Ready-mix and crews get paid now. GCs pay later. Working capital from $25,000 helps concrete contractors take the next job without draining the account.
See My OfferConcrete Contractor Cash Flow
Concrete work front-loads costs. Funding sized to your deposits can carry you from pour day to payment day, including retainage and weather delays.
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.
Apply in about 5 minutes with roughly three months of bank statements. Qualified contractors can be funded in as little as 24 hours.
FICO scores from 500 are considered. Steady job deposits matter a great deal.
Your offer shows the full repayment amount before you accept, with no surprise costs after you sign.
The repayment schedule is spelled out in your offer, so you can line it up with your billing cycle.
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.
You pay for the pour today and get paid for it weeks later. Ready-mix, rebar, forms, pump rental, fuel and labor all come due around the day the truck shows up, while the general contractor or property owner pays on their own schedule, often with part of the contract held back as retainage until the job closes out.
| Stage | Cash out | Cash in |
|---|---|---|
| Mobilization | Equipment, forms, deposits | Sometimes a small deposit |
| Pour days | Ready-mix, pump, crew overtime | Nothing yet |
| Billing | Office time, lien paperwork | Progress payment, often net terms |
| Close-out | Punch list labor | Retainage release, sometimes much later |
When two or three jobs overlap, those gaps stack. That is usually when concrete contractors feel the squeeze, even in a year with a full backlog.
In colder regions, pours slow or stop in winter, and rain delays can push a whole schedule back in any climate. Fixed costs keep running: truck payments, insurance, shop rent, and key crew members you want to keep. Look at last year's deposits and identify the months when revenue dropped. Planning for those months in advance is far cheaper than scrambling once they arrive.
When a big job needs materials and payroll covered before the first draw, working capital for concrete contractors can bridge it. For trucks, pumps and finishing equipment, equipment financing keeps the purchase off your operating cash. A business line of credit suits recurring gaps between draws.
Funding ranges from $25,000 to $5,000,000. We review about three months of business bank statements, consider FICO scores from 500, and do not require tax returns. Qualified businesses can be funded in as little as 24 hours. Apply in about 5 minutes.
We look mainly at your bank deposits rather than a single contract. A signed job can help explain why you need capital and how it will be repaid.
Retainage itself does not disqualify anything. It does affect your cash timing, so it helps to know what is owed to you and when it is expected.
For a specific piece of equipment, equipment financing is often the cleaner fit. Working capital suits materials, labor and general gaps.
No. We work from about three months of business bank statements.
Seasonal swings are common in concrete. We look at the overall pattern of your deposits, and an off-season dip is something funders expect to see.
Example uses for illustration only.
Contractors who manage these items tend to have smoother cash and stronger files.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding