KC Modular Buildings · Finance Options
Modular Building
Finance & Leasing
Spread the cost of your modular building with structured finance, leasing, or hire-purchase routes — subject to lender approval. We confirm the best-fit procurement route once your system, specification, and delivery scope are defined.
ⓘ Availability and eligibility depend on lender assessment, credit approval, and confirmed specification. KC Modular Buildings is not a lender — finance is arranged through approved third-party partners.
Why Clients Trust KC Modular Finance Guidance
Scope-First Process
We define your system (ISO Frame, bespoke steel, or timber), exact size, specification, and delivery scope before any finance route is explored — ensuring accurate, realistic monthly costs.
No guesswork. No inflated estimates. Spec drives the quote.
Procurement-Safe Guidance
KC Modular Buildings is not a lender. We provide structured guidance only — finance is arranged through approved third-party partners. Eligibility depends entirely on lender assessment and credit approval.
Transparent. Compliant. No hidden obligations.
Fast, Qualified Response
Typical quote response within 48 hours (Mon–Fri). Every enquiry is reviewed by our commercial team — not an automated system. Call 01782 561 110 for immediate guidance.
Human-reviewed. No chatbots. Direct line to decision-makers.
Flexible Procurement Routes
Purchase, finance, lease, or hire — four distinct routes tailored to your budget, project timeline, and accounting requirements. Hire-to-buy and phased delivery options available for qualifying projects.
3–7 year terms typical · Asset finance via approved partners.
ⓘ KC Modular Buildings does not provide consumer credit or personal finance. All finance arrangements are subject to status, lender approval, and confirmed project specification. Certifications verified via Constructionline and ISO.org.
The Business Case
Why Finance Is Used on Modular Projects
Modular building projects often require predictable monthly costs to unlock internal approvals, preserve working capital, or align capital expenditure with operational budgets — while still delivering usable space quickly and to a confirmed specification.
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Monthly Budget Alignment
Spread capital cost into predictable monthly payments aligned to operational use — supporting internal budget approval and cash flow planning.
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Scope-Confirmed Costing
Finance routes are only explored once system type, module count, specification, and delivery scope are fully confirmed — ensuring realistic, lender-ready figures.
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Working Capital Preservation
Retain liquidity for core operations while still delivering permanent or relocatable modular space on programme — particularly valuable for SMEs, education, and public sector clients.
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Speed Without Full Upfront Cost
Modular builds deliver usable space in 8–16 weeks from order. Finance allows projects to proceed at pace without waiting for full capital release.
ⓘ Specifications, costs, and finance eligibility vary by site conditions, compliance requirements, lender assessment, and confirmed project scope.
Our Process
What KC Modular Does
We prepare a detailed quote pack that defines system, specification, module count, and full delivery scope — giving you and your lender a clear, accurate basis for finance assessment.
Define Scope & Specification
System type, module dimensions, internal layout, compliance requirements, and delivery logistics confirmed in writing.
Issue Detailed Quote Pack
Full itemised quotation with system spec, lead time, payment schedule, and certification documentation — lender-ready format.
Explore Finance Routes
Purchase, lease, asset finance, or hire-purchase options introduced via approved third-party partners — subject to credit approval and lender assessment.
Manufacture & Deliver
90% factory-completed modules delivered and installed UK-wide. Typical lead time 8–16 weeks from confirmed order.
Quick Facts
8–16 wks
Typical build & install
3–7 yrs
Typical finance terms
48h
Quote response (Mon–Fri)
4 routes
Purchase · Lease · Finance · Hire
Lender-Ready Documentation
What a Finance-Ready Quote Pack Includes
Every KC Modular quote pack is structured to give you — and your lender — a complete, auditable basis for finance assessment. Six core elements are defined before any monthly cost is calculated.
Element 1
Defined System
ISO Frame, Bespoke Steel Frame, or Timber Frame — selected based on project requirements, site constraints, and intended use. System choice directly affects finance structure and asset valuation.
Element 2
Defined Size & Layout
Total footprint (m²), module count, floor plan intent, and storey configuration. Sizes range from 15m² single units to 2,000m²+ multi-module programmes — all confirmed before costing.
