Building a new shed can be a significant investment, particularly when the project involves a large garage, American barn, farm shed, workshop or commercial building. For many buyers, the question is not simply whether they want to build, but how they want to fund the project.
Shed finance can provide another way to move forward with a project without necessarily funding the entire build upfront from available cash.
EziBuilt Sheds is a national shed distributor servicing customers across Australia, with a growing distributor network providing local support in many regions. Along with custom shed design, engineering and installation options, finance may also be available for eligible EziBuilt projects.
Before applying for finance, however, it helps to understand your shed project properly and know what you are actually looking to fund.
Can You Get Finance for a Shed?
Finance may be available for a range of shed projects, subject to the finance provider’s eligibility requirements, lending criteria and approval.
The important point is that finance should generally be considered alongside the complete project rather than focusing only on the basic shed structure.
A new shed may involve engineering, delivery, installation, foundations, site works and other project requirements, depending on what is being built.
Start With the Shed You Actually Need
Before thinking too far ahead about finance, establish what you need the building to do.
A common mistake is starting with the amount someone hopes to spend and then trying to squeeze the project into that figure. For a substantial shed, it is often better to start with its intended purpose.
Consider questions such as:
- What will the shed be used for?
- What needs to fit inside?
- How much floor space is required?
- What height and clearance do you need?
- How many doors or access points are required?
- Will vehicles or machinery need to manoeuvre inside?
- Do you need workshop areas?
- Will the building need room for future expansion?
- Are awnings or additional covered areas required?
Once those requirements are understood, EziBuilt can develop a shed specification that more accurately reflects the project.
Why Getting a Proper Shed Quote Matters
If finance is going to form part of your purchasing decision, it helps to have a realistic understanding of the full project scope.
Two sheds that appear similar initially can end up being very different projects once engineering, dimensions, openings, site conditions and installation requirements are considered.
A properly developed quote can help clarify what you are actually purchasing and what may need to be organised separately.
When reviewing a shed quote, look at more than the headline figure. Check what is included around:
- structural design
- engineering
- shed components
- doors and other openings
- delivery
- installation
- slab or foundation requirements
- additional project services
Understanding the complete scope can make it easier to decide what needs to be financed and what other project expenses need to be planned for separately.
Finance for Farm and Rural Sheds
Finance can be particularly relevant for rural customers considering larger buildings.
A farm shed may be needed for machinery storage, vehicles, hay, equipment, workshops or day-to-day agricultural operations. These buildings can also be considerably larger than a typical residential shed.
When planning a farm shed, think about both your current requirements and what the property may need in the future.
For example, increasing machinery size later could change the required door openings, bay widths or building height.
Putting the right specification together before looking at finance can help avoid funding a shed that becomes unsuitable too quickly.
Financing a Garage, Workshop or American Barn
Residential and acreage projects can also involve substantial custom buildings.
Someone building an American barn may want a high centre bay for a caravan, boat or motorhome, with side bays used for vehicles, storage or workshop space.
Rather than treating finance as a way of simply purchasing a particular shed size, consider the building as a long-term addition to the property.
Getting the layout right before requesting a quote can make a considerable difference to how useful the finished building is.
What About Commercial Shed Finance?
Businesses considering a commercial or industrial shed may also investigate finance as part of their broader project planning.
Commercial buildings can involve additional considerations including:
- clear-span requirements
- heavy vehicle access
- loading and unloading areas
- building height
- large roller doors
- storage and racking
- workshop areas
- future business expansion
These projects should be properly scoped before any funding decision is made.
For commercial buyers, the question is often not simply “Can we finance a shed?” but whether the proposed building specification supports the way the business intends to operate.
Should You Finance the Shed or Pay Upfront?
There is no single answer that suits every buyer.
Some customers may prefer to fund their project directly, while others may want to investigate finance so they can retain cash for other property, farming or business requirements.
The right decision depends on your circumstances, the size of the project and the finance options available to you.
Finance products can involve interest, fees, repayment obligations and eligibility requirements, so buyers should review the terms carefully and consider whether the arrangement is suitable for their circumstances.
EziBuilt can help with the shed side of the project, while finance decisions should be made based on the terms provided by the relevant finance provider.
What Should You Have Ready Before Getting a Shed Quote?
You do not need to have every specification worked out before speaking with EziBuilt.
However, having some basic information ready can help move the project forward more efficiently.
It is useful to know:
- your property location
- what the shed will be used for
- approximate dimensions
- vehicles or machinery that need to fit inside
- preferred door locations
- whether you require installation
- any known site challenges
- your preferred project timeframe
From there, the shed design can be refined around the property and intended use.
Building and Financing Sheds Across Australia
One of the advantages of working with EziBuilt is the ability to plan your project through a national shed distributor with support available across Australia.
Different locations can have different engineering, site and approval requirements, so the building still needs to be designed for the property where it will actually be constructed.
Whether you are planning a residential garage, American barn, farm building, workshop, commercial shed or another custom structure, EziBuilt can help develop the shed specification before you decide how you want to fund the project.
If finance is part of your plans, starting with a properly scoped shed and project-specific quote gives you a much clearer foundation for exploring the finance options available to you.
DISCLAIMER:
The information in this article is general in nature and may not apply to your specific project, property or location.
It should not be relied upon as professional, legal, engineering or compliance advice. Every shed build is different,
and requirements vary across states, councils and site conditions. For guidance tailored to your situation, please speak
with a qualified professional or contact EziBuilt Sheds for project-specific advice.
