Why Lenders Don't Understand Modular—Yet

from Built Different · host Spring Street Management Group

Why don't traditional lenders understand modular construction financing?Construction lenders are set up for site-built projects. They inspect progress in the field and release draws based on what they can see. Modular flips that model—and most lenders aren't ready for it.Topics covered:Why traditional draw schedules don't work for modularHow factory deposits create cash flow mismatchesWhat lenders need to get comfortable with modularThe inspection and collateral challenges unique to off-site productionFor developers, capital partners, and lenders structuring modular financing.Built Different is produced by Spring Street Management Group. New episodes drop weekdays at 6 AM Pacific.]]>

What this episode covers

Why construction lenders struggle with modular financing and what the industry needs to standardize.

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Why Lenders Don't Understand Modular—Yet

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This episode is 4 minutes long.

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This episode was published on January 26, 2026.

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