Shed Geek Podcast

Unlocking Metal Building Sales Through Smart Financing PART 1

• Shed Geek Podcast • Season 5 • Episode 23

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What happens when a banker makes a U-turn on the interstate after a failed business meeting? For Joel Oney of J Money and the team at Dayton Barns, it sparked a partnership that generated nearly $5 million in additional sales over just three years.

The latest Steel Kings podcast brings listeners inside this remarkable business relationship as hosts Jared Ledford and Eric Olson welcome Joel and Katy from J Money—the official studio sponsors making the podcast possible. Their story demonstrates how financing solutions specifically tailored for metal buildings have transformed the industry and created opportunities that would have otherwise been impossible.

Joel shares how his 25 years of banking experience led him to recognize a critical gap in the market: customers with good credit seeking affordable financing options for buildings over $25,000 needed something better than traditional rent-to-own programs. The solution? A comprehensive financing platform offering paperless applications, instant pre-qualification, and multiple payment options that salespeople can present without collecting sensitive customer information.

The results speak for themselves. Eric describes completing an entire sales process with an Arizona customer in just 90 minutes over the phone—from introduction to credit approval to signed contract. Another example shows how financing turned what might have been a $20,000 cash purchase into a $35,000 building because customers focus on the monthly payment, not the total price.

Beyond business strategies, the conversation reveals a deeper truth about success: "singular moments create lifetime results." Each participant shares how stepping outside their comfort zone—making that U-turn, introducing themselves to a stranger at a banquet, or being open to new partnerships—led to transformative opportunities that changed their businesses and lives.

Ready to implement financing solutions that could revolutionize your metal building or shed sales? Call J Money at 1-937-JMONEY or visit jmoneyllc.com to discover how they might help you close more deals and sell larger projects.

For more information or to know more about the Shed Geek Podcast visit us at our website.

Follow us on Twitter, Instagram, Facebook, or YouTube at the handle @shedgeekpodcast.

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To suggest show topics or ask questions you want answered email us at info@shedgeek.com.

This episodes Sponsors:
Studio Sponsor: J Money LLC

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Jared :

Hey guys, what's up? It's the Steel Kings podcast and we are back at it. I am Jared right here, this is Eric over here, and we are back with another episode of the Steel Kings podcast. We are so happy you're here. We've talked about a lot of things over the last few episodes. We're going to get into something today that is very important to us, something that is very cool. We've got a special guest for the first time, eric. What do you think about that?

Eric:

man, I'm excited to have another you know a couple people on here, man, and, and especially the person that it is super excited to have him on today. Yeah, so we're extremely blessed.

Jared :

Uh, we're humbled and blessed and honored that we've been able to partner with these folks now for a little over three years almost four years, something like that. I mean, eric, we'll get into this, but our friends from j money are here today and they are the studio sponsors for the Steel Kings podcast. They are the reason why you guys get to enjoy our happy faces and voices once a week and we've had a really productive relationship with these folks. I'm not going to waste a whole bunch of time. I'm going to go ahead and bring them in. We're going to make a transition here for the first time on the Steel Kings podcast to a guest format. So, bear with me, I'm going to bring everybody in podcast to a guest format. So bear with me. I'm going to bring everybody in, Katy and Joel. Let me go ahead and drop Eric here really quickly and we will bring in Joel and Katy. And welcome to the Steel Kings podcast, Joel and Katy from the J Money team how are we doing today?

Joel Oney:

It's great to see your faces today.

Katy:

How's?

Eric:

everything going Fantastic.

Joel Oney:

Yeah, yeah, excited, happy Monday.

Eric:

Yeah, definitely we love Monday.

Jared :

I don't know, Joel. Last time I checked we had done something close to $5 million in sales, something like that four or close to five. We are just really lucky just so y'all can put that into perspective for our metal building and woodshed sales friends. Five million over the course of a couple years, and we'll get into the timeline on this. But those are additional sales that we just might have missed out on and it's a lot of gross volume that we might not have had the chance to secure without our help from our friends over at J Money. This is definitely going to be a lot today, eric. I'm going to kind of give all of you a heads up for that. But I came on to Dayton Barns, as you guys have heard in previous episodes, about three years ago now. It's actually three years ago this week that Eric and I got into this together and y'all were kind of on this road, walking down this road together already. But I'm going to kind of let you guys take the lead here and kind of fill me in.

Joel Oney:

Yeah, yeah, and kind of fill me in yeah, yeah, you all have been a leader in the financing, and you know Dayton Barns is a leader in a lot of things, and so why would we not expect them to be a leader?

Jared :

in financing as well, right? Well, we sure appreciate those kind words. Just so everyone knows out there that's listening we're officially sponsored by the team over at J Money. They will help you out with your projects. If you're a contractor, if you're selling metal buildings, wood sheds, if you're producing anything in the home improvement space, these are your folks. Give them a call at 1-937-JMONEY and they're happy to help you out, and we're going to officially welcome them to the podcast here today. I'm not going to waste a whole lot of time. I'm going to let Eric take the lead here. Eric and Joel, you know, met each other and the rest is kind of history from there. But, eric, why don't you fill us in? And Joel, we can kind of go from there and kind of bounce off and see what we can get into today. I think sharing some things with the listeners is going to be good for everybody. Eric, why don't you let us know, uh, how we got started with Joel and go from there? How's that?

Eric:

you know, we, we were talking about the time frames of our existence in Dayton Barns, and I think one of the like, the biggest like, pinnacle moments was and I think it was episode two. I believe we was talking about how, like, don't, don't wait on a transition, you know, make your move, make sure it's not emotional. And so we were in the middle of shopping wood shed places to put on our properties, and so we it's not that we weren't happy, but we was looking for something, maybe a little bit, that paid us a little bit more in dealer commission. But that's not why, Joel, you know, it matters, because we were eager to meet new people. So the story goes uh, you know, like, first of all, welcome to our podcast guys. Um, uh, I, I'm absolutely tickled that full circle. I mean, Joel, me and you have been in North Carolina at meetings in Texas and meetings. We've been on road trips, I've called you, I've probably harassed you to some degree about certain things and you know, probably double called you, which is a cardinal sin.

Eric:

But you know, it all leads to basically this moment where we get to talk about basically what your services are like, how we met, why I'm so excited about this and it did come at a time where Dayton Barns kind of was pivoting to this metal building. You know, I had figured out advertising, I figured out how to sell a building, you know, in Idaho, without taking somebody's hand, and but there was this missing piece in our business, which was how can someone buy something that costs $30,000? You know, a rent to own payment would be like $4,200 a month or something wild. So in walks and I guess you know I'd like to hear what you have to say basically about you know how we met, cause I think in order to paint this full picture we've got to share with the listeners, you know, like okay, how does Dayton Barns and Joel and J Money team, how do they know each other? And so I guess let's kind of go quick and we'll jump in there with questions, and Jared obviously jump in too. But kind of tell us how.

Eric:

What was on your heart? Yeah.

Joel Oney:

Yeah, yeah, that's. That's fantastic, that's a good place to start is how we met.

Joel Oney:

I'll get into my background in a minute, but I think to Eric's point. One of my favorite sayings is that the world comes to those who put themselves out there and steel buildings. If you're in banking, like I was for 25 years, or if you're just like Katy here, who introduced herself to me at a banquet and now is a part of our team the world comes to those who put themselves out there. I was in the Dayton area, I'll say on business about. I guess it's been a little more than three years ago and probably nearly four years ago now, and it was a business meeting that didn't turn out all that great. And so, as I was driving back to Columbus, I was thinking to myself I got to do something that's going to make this drive to Dayton a productive drive, and so I just was about maybe 10 miles back towards Columbus. I thought you know what I'm going to Google and just see what I can find for top shed dealers and metal building dealers in the Dayton area, and the first name that came up was Dayton Barns and All Steel Buildings.

Joel Oney:

And so I got off the next exit, turned around and went back to Weber Heights and said I'm going to make a great day out of this somehow, and pulled in and met Eric and his colleagues at the time, which was a small team in a small office, and we got to talking about mostly rent to own, because that's mostly what we did at that time was rent to own at J Money. But it was pretty quickly shortly thereafter that we decided, yeah, there's some better products that we can bring to this space. And then it evolved into the financing products that we bring to the space today. So that was kind of how we met and I just dropped in and we just started talking and that's the genesis of this great relationship.

