Merchant Fund Express
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Funding for a Big Concrete Contract

Cover crews, rebar, forms and pump rental on a large pour before the first progress payment arrives. Five-minute application, three months of statements.

Fund My Contract

Concrete Contract Funding

Take the bigger job without draining the operating account

A large flatwork or foundation contract front-loads your costs. We fund working capital based on your deposits so mobilization does not wait on the GC's pay cycle.

As fast as
24 hours

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.

Built for contractors with a pour date

Fast decisions, light paperwork

About three months of bank statements and a five-minute application. Qualified businesses can be funded in as little as 24 hours.

Credit is not the whole story

FICO 500+ considered with a soft pull to start. We weigh your steady deposits, not just a score.

Know the full cost first

Your offer shows the full repayment amount before you accept. No surprise costs after you sign.

Repayment you can plan around

The repayment schedule is laid out in the offer up front, so you can match it to your pay apps.

Need capital this week?

Fast decisions. Applying takes about 5 minutes.

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How it works

Apply in minutes

A short application. A soft credit pull to start.

Fast decision

We review revenue, time in business and bank activity, not just a credit score.

Review your offer

You see the amount, the schedule and the full repayment amount before you sign.

Get funded

Funding in as little as 24 hours for qualified businesses.

The gap between signing and the first draw

A big concrete contract is good news with a cash problem attached. The GC wants mobilization within days, the ready-mix supplier wants payment terms honored, and the first progress payment may not land until the slab is poured, inspected and invoiced. Meanwhile you are paying finishers, renting a pump, buying rebar and building forms.

We provide working capital for concrete contractors so the size of the job does not outrun the size of your bank balance.

What contractors usually cover with it

If the contract calls for a new mixer, saw or screed you plan to keep, equipment financing may fit that piece better than a cash product.

How we size an offer around a contract

We look mainly at your business bank deposits over about the last three months and at what you already owe. The contract itself shows where the money is going, but the offer is built on the cash flow your account already shows. That keeps the repayment in line with what the business actually brings in.

Funding ranges from $25,000 to $5,000,000, and qualified businesses can be funded in as little as 24 hours.

What you need to apply

The application takes about five minutes. Expect to provide:

  1. About three months of business bank statements
  2. Basic owner and business details
  3. A sense of how much the job needs up front

No tax returns are required, the first step is a soft credit pull, and FICO scores from 500 are considered. Sole proprietors can apply.

Before you accept any offer

Your offer shows the full repayment amount and the repayment schedule before you sign. Map that schedule against the contract's billing milestones. If the pay app timing is slow, a business line of credit you draw on only as needed may suit better than a lump sum.

Frequently Asked Questions

Do I need to show you the signed contract?

It helps us understand the use of funds, but the offer is based mainly on your recent bank deposits and existing obligations.

Can I use the money for materials and labor on the same job?

Yes. Working capital is flexible, so you can split it across rebar, forms, pump rental and payroll as the job requires.

How fast can a concrete contractor get funded?

Decisions move quickly after you apply, and qualified businesses can be funded in as little as 24 hours.

What if my credit is not perfect?

We consider FICO scores from 500. Credit is one factor; steady deposits matter a great deal.

Is there a minimum or maximum amount?

Funding runs from $25,000 to $5,000,000, depending mainly on your deposits and what you already owe.

Should I use a line of credit or a lump sum for one large pour?

If the costs all hit before the pour, a lump sum of working capital is simpler. If costs spread across several phases of the job, a line of credit lets you draw only what each phase needs and keeps the rest available.

Rebar and mesh $42,000.00
Pump rental $18,500.00
Extra finishers $36,000.00
Form lumber $27,500.00

Example uses for illustration only.

How to improve your chances

A few habits make a big-contract request easier to approve and repay.

  • Keep job deposits in one business account
  • Track each contract's billing milestones in writing
  • Avoid stacking new obligations right before applying
  • Request only what the job's front-end costs require

Merchant Fund Express vs. a typical bank

Merchant Fund Express
Traditional bank loans
Application
About five minutes
Long forms and meetings
Documents
About 3 months of bank statements
Tax returns, financials, projections
Credit
FICO 500+ considered
Usually much higher scores
Speed
As little as 24 hours if qualified
Often weeks
Credit check to start
Soft pull
Hard pull common

Get the crew mobilized on your schedule

One secure application. A soft credit pull to start. No obligation to accept an offer.

Apply for Funding
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