What we finance, and who funds it
We arrange modular and portable building financing through major Canadian banks and specialised leasing institutions. Site offices and construction trailers, modular classrooms and clinics, workforce accommodation and camps, multi-unit modular commercial buildings, and washroom, kitchen and utility modules all qualify, new or used. Delivery, crane set, skirting and the connection work that makes the building usable can be carried inside the same structure, because a module sitting on a trailer is not yet an asset doing anything.
Built in a plant, which changes the payment timeline
Modular construction front-loads cost. The manufacturer builds to a production slot and expects progress payments while the units are still on the factory floor, months before the building is occupied and earning. Financing can be staged against that schedule so the deposit and progress draws are covered during fabrication and the full payment schedule starts at occupancy. Conventional construction spreads its cost across a site; modular concentrates it in a plant, and the financing has to account for that.
Relocatable means it holds value
A modular building can be moved. That mobility is why the sector exists and it is also why these assets finance well: the unit retains a resale and re-lease market that a poured foundation never has. Terms can be set against the real service life of the structure, and operators who own units outright can use sale-leaseback to fund the next deployment. Where a building serves a defined project window, the structure can be matched to that window instead of outliving the need.
Speed is usually the point
Most modular projects exist because the conventional timeline did not work: enrolment moved, a crew arrived, a lease expired, a site opened. Financing should not be the step that reintroduces the delay. Applications above $250,000 require financial statements; below that the paperwork is lighter, and we tell you what the file needs before it goes in. Send us the building and the site it is going to, and we come back with real terms.