Jared :

I think that's a Go ahead, Eric.

Eric:

I was going to say, you know, when you get JW. So, to paint the picture, it's JW who you guys will meet, if you don't know him already. Not you guys, but listeners, it's me, JW, who are talkers, super talkers, if you will. And then Joel comes in and he's got this solution and JW and I at that time was shopping. We weren't shopping heavily, but we were looking for potentially a different wood partner because it was slowing down and I think the time frame that Joel was talking about was probably September, October of 22. So, we was slowing down for the busy season in a couple months and maybe was thinking about and so not only was Joel a finance solution, but he also helped us bring on our next wood manufacturer, which was a close friend of his and, yeah, man, that worked out great too as well.

Joel Oney:

Yeah, you never know how the relationships that you have with others, because this individual had told me probably, I don't know a few weeks before I met you guys that he was looking for someone to help distribute his wood barns and you guys are looking for a manufacturer, and so again the world comes to those who put themselves out there.

Eric:

Yeah, and I think more importantly did we. We gained a wood, obviously a wood dealer, but you know, more importantly than all, that man, a good advisor for the business and, honestly, it's a good friend with a lot of wisdom. And so, Dayton Barns has benefited wildly from just the presence of you and our relationship. I think at that meeting in September, October 22, I think, the sentence was said if you can, if the J Money team can provide a way to finance a metal building quote, we will sell you a million dollars worth of buildings.

Eric:

And um, I think that might have been paraphrased or something, but um, it wasn't but that's really close, I'm sure 14 months later, um, we had a meeting in Columbus over, uh, fish and chips, I think, and, and you had you, you were ready to, to, to bring us that solution and, and gosh, we piloted it and it worked out so great. And that was, I think, from a timeframe perspective, that was over two years ago now that we've been doing that. And so, Jared, not sure if you want to steer that kind of part of the conversation, but I'm not sure if you want to steer that kind of part of the conversation, but I was just going to reiterate.

Jared :

I was going to reiterate I think that it is extremely valuable information.

Eric:

Again. We present a call to action every week, at least I think you're echoing?

Jared :

Am I echoing? All right, let me do some checking here. How's that? How's, how's live editing? All right, there you go, okay, so I think, I think, I think, uh, where I come into this is the call to action piece I. I try to touch base with you guys every week on something that we do here at Dayton Barns, as you know, as part of the steel kings podcast is a motivation for you guys listening to take something away from what we're saying. I can't echo enough.

Jared :

And one thing that I think we skipped over just a little bit and I've been doing this for a while with Joel always make if you're on a business trip or you're on the way to somewhere and something's not working out, maybe look for a backup plan. Never shy away from an extra stop on your road trip, because I can tell you, Joel and I have been in North Carolina, we've been in Missouri, we've been kind of all over the place over the last couple of years, he and I, and I can tell you we've cold called on a couple folks, we've door knocked. We've not necessarily been welcomed everywhere, but you know what, it's not deterred us from it and I can tell you we're going to get into the nuts and bolts of what's built this relationship, but this podcast right here, not just from a marketing and advertising standpoint, this podcast doesn't exist without that meeting that Joel had with Eric. So, understanding that and saying to yourself, the domino effect, the snowball rolling down the hill, how much has happened, not only in Eric and I's life. Right, I mean, we've probably become better business partners because of Joel.

Jared :

I think I make the joke all the time he's the godfather for Dayton Barns, right, he's the much wiser counsel, he is the counsel, you know, the advisor for Dayton Barns. He has been an advocate for us and you know, when you brought us the financing solution, our business really changed. At that point we had stopped focusing so much on wood sheds, we were really getting into the market for metal buildings and people need options specifically related to buildings that are over twenty five thousand. Tell us, you know kind of, how you got there, Joel. Tell us how the process came to be, if you could.

Joel Oney:

That's a really good, really good question. It's like well, how did this all evolve? And I'll go back just even a year or two farther. Before I met you all, we had some folks that I knew that were really good friends, that were looking for some solutions to bring their product to the marketplace and some financing for those products, you know, and mostly in the wood barn space, but also in steel buildings mostly in the wood barn space, but also in steel buildings. And so, we started exploring rent to own and we put together a rent to own company and next thing we knew we had hundreds of buildings across seven states on rent to own contracts, and so that expanded really rapidly, especially during COVID, and that's how our relationship started with you all as well was through the rent to own.

Joel Oney:

But really we discovered very quickly and with my background in banking I was in banking for 25 years, you know my leadership roles in the banking world were always about trying to find solutions for various types of financing needs or solutions for the financial institutions that I worked for so real quickly realized that there was a lot of things that didn't fit rent to own really well, and one of those was steel buildings, because they're, you know, to some extent a little bit of a challenge to take down, depending upon the complexity of the building and to repo that building.

Joel Oney:

But also, just the size of the buildings were getting much larger and you know we needed a product that could have some longer terms, maybe some lower interest rates and things like that. But then I think the other thing too is that there was just some people that had decent credit scores in the steel building space that wanted a better solution than rent to own something that was a little more affordable for them, a little bit, I guess, better matched with their good credit scores. And so, with all that said, we said you know what we're going to go search the face of the planet.

Joel Oney:

We're going to find some solutions, and we dip our toe in with a lot of different solutions and struck out here and there, but in the end we found some solutions that that work well for the shed space and for the steel buildings, um, and much larger, larger buildings. You know, I think, eric, before we got the call, you said you did one this week for sixty thousand dollars for us. So yeah, that's really was. We were just looking to find solutions for our friends and this is where we ended up today and to piggyback off that like, like and Katy, we want to hear from you too.

Eric:

We're not trying to hog the microphone but, uh, I don't want to touch before passing back over to Jared the 60k building. So, like, I just want to talk track like the customer. I knew who the customer was. I I believe the person would probably still buy the building, probably a smaller one.

Eric:

The thing that getting into the details of like what they're getting, the, the wide range in the choosing of what kind of plan you are, you know, just knowing where they're at in their financial like, uh, existence, is like it's helpful for me because I know the product line that you guys offer.

Eric:

So it's like it's easy for me to understand like what probably I could pitch to them like as a good solution before then making the decision.

Eric:

And, um, I think one of the no, the no money down options is super helpful because I think, especially on a bigger building like that, where the down payment could end up in five figures, like it's nice for them to know like, hey, that actually could be a significant portion of our concrete work that they can just utilize now from a cash flow perspective and like they don't even have a bill for you know some time period, and so I just want to kind of piggyback that.

Eric:

So, the large one. Otherwise, there's a couple customers that I've had that probably would not have bought the building. If you know, we're talking top tier, like towards an 800, where, oh crap, I don't owe money for six to 12 months, like that's a huge benefit for having a great credit score. So, there are many ways it's not just providing that kind of low payment for a 20K building. There are the upper echelon customers like you're bringing them to the table because you're offering something better than typically a bank could even offer certainly and ultimately, with a good financing solution, you'll do two things you'll sell more.

Joel Oney:

You'll sell more buildings and you'll sell more expensive buildings. Yeah, those are the things you get people across the finish line with payments. Yeah, yeah, they might even. They might even say, hey, I'm a cash buyer, you know. But getting them to part with that cash is another thing. Right, and you know they might also be thinking well, we got Johnny's tuition coming up this winter. We've got to replace the car. You know, we've got this other expense coming up. Maybe we'd like to keep our cash back, just for some liquidity. You get a lot more folks across the finish line if you can offer a competitive payment plan. Plus, you can just sell larger projects too. It's a proven fact. If you have financing, you can just sell bigger buildings.

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Jared :

I think we have a really unique opportunity here because I think up until just a couple years ago, this was something that was not really in the marketplace at all in our industries and I think that this is something that, as we get more versed and we get more folks on board, these are going to be additional opportunities that come down the road with. You know, if metal buildings and wood sheds become an even bigger market for someone like J Money, there's all kinds of opportunities that come from that, right, Joel.

