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You've done everything right. You've secured the land. You've got your entitlements. Your construction lender is ready to fund. And you've found a factory that can deliver your modular project faster and cheaper than stick-built. There's just one problem: the factory needs a deposit — and your bank won't touch it. If you've ever tried to get a construction lender to fund modular factory deposits, you already know how this conversation ends. The answer is always no. And it's n