Mortgageable, financeable, leasable. Every Capsul home qualifies for standard residential mortgages once installed — and there are personal-loan, construction-finance, and bulk-procurement paths in between.
Once your Capsul is installed on a permanent foundation with a Certificate of Occupancy, it qualifies for standard residential financing — same as a stick-built home.
Standard conventional mortgage for owner-occupied or investment residential. Capsul homes engineered to IBC qualify.
Lower down payment and broader credit eligibility. Available for owner-occupied Capsul homes meeting HUD standards.
For eligible veterans and active-duty service members. No down payment, no private mortgage insurance, competitive rates.
For USDA-eligible rural and semi-rural locations. Income-qualified borrowers, no down payment required.
One loan funds the build and converts to a permanent mortgage on Certificate of Occupancy. Used by buyers building on land they own.
Capsul's BOPAS accreditation makes our homes mortgageable through the major UK high-street lenders — a critical credential for modular.
For ADU, guest house, and primary-residence Capsuls priced under $150K, personal loans can be faster than mortgage and don't require a permanent-foundation Certificate of Occupancy to fund.
Truist Bank's online personal-loan division. Fast funding, no fees, terms 2–12 years. Good to excellent credit required.
Licensed in 48 US states. Specialises in modular, ADU, and tiny-home purchase and construction loans.
Member-focused lender with strong online experience. Terms 2–7 years. ~680+ credit minimum.
More flexible credit criteria — works with ~580+ credit. Good option for ADU or guest house builds at lower spend.
UK lender specialising in non-standard construction finance, including modular and self-build mortgages.
UK specialist lender for borrowers and projects that don't fit high-street templates. Useful for ADU/granny-flat conversions.
For data-centre operators, construction principals, energy projects, government agencies, and disaster-recovery partners — Capsul operates under framework agreements with locked per-unit pricing and milestone-based payment.
Sign once. Draw down units as your project schedule requires. Per-unit pricing locked at framework signature — protected against later market movement.
50% deposit unlocks production. 50% balance due before shipping. Same payment cadence at any volume — no surprise terms at scale.
Capsul currently operates a 5,000-unit framework with a UK enterprise client. 2,400 sold, 200 in production. Procurement terms available under NDA.
Capsul works with foundations, government agencies, and disaster-recovery partners on emergency-housing deployments. Engagement under public-procurement or NGO frameworks.
Tell us your country, your build, and your stage. We'll come back with the most relevant lender pathway and an introduction where applicable.
Designed in Chicago · ISO-9001 production · Capsul-employed QC · Certified to your local code · 10-year warranty backed by Capsul