Joel Oney:

Yeah, yeah, all kinds of opportunities, for sure. And you know you mentioned the name of our company, j Money, and for those that don't know me, that's, my nickname is J Money and that's how we ended up naming the business. My initials are Joel, middle initials M and then last name's Oney, and so in 25 years in banking I would sign my name J M Oney and eventually it just became J Money. And so, when we were sitting one evening trying to figure out how to name the company it took us about 30 seconds Andrea, my better half, looked at me and she says just use your nickname. I thought, oh, okay, yeah, and it stuck. And so we didn't go on some big exploratory journey with a branding company or anything like that about how or what to do with a name. We just used my nickname. So that's where the name Jay Money comes from. So just for a, little background.

Jared :

Sometimes it's just right in front of you, Joel. Sometimes the obvious decision's just right there in front of you. I think the thing that I like the most about working with you on this particular project the metal building financing, the woodshed financing it's so easy to use and there's so many options for us on the dealer level that don't cost us any money. Let me reiterate that to you there are a lot of opportunities here that don't cost you any money and give your customers a beautiful opportunity to have something that might be on an RTO, significantly more expensive for them, on a monthly payment. And a lot of those customers that have worked and scraped and scrounged to have those good credit scores don't necessarily want to take an RTO monthly payment.

Jared :

You know, Joel, I think you've taught me a lot about suggestive selling, making customers. Like you said, you can take a $20,000 building cash and turn it into a $35,000 building financed Customers. All the time they are payment happy. They would be happy. Hey, I'm happy with a $400 a month payment. What can I get for $400 a month? Well, let's talk about it. What have you seen, Joel? I know we're not your only. You've got gosh. Dozens and dozens of clients at this point them, but just to speak a little bit about the rent to own, and I think that there's still a great spot for rent to own, especially on the smaller buildings.

Joel Oney:

And the thing about rent to own I always tell folks the reason it's a little more expensive is because the customer has all the flexibility in the world. Right, it's not something that's going to be on their credit report, it's a month-to-month contract. On a rent-to-own contract, Someone can at any point in time say you know what I really don't want?

Joel Oney:

this building anymore or I'm moving. Can you please come pick it up right? And so, for that flexibility, you know you get a little higher payment right for that flexibility, and so that's really what you're paying for is to rent that building month to month and with that flexibility of a rental contract versus a loan. If you said to the bank OK, Mr. Banker, I really don't want this building anymore, I'm moving, can you? You know, can I stop making my loan payments? Now They'd say no, you need to keep making your loan payments. And so, I just wanted to draw some distinctions between rent-owned, because I don't want to come away by disparaging the rent-owned. For a lot of folks, rent-owned is a great answer, and for a lot of people selling it's a great answer, and so I think that I want to underscore that. But the financing just gives you some things that the rent-to-own can't provide, and so that's why we went and found this just additional solution for the marketplace. So, Katy, I don't know, you tell me, what else would you have to say about that?

Katy:

Yeah, we've got over 70 merchants now that we work with and of course Dayton Barns and you know, sometimes we'll have a customer say that they're struggling with getting some deals over the counter. But once they start offering that financing up front, up early, they get a lot more deals over the counter.

Jared :

I do think it's a really good complimentary piece and I'm glad you brought that up the counter. I do think it's a really good complimentary piece and I'm glad you brought that up, Joel. I do think that you know. Obviously, I want to give you know our weekly shout out to our partners over at Sheds Direct. Those guys do a great job. They have a really nice in-house RTO program, but we also utilize J Money on the financing side of that with Wood Sheds and I think that that transition, that really nice balance between the two, because there are some folks that you know obviously are not going to qualify for financing and that's a discussion that can be sometimes difficult. But when you have that backup option where it's like, well, you know, I can't get you the financing, unfortunately, but I can get you a really aggressive rent to own product, that hey, good news is you're going to be approved for and we can start that right away. How's that sound? I think that's really the transition that you're talking about, right, Joel?

Joel Oney:

Yeah, I think so.

Joel Oney:

I think that there's going to be a place for the rent-to-own for a long, long time, and just wanted to underscore that piece of the conversation.