Element 3
Defined Specification & Scope
Internal fit-out level, MEP (mechanical, electrical, plumbing), insulation specification, window and door schedule, flooring, and all inclusions itemised — KINGSPAN QuadCore, GEBERIT sanitary, and heat pump options where applicable.
Element 4
Delivery & Logistics
Delivery postcode, site access assessment, cranage and HIAB requirements, ground conditions, and any transport restrictions — all factored into the quote to avoid hidden costs post-approval.
Element 5
Compliance Pathway
Project-specific compliance route documented where applicable — including Part L 2021 (energy), Part B (fire), Part M (accessibility), structural certification (ISO 1090), and sector-specific standards (NHS, education, public sector).
Element 6
Timeline & Programme
Target manufacture window, installation date, and any phased delivery requirements documented. Typical lead times: 8–12 weeks (ISO Frame) to 12–16 weeks (bespoke) from confirmed order.
ⓘ All quote packs are prepared to lender-ready standards under ISO 9001 Quality Management. Compliance pathways reference UK Building Regulations (Part L, Part B, Part M). Specifications and costs vary by site conditions and project requirements.
Three Build Systems · One Finance Process
Choose Your Build System
All three systems can be adapted for offices, welfare units, showrooms, classrooms, healthcare, hospitality, and residential accommodation. Finance assessment is always scope-first — system type, module count, and confirmed specification drive the monthly cost, not the other way around.
Volumetric Steel
ISO Frame System
Factory-built volumetric steel modules designed for repeatable, fleet-style deployments. Stackable to three storeys, ISO 1090 & ISO 3834 certified, with 90% factory completion for rapid on-site installation. Ideal for commercial offices, welfare units, and multi-unit programmes.
Finance suitability: Well-suited to asset finance and hire-purchase due to standardised module values and strong resale characteristics.
Engineered Flexibility
Bespoke Steel Frame
Fully engineered bespoke modular buildings designed to your exact brief — up to 13.5m × 4.0m per module (subject to site access and transport logistics). KINGSPAN QuadCore panels, Part L 2021 A-rated energy performance, and custom layouts for education, healthcare, commercial, and public sector clients.
Finance suitability: Typically financed via lease or structured asset finance. Bespoke specification confirmed before any finance assessment begins.
Accommodation-Optimised
Timber Frame System
C24 structural timber frame modules and chassis formats optimised for holiday parks, glamping resorts, residential annexes, and leisure accommodation. TÜV & NCC certified to EN 1647 and BS 3632. Triple-glazed, Rockwool-insulated, and available fully furnished with GEBERIT sanitary systems.
Finance suitability: Hire-to-buy and lease options available for park operators and leisure developers. Multi-unit programmes supported.
ⓘ All three systems are manufactured under ISO 9001 Quality Management and comply with UK Building Regulations (Part L 2021, Part B, Part M). System suitability for finance depends on confirmed scope, lender assessment, and project value.
Indicative Finance Figures · Subject to Lender Approval
Lease Examples — From £/Month
The figures below are indicative examples based on typical ISO Frame module sizes and standard specification. All monthly figures are subject to lender assessment, confirmed specification, agreed term, deposit, and applicable fees. Final costs are issued only after full scope confirmation.
Important: These examples are provided for budgeting guidance only. KC Modular Buildings is not a lender. Finance is arranged through approved third-party partners and is subject to credit approval, status, and confirmed project specification. Figures shown assume standard ISO Frame specification — bespoke, timber, and multi-storey projects are quoted individually.
