How FYNX works
A finance process designed around modular and prefab construction — not retrofitted from traditional lending. The steps below apply to both individual homeowners and property developers, with differences noted where they matter.
Five stages from enquiry to completion
Tell us about your project
Start with a conversation. We'll learn about your project — the land, the build method, the manufacturer, the timeline.
This can start online or with a phone call. We'll ask about your land, your chosen manufacturer, and your financial position.
For developers: we'll also discuss the capital structure, presale position, and delivery timeline across your project.
We assess the fit
FYNX reviews your project against our modular-aware credit framework. We look at the site, the build structure, the manufacturer's track record, and your financial position.
If your chosen manufacturer is in our accredited network, the process is faster via FYNX Accelerate.
For multi-dwelling projects, we assess feasibility, delivery risk, capital stack, and exit strategy through a modular lens.
Structured approval
We structure a finance package around your specific delivery milestones — not generic bank stages. Off-site manufacture, transport, installation, and completion each have their own draw schedule.
For homeowners, this typically means a single loan covering land (if needed), factory, delivery, and completion.
For developers, we can structure across the capital stack: senior debt via FYNX Develop, mezzanine and equity via FYNX Stack.
Factory and site funding
As your project progresses, FYNX releases funds at verified milestones. Factory completion, dispatch, delivery, craning, and service connection — each step triggers the next draw.
Digital milestone verification keeps things moving without waiting for slow site inspections.
For multi-dwelling projects, draw controls track both factory production across modules and parallel on-site works.
Completion and settlement
Once the home is installed, connected, and certified, your construction finance converts to a standard arrangement.
Clean handover from construction loan to standard home loan.
For developers, we support exit through presale settlement, refinance, or residual stock finance.
Funding milestones that match your build
Traditional lenders use 5 generic stages. FYNX supports a richer milestone model tailored to off-site construction — tracking value creation from the factory floor to practical completion.
Start with a conversation
No obligation. No pressure. Just a straight conversation with someone who understands how modular construction finance works.