Joel Oney:

But you're right, as simple as it is to do the prequalification with the platforms that we offer, a person can go down that road and check that out first real easily with a soft credit pool, and it's just a simple thing to work into your sales process, completely paperless and easy and efficient. And I think that those are some of the things that, eric, when we first started on this path, we were like looking at must haves. It had to be paperless, had to be fast, had to have a soft credit pool kind of pre-qualification, and had to be real easy to work into your sales process and all these things. It had to have at least a few options that were free for you to offer, which, Jared, you spoke to as well. But then also, you know, if we had some promo rates that we could use, you know, to defer some payments or do some interest-free programs, you know those are nice options to have as well. And so, yeah, all of that, I think, was what evolved out of some of the early conversations that we have with you guys.

Eric:

Yeah, I think overcoming obstacles in the sales process. I think I hear the question do you guys offer financing Without looking at a spreadsheet? Because it's probably somewhere I'm going to assume it's between a third and a half Everybody asks that question, probably within the first chunk of conversation, like that first initial. If they're chatting back and forth, I would say that's probably one of the number one lead time. And then do you guys offer financing? Because they want to know is this something I can bring my wife or my husband? And if yes, what are the? What are the details on it? And then you have overcoming obstacles within that. So, if it's yes, we do offer it.

Eric:

Then it's trying to figure out okay, what is your credit worthiness? And then what is it that I can offer? Because I think what you just said those promos gosh, they're great. It might cost a little bit 2% or 3% off of like but without getting into too many details, I mean it's something you can offer as a, as a give back to the customer. Like, hey, you don't have to necessarily take this free one. You know that's probably for maybe a lower tier on the credit score. You know, someone with a higher tier is probably going to expect a little bit more, and you can overcome that obstacle just basically by knowing what you guys offer, so that you can give you know. Hey, how about this set you know, and it doesn't. You'll lose the customer if you don't.

Jared :

So so anyway.

Jared :

I think I want to piggyback on what you just said, eric, because I think for the people that don't ask the question, I think having it in your arsenal to tell them, hey, I can get you this building today on a payment of a few hundred dollars a month, I think that extra trick in your bag of toys is probably a really good play. I mean, I use that a lot. I would say probably a third to a half of the customers that I personally interact with will come at me and say, hey, do you guys offer financing? What can I do on a payment with? Will come at me and say, hey, do you guys offer financing? What can I do on a payment? That other half I'm almost always leading in with hey, your total's this and your payment could be this and we can get you right now with no money down and go from there.

Jared :

And I think that you cannot put a value on that, Joel. I mean, like I said, well, I guess you can put a value on it. It's about $5 million in sales. I mean that's the value, right? I mean that is the value proposition is that is almost $5 million in sales that Dayton Barns has produced over the course of about two years or so that we've been doing it and I mean that is a crazy number, Joel. I mean that's a. That is a crazy number, Joel. I mean that is that is. You know, that's 20% of our gross sales, something like that Right, Eric.

Jared :

I mean that's. That's a crazy number.

Eric:

Perspective is I've done a hundred K of prequels in the past week, so and and normally, if you get them if you get them pre-called and it's green and they know what they can have.

Jared :

Like that close rates probably 75 percent like, unless they just flat out most of you at least so.

Eric:

But I was going to share this because I was talking about, like, how you, like there are times and this is no, uh, this is from a humble perspective, but like wood dealers out there and metal building dealers, like when you have j money on your team, here's what you can do. I took a fate, a Facebook phone number. I called the customer in Arizona, wrapped with them for an hour. We eventually hopped on a google meet. So I was face to face with them. I did a pre, quoted the building, did a pre-qual with them. They signed the paperwork and they gave me their credit card info for a cash down payment and I got off the phone. I literally took in one phone call, took them from not knowing me or us to quoted the building. Now we're face to face.