| Module Size | System | Typical Use Case | Approx. Floor Area | From £/Month | Notes |
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| 6.0m × 2.4m | ISO Frame | Compact site office, security cabin, welfare unit | 14.4m² | £179.99 |
Scope dependent
Entry-level single-module. Fit-out level and inclusions affect final figure. |
| 6.0m × 3.0m | ISO Frame | Office with storage, welfare unit with WC, meeting room | 18.0m² | £309.99 |
Scope dependent
Additional width allows desk layout + storage or partitioned welfare spec. |
| 6.0m × 5.0m | Bespoke | Multi-desk office, open-plan welfare, showroom unit | 30.0m² | £469.99 |
Scope dependent
Versatile footprint — suitable for partitioned or open-plan commercial layouts. |
| 12.0m × 6.0m | Bespoke | Multi-room building, classroom, large welfare complex | 72.0m² | £1,199.99 |
Scope dependent
Largest standard ISO Frame footprint. Multi-room layouts and full MEP available. |
| Bespoke Steel | Bespoke | Education, healthcare, commercial, public sector | 15–2,000m²+ | POA |
Quoted individually
Specification confirmed before any finance figure is issued. Up to 13.5m × 4.0m per module. |
| Timber Frame Lodge | Timber | Holiday park, glamping, residential annexe, leisure | 40–100m² | POA |
Quoted individually
TÜV & NCC certified. EN 1647 & BS 3632. Hire-to-buy available for park operators. |
Table Assumptions
✓ Standard ISO Frame specification
✓ Indicative 5-year lease term
✓ Subject to deposit and arrangement fees
✓ UK mainland delivery assumed
✓ Credit approval and lender assessment required
✓ Final figures issued post scope confirmation
ⓘ Final monthly figures are published only after confirmation of term, deposit, fees, and inclusions, subject to lender approval. Finance arranged via approved partners only. KC Modular Buildings does not provide consumer credit. See UK Building Regulations and Constructionline for compliance and accreditation details.
From Enquiry to Keys · Typical 8–16 Weeks
Finance Pathway in 6 Steps
Every finance-supported modular building project follows the same structured pathway — scope confirmed first, finance assessed second, manufacture third. No monthly figures are issued until Steps 1–3 are complete.
Step One
Define Use Case
Confirm the primary use case — office, welfare, classroom, healthcare, showroom, retail, or accommodation. Use case determines compliance pathway, fit-out level, and system suitability.
Step Two
Select Build System
Choose from ISO Frame (volumetric steel, stackable, fleet-ready), Bespoke Steel Frame (up to 13.5m × 4.0m, fully engineered), or Timber Frame (TÜV & NCC certified, accommodation-optimised). System drives asset value and finance structure.
Step Three
Confirm Scope & Specification
Full fit-out level, MEP (mechanical, electrical, plumbing), insulation grade, window and door schedule, flooring, and all inclusions confirmed in writing — KINGSPAN QuadCore, GEBERIT sanitary, heat pump options where applicable. Scope drives the lender-ready quote.
Step Four
Issue Quote Pack
Full itemised quotation issued in lender-ready format — system spec, module dimensions, compliance pathway, lead time, payment schedule, and certification documentation. Typical response within 48 hours (Mon–Fri) of scope confirmation.
Step Five
Finance Assessment
Quote pack submitted to approved third-party finance partners for lender assessment. Eligibility is subject to credit approval, status, and confirmed specification. KC Modular Buildings provides the scope documentation — the lender makes the credit decision independently.
Step Six · Final Stage
Manufacture, Deliver & Install
Finance confirmed, order placed. 90% factory-completed modules manufactured to confirmed specification, delivered UK-wide by HIAB, and installed on programme. Typical lead time 8–12 weeks (ISO Frame) or 12–16 weeks (bespoke) from confirmed order.
Indicative Programme Timeline
Day 1
Enquiry received
48 hrs
Quote pack issued
1–2 wks
Finance assessment
Wk 2–4
Order confirmed
Wk 4–14
Manufacture
Wk 8–16
Delivery & install
ⓘ Timeline is indicative. Actual programme depends on confirmed specification, site readiness, lender assessment timescales, and delivery logistics. Finance subject to credit approval via approved third-party partners. See UK Building Regulations for compliance reference.
Real Projects · UK-Wide Delivery
Project Examples
Real contexts help validate scope and route selection. Each project below followed the 6-step finance pathway — use case confirmed first, system selected second, quote pack issued within 48 hours.
Commercial modular context — ISO Frame system selected for speed of delivery and stackability on a constrained commercial site.
Site constraints & access example — scope defined around restricted delivery access and operational continuity requirements.
