Rent-to-Own Providers
These companies provide the rent-to-own / lease programs that shed dealers offer to their customers. Compare coverage and programs below, then open a provider for details. Are you a provider? Claim your listing to keep it accurate.
| Provider | Coverage | Who they serve | Dealer program | First payment | |
|---|---|---|---|---|---|
| Rent To Own Sheds, Inc. | Not publicly verified | Portable buildings / sheds | RTO provider serving shed dealers. | Not publicly verified | View → |
| RTO National | Nationwide (48 states - confirm state list) | Sheds, carports, steel structures, HVAC, generators, backyard products | Lease purchase / RTO funder. Purchases units from participating retailers and leases to customers. Partners with many manufacturers and dealers. | Low / $0 down options | View → |
| NEWFOUND Solutions (parent of NewFound Rentals, RTOSmart, RTOPartners, ShedConnect) | Nationwide | Sheds, portable buildings, backyard structures | Parent brand to four sub-brands: NewFound Rentals (RTO funding), RTOSmart (CRM/contract software), RTOPartners (dealer programs), ShedConnect (digital marketing/leads). Rebranded from NewFound Rentals. | Small down payment + monthly | View → |
| Heartland Capital Investments (HCI) | Nationwide (one of largest contract managers) | Storage sheds, storm shelters, greenhouses, gazebos, portable buildings | Largest contract managers in nation. Acquired BLI Rentals (2020). Offers 50% Buy Back and Managed Inventory options. AppXpress 100% paperless processing with payment in 1-2 business days. | Varies; no credit score check | View → |
| BLI Rentals (acquired by HCI in 2020) | Formerly nationwide | Portable buildings, sheds, backyard structures | Acquired by Heartland Capital Investments. Historical: Emporia, KS-based RTO provider for portable backyard structures. | Not publicly verified | View → |
| SmartPay Rentals | Multi-state, partnered with dealers across US (mostly Eastern/Southeast and via ShedHub integration nationwide) | Sheds, portable buildings | Integrated with ShedHub.com (leading marketplace). Operates own retail brand Smart Sheds in Darlington, SC. | Security deposit + first month | View → |
| MyShedRental | Multi-state via dealer network | Storage sheds | Locates nearby dealers, provides true rental program (not loan). | First rental payment ~30 days after delivery | View → |
| AFG Rentals | Nationwide partnerships with manufacturers | Sheds, steel buildings, carports, playhouses, play sets, gazebos | Texas-based RTO provider. Has extensive manufacturing experience. Low barrier for consumer agreements; quick payment to dealers for purchased inventory. | Varies | View → |
| Whitetail Rentals | West Virginia & Ohio area | Sheds, backyard structures | Partners with manufacturers and dealerships in WV & OH region. Dealer portal at portal.whitetailrto.com. | Varies by plan | View → |
| Backyard Leasing | Multi-state (confirm coverage) | Sheds, playhouses | Lease-to-own for shed and playhouse line; NOT for finished cabins, site-built garages, outdoor living products. | Small refundable deposit | View → |
| CAL (Capital Adventure Leasing) / calcanhelp.com | 50 states (via Cardinal Leasing affiliate) | Sheds, carports, portable buildings | Technology platform that integrates with multiple shed/carport companies, RTO partners, and configurators. Manages contract creation, e-signing, forwarding to RTO companies. | Varies | View → |
| Cardinal Leasing | All 50 states | Shed industry equipment, B2B | Equipment leasing for shed industry / shed equipment. | Varies | View → |
“Not publicly verified” means we don't have confirmed public details for that field, so contact the provider to verify. Provider details can change; this directory is informational and is not an endorsement.
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