Eric:

This guy and his wife comes in and they got a pre-qualified right there on the spot, didn't even hang up, but I just sent them the link and they and I've refreshed it, they had it send them the document. I mean wham, bam, you know, 2500 bucks later, dude, I mean and I remember I got off I sent a message to our corporate chat on our back end system. Like I'm like you guys can't touch me. I'm like you know I was bragging about the sales. You know how I did. I you know I'm like. I'm like I literally just solved this person's problems in one hour. That guy did not have a building ordered and then he had it all done and figured out like in 90 minutes. And I'm like why would you not use j money? I mean like to me, like you are foolish I agree with you, yeah I think it's

Joel Oney:

the ease of use.

Jared :

It's the ease of. It's the ease of use, though.

Katy:

Yeah, I mean really yeah, go ahead, Katy yeah, you touched on a few more perks of the platform right there the pre-screen feature. You can get someone's first and last name and their address and you can know if they're pre-qualified before even talking to them. And since he's in Arizona, you can even text email the application over to them if they don't feel comfortable, you know, giving their social over the phone or something like that. You can text your customer their apple application. They have it in their hands and they log into the platform through an app to make all their payments. It's very easy to use.

Jared :

I think that's. My favorite part of the platform is that I can be on the phone with a customer and I don't have to collect any personal data from that customer, and they can get a credit card basic. It's basically a credit card, right? It's a? It's a purchasing power. Let's say it that way, right, Joel? That's how I would describe it that's probably gives you.

Joel Oney:

Probably it is a term loan, yeah, so which is very different. It's a credit card, but it does it gives you correct, correct what it does yeah.

Jared :

So, you've got to now. You've got now a purchasing power with that customer to say, man, you're not only approved, but you're approved for this amount of money. Oh well, you know what's that going to be? On a monthly, you get all these tools in your portfolio to be very dangerous with. And again, another call to action for today you can't have too many tools, you cannot have too many tricks, because sometimes customers are going to hit you with well, how much is that going to cost me per month? And if you're not using the right financing product or if you're not in control of the end bag which we've used I mean, eric, we've used some other financing products. So, I'm going to, you know, I'm going to let those guys be themselves, but I can tell you they don't give you the tools and they don't give you the control that you get with J Money. That's for sure, not even close.

Joel Oney:

And I'm going to touch on something that Eric said too. He said well, I was helping to solve someone's problem, and I think that's what we do in life, right, if we do enough of that. You help people solve the problems for storage, buildings and sheds. We helped our customers solve their problems for needs for financing. You referred to me as the godfather of your business. That might be a bit of an overstatement.

Joel Oney:

I'm just a simple country boy that grew up on a dairy farm in northern Ohio. My older brother took over the dairy farm, so I had to find something else to do in life. So, I went into banking and was in banking for a lot of years. But that's what I've done all my life is just help people solve their problems through financing solutions, and that's what you guys are doing with buildings. You know, and even when I met Katy I'll let you talk about when you and I met I was in need of some help and Katy put herself out there, sat down next to me at a 4-H Foundation banquet. Katy, tell a little bit about that story, about how we met.

Katy:

Yeah, so I guess it's been about a year now, almost on the dot. They invited me to come up to this banquet and meet some of the foundation members. I was next to Joel and I got to stop talking to him for a while. He talked about his 25 years in banking and I shared my puny little four years in banking and we got to start talking through that. And then I told him a little bit about my business in West Virginia where I was building some tiny homes. So we kind of matched up perfectly on what he was doing and I wasn't necessarily shopping for a job but he stole me.

Eric:

It's a good guy to sit next to at a banquet.

Katy:

Right, it worked out really well. I got free dinner.

Eric:

You're leaving with something.

Katy:

Exactly. I did not expect that.

Joel Oney:

I'm leaving with something, yeah yeah, I, I think I I said something, maybe right on the spot, that was along the lines of uh, would you want to work for me?

Katy:

yeah, while we were sitting there. Yep, beautiful.

Joel Oney:

You know, I don't think the world comes to those who put themselves out there and try to help others. You know so. I don't think the world comes to those who put themselves out there and try to help others, you know.

Jared :

I don't think you know a stranger though, Joel, to be honest with you. I mean I've shared meals with you, we've hung out, we've done trade shows together. I don't think you don't know anybody. I mean you know everybody, right.

Joel Oney:

I think there's a lot of people I don't know out there, but I've never met a stranger. I guess is the thing.

Jared :

There you go.

