horse barn projects. Good-credit customers can get funds starting at $5,000 up to $100,000 as soon as the same day if all conditions are met.

Apply online using a quick application process and receive your funds without ever leaving the house. It’s fast, easy, and there are no fees or prepayment penalties. No home equity or appraisals are needed. (We may be compensated by LightStream through this link.)

Apply Now.

All loans are subject to credit approval by LightStream.

Truist Bank is an Equal Housing Lender. © 2022 Truist Financial Corporation. Truist, LightStream, and the LightStream logo are service marks of Truist Financial Corporation. All other trademarks are the property of their respective owners. Lending services provided by Truist Bank.

LightStream Financing

Rent-to-Own Shed Program

No credit or poor credit? Rent-to-Own may be the answer for you.

With our Rent-to-Own shed program, you can purchase a shed without needing a credit check. You can choose the style and color of your shed, and have it delivered right to your location. After 36 monthly payments, you will have paid off the building and it is yours.

Contact us to discuss our rent-to-own program.

Program Details

  • This program is not for short-term rental. If you are looking for a short-term rental, we have monthly rental units available.
  • To order a building and schedule delivery, we require a security deposit and the first month's rent.
  • An early Purchase option is offered with your monthly invoice. You only need to pay the remaining cash balance -- which is 60% of the contract balance on a 36-month rental agreement.
  • The Rental Contract may be voluntarily terminated at the end of any monthly term without penalty. Just give us a 15-day notice to schedule a pick-up.
  • Rent-to-Own is only available within Virginia, and is only available within 60 miles of any location.
  • The maximum Rent-to-Own allowed amount is nine thousand dollars. If you are looking to buy or rent a more expensive building, contact us to see what other options may be available.
LightStream Financing

100% FREE Layaway Shed Program

Need to get a shed, but you don't need it right away? Then the lay-away might be the option for you. Make regular no-interest payments and when the balance of the purchase price is paid, we will deliver the shed to you.

Benefits of our 100% Free Lay-Away Program:

  • No Credit Checks
  • No Storage Fees
  • No Interest Fees
  • Price Hold Protection
  • Flexible Start Up Deposit
  • No Time Restrictions
Contact us to discuss our lay-away program.
LightStream Financing