Merchant Fund Express
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Inventory Funding for Concrete Contractors

Stock rebar, forms, mesh, admixtures and sealers before the job starts. Funding from $25,000, sized mainly on your bank deposits.

Stock My Yard

Concrete Materials & Inventory

Keep crews pouring, not waiting on supply runs

Materials are paid for long before the GC pays you. We help cover the stock you need so jobs start on time.

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.

Materials funding made simple

Quick start

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

Room on credit

FICO scores from 500 are considered, alongside the steadiness of your deposits.

The real cost up front

You see the full repayment amount in your offer before you accept. No surprise costs after signing.

Predictable repayment

The repayment schedule is laid out in your offer, so you can match it to job payouts.

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.

Materials get paid for before the pour does

Ready-mix usually arrives with its own terms, but plenty of what a concrete contractor uses sits in the yard or on the truck first: rebar and dowels, wire mesh, form boards and steel forms, vapor barrier, expansion joint, curing compound, sealers, admixtures, anchors and saw blades. Inventory funding for concrete contractors lets you keep that stock on hand so a crew is never standing around waiting on a supply run.

Why contractors buy ahead

Supplier pricing

Steel and some specialty products swing in price. Buying a larger lot when the price is right can protect your margins on bids you have already submitted.

Big job starts

A warehouse slab, a parking structure deck or a run of commercial foundations may need more rebar and forming material in a month than your yard normally holds in a season.

Avoiding delays

When a supplier is backordered, the contractor with stock on the shelf keeps pouring. The one without it loses days.

Decorative and specialty work

Stamped, stained and polished concrete use colors, release agents, stamps and sealers that cost real money up front.

Picking the right structure

For a one-time stock-up, working capital is straightforward. If you restock all season, a line of credit lets you draw for each supplier order. Some contractors use revenue-based financing so repayment follows the deposits that each job produces. Every offer shows the full repayment amount and schedule before you accept.

The amount you can get depends mainly on your deposits and existing obligations. For illustration: a contractor who runs all GC and customer payments through one account gives funders a cleaner read than one with deposits spread across several accounts.

Getting it done

Apply in about 5 minutes with roughly 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. Qualified businesses can be funded in as little as 24 hours. Apply today and get the yard stocked.

Frequently Asked Questions

Can I use this for ready-mix bills?

Yes. Funds can cover any materials your business needs, including ready-mix invoices that come due before the GC pays you.

Do I need supplier quotes to apply?

They help you request the right amount, but the offer depends mainly on your deposits and existing obligations.

Is inventory funding the same as equipment financing?

No. Equipment financing is for machines like pumps, mixers and loaders. Inventory funding covers consumable materials and stock.

Can I buy materials for a job I have not won yet?

You can, but it adds risk. Most contractors buy ahead for work that is signed or for standard materials they use on every job.

What credit score do I need?

FICO scores from 500 are considered. Funders also weigh how steady your deposits are. Learn more on how concrete contractors qualify.

How soon can materials money arrive?

Qualified businesses can be funded in as little as 24 hours after approval.

Rebar and dowels $42,000.00
Steel forms $56,000.00
Sealers, stains $25,000.00
Ready-mix bills $64,000.00

Example uses for illustration only.

How to improve your chances

These steps make a materials request easier to approve and size.

  • Collect current supplier quotes or price sheets
  • Match purchases to signed jobs where you can
  • Route all job payments into one account
  • Track materials already sitting in the yard

Materials funding: us vs. a bank

Merchant Fund Express
Traditional bank loans
Documents
About 3 months of bank statements
Tax returns, WIP reports
Credit
FICO 500+ considered
Higher scores usually needed
First check
Soft pull to start
Hard pull common
Speed
As little as 24 hours if qualified
Several weeks
Application
About 5 minutes
Long forms and meetings

Stock up and keep the schedule

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

Apply for Funding
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