Joel Oney:

There you go, just like you guys. You know you guys have gotten ahead in life too by, you know, putting yourselves out there with a lot of strangers. You know, and I think if you, if you do that enough in life, it makes life so much more not only successful but rich. You know your life is rich with all these connections that you have. And had I just gone to this banquet and sat in the corner and not had a chance to sit with Katy, or vice versa, who knows my life would not be nearly as rich today. Or if I hadn't have made that U-turn on Interstate 70 and gone back and visited Dayton Barns to try to make some success out of a day in Dayton, you know where would life be today? Who knows, it might be someplace different, but it definitely wouldn't be as rich as it is now.

Jared :

I talk about that all the time because it's singular moments that create lifetime results. I know I'm trying to come up with cliches right now, but these moments, you know, in time, where one thing goes one way versus another and all of a sudden I'm standing in an office space with 15 employees and I'm selling metal buildings and woodsheds across the United States. With I mean somebody who's impacted my life in a way that I can't even express to you, right, and that came about because I bought a metal building. I bought the metal building from Eric and my life changed.

Jared :

One singular moment in time created lifetime results and I think for you know, for Eric it was, you know, moments in his life, Joel. It was moments in your life, Katy, moments in your life, you know where impact from other people that you might not have gave a chance to. You know what I mean. You might've passed it up and I think I can't stress enough. You're listening to this podcast or watching us. Because of those singular moments in time, a couple of dominoes fall a different way, and we're not even doing this together, which would be a real shame because I'm having such a good time doing it.

Katy:

Well said, I hate public speaking, I hate schmoozing. I don't want to go to a banquet and talk to people. I hate it. But I went outside of my comfort zone and, like you're saying, you don't grow unless you're outside of your comfort zone. So, like you're saying, you don't, you don't grow unless you're outside of your comfort zone. So here I am today. Amen.

Jared :

I can tell you. I can tell you that you've impacted the J Money team quite a bit in the year that you've been there. I mean, it's you know. So, we're going to talk a little bit. So, I want to wrap up right now. This is this is going to be a two-parter, based on our time, because I want to talk more to you guys next week on the podcast. So, what we're going to do now I'm just going to tie this up really quick with a loose bow. Check out the team over at jay money. If you haven't picked up on that on this call, believe me, we're going to have another one next week. We're going to get into the nuts and bolts of how the j money team created the steel kings podcast with our partner over there at shed, geek Shannon, and we'll talk a little bit more about financing options. Eric, what are you thinking, brother? What's your, what's your end message for this week?

Eric:

and we'll go around the circle my, my end message is that if you're a shed dealer or a metal building dealer and you are maybe hesitant about bringing on another solution because you're being stoic like I'm knocking you in the head virtually currently and say wake up, because there is a solution out there that we've mastered it, you know so. So, if you're not using j money and you and you want some finance options and maybe you're a little hesitant about it, reach out to Joel or Katy and, of course, reach out to Jared or I too. You guys know it's Jared at Dayton Barns and Eric at Dayton Barns If you want some info or how things are going our way, you are foolish to not bring them on. And what a better time. It's February 17th in Ohio. You've got about a month before it starts heating up, so it's a good time to try to get out there.

Jared :

You're going to hear this podcast. You're going to hear this podcast basically one month from when it was recorded. Okay, so let me give you that heads up right now, guys, if you're hearing us which I know you are because you're listening contact the guys at J Money, which I know you are because you're listening. Contact the guys at J Money.

Jared :

Money 19377 J Money. They are here to help you on your financing metal buildings, wood sheds. If you're a contractor, hit those guys up, Joel.

Joel Oney:

Katy, you got anything? Before we say goodbye for

Joel Oney:

this week, I just am thankful for the day that I met you guys You've enriched my life and happy to do the same for you guys as well.

Katy:

Katy yeah, get outside your comfort zone, give me a call, give me an email. We can have you.

Jared :

offering financing within a week Sounds good. Guys. We're going to talk to the J Money team again next week on the Steel Kings podcast. I'm Jared, he's Eric. We're the Steel Kings. We'll talk to you guys later. Have a good week.

Eric:

Let's go.