FICO 500+ considered with a soft pull to start. We look at your job deposits, not just your score. About three months of statements, no tax returns.
Check My OptionsConcrete Funding, Credit Flexible
Late GC payments and floated material costs can drag personal credit down. We review how your concrete business actually performs today.
Amount to request
$85,000.00
Funding range$25K to $5M
*Sample amounts shown. Your actual offer depends on your business and is reviewed before approval.
A 5-minute application and about three months of statements, no tax returns. Funding in as little as 24 hours for qualified businesses.
We start with a soft pull and weigh steady deposits heavily alongside credit.
Your offer lists the full repayment amount up front, with no surprise costs after you sign.
Repayment is laid out in the offer up front, so you can test it against slow months.
Fast decisions. Applying takes about 5 minutes.
A short application. A soft credit pull to start.
We review revenue, time in business and bank activity, not just a credit score.
You see the amount, the schedule and the full repayment amount before you sign.
Funding in as little as 24 hours for qualified businesses.
Concrete is a tough business on personal credit. Owners float materials on personal cards, cover payroll when a GC pays late, and sometimes absorb a job that went sideways. A few rough years can leave a score that does not reflect how the business runs today.
We consider FICO 500+ and look hard at your business bank statements. Steady deposits from real jobs carry a lot of weight in how we evaluate a file.
Credit is one input, not the final word. Here is what else goes into a review:
A lower score paired with clean, consistent deposits reads very differently from a lower score with an overdrawn account.
Depending on the need, concrete companies with lower credit often look at a merchant cash advance, revenue-based financing or equipment financing, where the machine itself is part of the picture. Your offer, whichever product it is, shows the full repayment amount and schedule before you accept.
A credit score looks backward at personal borrowing. Your bank statements show what the concrete business is doing right now. If deposits have been steady for the last few months, with draws from builders landing on a regular rhythm, that is meaningful evidence of how repayment would go. On the other hand, a strong score paired with a thin, erratic account is not an easy file either. We look at both sides, and your offer explains the full repayment amount before you accept, so you can decide with clear numbers.
Want to know more about how funders look at a concrete file? Read how to qualify as a concrete business, then apply when ready.
FICO 500+ is considered. The score is weighed alongside your deposits and existing obligations.
No. We start with a soft credit pull, which does not affect your score.
Tax returns are not required. We start with about three months of business bank statements and a short application.
Yes, sole proprietors can apply. The business deposits are the core of the review.
Funding runs from $25,000 to $5,000,000. The amount depends mainly on your deposits and current obligations, not just your score.
Example uses for illustration only.
Credit takes time to rebuild, but these steps help a file right away.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding