Industry
The deposit patterns, seasonality and timing that decide how funders read a file from a Canadian business in concrete contractors.
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Short answer: Concrete contractors are equipment-heavy and seasonal, with pours concentrated in warmer months, progress billing and statutory holdbacks. Funders read progress billings, holdbacks and existing equipment financing. Typical requests are forms, a pump truck, payroll during mobilization or winter heating for cold-weather pours.
Key facts
Related: Business Funding by Industry in Canada: 91 Guides · Business Funding Requirements in Canada · Documents Needed for Business Funding in Canada · Revenue-Based Financing in Canada: How It Works · Funding Readiness Score Canada: Free 30-Second Check
Concrete contractors are equipment-heavy and seasonal, with progress billing and holdbacks.
Pours are concentrated in warmer months; winter work needs heating and costs more.
A short advance suits equipment and mobilization.
A concrete forming and finishing company depositing about $160,000 a month asks for $55,000 for forms and a second pump truck. At a 1.2 factor the payback is $66,000, a cost of $11,000. Over roughly 6 months that is about $524 per business day, or close to 7% of monthly deposits.
Every figure on this page is illustrative arithmetic in Canadian dollars. It is not an offer, a quote or a promise of approval.
Concrete firms bill progress draws monthly with holdbacks retained. Equipment and payroll are heavy. A reviewer reads the season.
Statutory holdbacks under provincial construction legislation, such as 10% in Ontario, delay a share of every payment.
Whatever the trade, the review is built on the business's own bank statements: how much arrives, how steadily, what is left after fixed costs and how the account is managed through a slower stretch. A short note that names your busiest and quietest months, any one-off deposits and what the money is for usually answers the follow-up questions before they are asked.
A strong concrete file shows a booked season, not just a good last year: signed contracts or purchase orders for the coming months, a clear record of progress billings being paid, and equipment that is either owned or financed on known terms. Contractors who can show how they carried last year's holdbacks, and when those holdbacks were released, answer the biggest question a reviewer has about cash between pours.
Reviewed by the Merchant Fund Express team on October 12, 2026. Official pages checked as of that date.
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Educational information only. It is not legal, tax or accounting advice.
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