Scope definition for finance packs — full itemised specification produced within 48 hours to support third-party lender assessment.
Finance Routes · Side-by-Side
Which Route Fits Which Scenario?
Four procurement routes available across all three build systems. Route selection depends on budget structure, ownership preference, and project timeline.
| Route | Often Suits | Notes |
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Purchase
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Ownership & long-term control — full asset on balance sheet from day one | Capital available |
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Asset Finance
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Spreading cost over 3–7 years — preserves working capital while securing the asset | Subject to approval |
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Lease
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Predictable monthly budgeting — fixed payments with no large upfront capital outlay | Term confirmed by lender |
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Hire
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Short-term requirements — ideal for temporary site offices, welfare, or event accommodation | Availability dependent |
ⓘ Terms, eligibility, and availability depend on lender assessment and confirmed specification. KC Modular Buildings does not provide consumer credit. Finance is arranged through approved third-party partners. See UK Building Regulations for compliance reference.
Sectors & Use Cases
Finance Is Commonly Used For
Asset finance, lease, and hire-to-buy routes are available across all primary modular building use cases. Pathway eligibility is confirmed at Step 5 of the finance process.
Offices
Commercial office space and admin buildings — ISO Frame or bespoke steel frame, Part L 2021 compliant, A-rated energy efficiency.
Welfare
Site welfare, toilets, changing and canteen spaces — GEBERIT sanitary, KINGSPAN insulation, DDA-accessible layouts available.
Education
Expansion classrooms and support buildings — BB93 acoustic compliance, Part L 2021, fire-rated FD30/FD60 doors, 8–12 week delivery.
Hospitality
Bars, cafés and event buildings — bespoke steel frame, custom kitchen fit-out, commercial-grade ventilation, KINGSPAN QuadCore envelope.
Accommodation
Lodges and park units with monthly budgeting — TÜV & NCC certified timber frame, EN 1647 / BS 3632 compliant, 75-year lifespan.
Public Sector
Procurement-led projects (pathway dependent) — ISO 9001, Constructionline Bronze, SSIP, and Acclaim certified. Framework and call-off procurement supported.
ⓘ Finance pathway eligibility is confirmed at Step 5 of the 6-step process. Use case, build system, and full specification must be confirmed before lender assessment. Subject to credit approval via approved third-party partners. View the 6-step process →
England · Scotland · Wales · UK-Wide
UK-Wide Support
KC Modular Buildings delivers and installs modular buildings across the full UK mainland — England, Wales, and Scotland. Extended coverage to UK islands, Northern Ireland, and selective mainland Europe is available by quotation for large or bespoke projects.
Large or bespoke projects only. Subject to site access, logistics, and programme feasibility assessment.
UK-wide
Mainland delivery
HIAB
Crane-lift delivery
48 hrs
Quote turnaround
8–16 wks
Typical programme
ⓘ Full delivery and installation is provided across England, Wales, and Scotland. Extended coverage to UK islands, Northern Ireland, and selective mainland Europe is available by quotation for large or bespoke projects. Site access, ground conditions, logistics, and programme feasibility are assessed at enquiry stage. City rotation governance applies across the wider site.
ISO 9001 · ISO 1090 · Constructionline · SSIP
Quality & Compliance Proof
Lenders and procurement teams require documented evidence of manufacturing governance. KC Modular Buildings holds a full suite of certifications supporting finance assessment, procurement workflows, and building regulations compliance.
Traceability and inspection governance supporting procurement confidence. All manufacturing processes are documented to ISO 9001, ISO 1090, and ISO 3834 standards.
Why This Matters for Finance
Defined scope and evidence-led governance reduce uncertainty during lender assessment. A certified manufacturer with documented processes gives finance partners the confidence to proceed.
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Clear scope definition supports finance packs Full itemised specification issued in lender-ready format within 48 hours of scope confirmation.
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Documentation supports procurement workflows Constructionline Bronze, SSIP, and Acclaim certifications accepted across public sector and framework procurement.
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Project-specific compliance pathway Building Regulations Part L, B, M, and F compliance confirmed per project — not a generic template.
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Structural certification for asset valuation ISO 1090 & ISO 3834 steel certification supports asset finance valuation and lender due diligence.
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10–15 year structural warranty Warranty documentation provided with every project — steel/timber frame 10–15 years, panels/roof 5–10 years, windows/doors 5 years.
Full certification documentation is available on request as part of the quote pack. See Constructionline and ISO 9001 for independent verification.
Common Questions · Finance & Procurement
Finance FAQs
Answers to the most common questions about modular building finance routes, quote packs, and procurement timelines.
Do you offer finance for all building types? +
Finance routes can be explored for ISO Frame, Bespoke Steel Frame, and Timber Frame projects. Eligibility and terms are subject to lender assessment and confirmed specification. Use case and build system are confirmed at Steps 1–2 of the finance pathway before assessment begins.
Can you show “from £/month” examples? +
Indicative examples can be provided once scope, system, and term are confirmed. Final monthly figures depend on lender assessment, confirmed term (3–7 years), deposit, fees, and inclusions. No monthly figures are published without a confirmed specification — this protects you from misleading estimates.
What do you need to prepare a finance-ready quote pack? +
To prepare a lender-ready quote pack we need:
- →Use case — office, welfare, classroom, healthcare, accommodation, etc.
- →Preferred system — ISO Frame, Bespoke Steel, or Timber Frame (if known)
- →Size & layout — approximate floor area or module count
- →Site postcode & access notes — for HIAB delivery feasibility
- →Desired timeline — target on-site date or programme start
Is delivery and installation included in finance? +
This depends on the confirmed scope and finance structure. HIAB delivery and installation can be included in the financed amount — inclusions are defined clearly in the quote pack before any monthly figures are modelled. Typical delivery cost: £2,750 HIAB + £16,500 installation (ISO Frame example, subject to site and specification).
How long does the finance assessment take? +
Once the quote pack is submitted to the lender (Step 5), assessment typically takes 1–2 weeks. The full process from initial enquiry to confirmed order is typically 2–4 weeks. Manufacture begins after order confirmation — 8–12 weeks for ISO Frame, 12–16 weeks for bespoke.
What is the minimum project value for finance? +
There is no fixed minimum order quantity — single units and prototype projects are fully supported. Finance suitability depends on lender criteria, not on KC Modular Buildings’ minimum order policy. Typical single-unit projects range from £25,000–£100,000; larger programmes from £500,000–£2,000,000+.
Do you offer hire-to-buy on modular buildings? +
Yes — hire-to-buy is available on ISO Frame units. This allows you to begin with a hire arrangement and transition to ownership. Terms, deposit, and conversion conditions are confirmed at the quote stage. Hire-to-buy is particularly suited to contractors and commercial clients who need immediate deployment with a path to ownership.
What payment terms apply to a standard purchase? +
Standard payment terms for a direct purchase are:
- → 40% deposit on order confirmation
- → 55% prior to delivery
- → 5% within 14 days of installation completion
Milestone payments, framework call-off, and deferred delivery payment structures are available for larger or phased programmes. No consumer credit or personal finance is offered.
ⓘ Finance is arranged through approved third-party partners. KC Modular Buildings does not provide consumer credit. All terms, eligibility, and monthly figures are subject to lender assessment and confirmed specification. See UK Building Regulations for compliance reference.
Next Step · Start Your Finance Pathway
Ready to Price Your Monthly Route?
Send your brief and we’ll prepare a quote pack that clarifies system, size, and delivery scope — then finance routes can be explored (subject to approval).
ⓘ Availability and eligibility depend on lender assessment and confirmed specification. Finance is arranged through approved third-party partners. KC Modular Buildings does not provide consumer credit.
Include in Your Enquiry
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Use case Office, welfare, classroom, retail, healthcare, or accommodation
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Preferred system ISO Frame, Bespoke Steel, or Timber Frame (if known)
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Approx size + rooms Floor area (m²), module count, or room schedule
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Site postcode + access notes For HIAB delivery feasibility and logistics assessment
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Target timeline Desired on-site date or programme start window