Merchant Fund Express
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Expansion Funding for Concrete Contractors

Add a crew, own your pump, open a yard or move into commercial work. Funding from $25,000 to $5,000,000 based on the business you run today.

Grow My Business

Concrete Business Expansion

Take the next step without draining the operating account

Concrete grows in steps, and each step costs money before it pays. We size offers around your current deposits so you can grow on solid numbers.

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.

Expansion funding that fits contractors

Fast with minimal paperwork

Five-minute application and about three months of statements. Funding in as little as 24 hours if qualified.

Credit flexibility

FICO scores from 500 are considered. Steady deposits from GCs and customers weigh heavily.

Clear on cost

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

Plan the payback

The repayment schedule is laid out in your offer up front so you can budget the expansion.

Payroll before sales come in?

Fast decisions. Applying takes about 5 minutes.

Apply Now

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.

Growth in concrete is lumpy

Concrete businesses rarely grow in a smooth line. They grow in steps: a second crew, then a pump so you stop renting one, then a bigger yard, then commercial work that needs bonding capacity and more cash on hand. Each step costs money before it earns any. Expansion funding for concrete contractors is designed for those steps, sized around the business you run today.

Expansion moves we help fund

  1. Adding a crew: hiring, training, a crew truck and a full set of tools.
  2. Owning your pump: a line pump or boom pump in place of rental fees, through equipment financing.
  3. New service lines: decorative, polishing, curb and gutter, or sawcutting, each with its own tools and materials.
  4. A bigger yard or shop: deposits, fencing, storage and maintenance space.
  5. Moving into commercial work: more working capital to carry larger jobs between draws.
  6. Buying out a partner: funding to purchase a business partner's share as you take the company in a new direction.

How offers are sized

We look mainly at your deposits and existing obligations. Projections are useful for your planning, but the offer is anchored in what your business has actually deposited. For illustration: a contractor with steady deposits and few other obligations may be able to fund a crew and a truck together, while a contractor already carrying several payments might stage the expansion over two rounds.

Working capital covers hiring, yard costs and job carrying costs. A business line of credit helps if you want reserve capacity for growing jobs. The offer shows the full repayment amount and schedule before you accept.

Ready to apply?

The application takes about 5 minutes. You will need about three months of business bank statements; no tax returns are required. We start with a soft credit pull and consider FICO scores from 500. Sole proprietors can apply. Funding ranges from $25,000 to $5,000,000, and qualified businesses can be funded in as little as 24 hours. Apply now.

Frequently Asked Questions

Can I fund a new crew before the work starts?

Yes. Offers are based on your current deposits, so you can hire and equip a crew ahead of the jobs it will run.

Should I buy a pump or keep renting?

Compare monthly rental spend against the repayment schedule in an equipment financing offer. If you rent often, owning frequently makes sense, but run the numbers for your workload.

Will a backlog of signed jobs help?

It helps you plan and explains the request, but the offer depends mainly on deposits and existing obligations.

What credit score do I need?

FICO scores from 500 are considered. Funders weigh credit alongside how steady your deposits are. See how concrete businesses qualify.

Is there a revenue minimum?

We do not state a hard revenue minimum. We work with established businesses that have steady deposits.

Can I combine equipment and working capital?

Many contractors do. Equipment financing for the machines and working capital for hiring and yard costs can be set up together.

New crew + truck $140,000.00
Line pump $95,000.00
Polishing gear $48,000.00
Yard and shop $110,000.00

Example uses for illustration only.

How to improve your chances

Contractors who expand well usually tighten a few things first.

  • Track crew costs and job margins by job
  • Keep all job deposits in one business account
  • Compare rental spend with owning before buying
  • Grow in stages if current payments are heavy

Expansion funding: us vs. a bank

Merchant Fund Express
Traditional bank loans
Based on
Your current deposits
Collateral and projections
Documents
About 3 months of bank statements
Tax returns, WIP, business plan
Credit
FICO 500+ considered
Strong credit usually required
Speed
As little as 24 hours if qualified
Weeks to months
Range
$25,000 to $5,000,000
Varies by bank

Build the next stage of your company

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

Apply for Funding
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