Cover winter overhead, keep your key finishers and get ready for spring pours. Funding from $25,000, sized mainly on your bank deposits.
Plan My Off-SeasonConcrete Slow Season
Weather slows pours, but trucks, insurance and good people still cost money. We help you bridge the dip based on how your business really deposits.
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.
Five minutes to apply plus about three months of statements. Funding in as little as 24 hours if qualified.
FICO scores from 500 are considered. Your seasonal deposit pattern is read in context.
Your offer shows the full repayment amount before you accept. Nothing extra shows up after you sign.
The repayment schedule is spelled out in the offer so you can weigh it against your spring workload.
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.
Cold temperatures slow curing, frozen ground stops excavation and long rainy stretches wash out pour schedules. In much of the country, concrete work thins out for part of the year, while the truck payments, insurance, yard rent and your best finisher's expectations do not. Slow-season funding for concrete contractors is about getting from the last fall pour to the first spring slab with your crew and equipment intact.
Most contractors know the obvious costs. The ones that hurt are the quiet ones:
Funders reviewing a concrete business expect the seasonal pattern; it shows clearly in your bank statements. What helps is a clear plan for the money and a repayment schedule that fits your slow months. Before accepting, look at the schedule in your offer alongside your expected spring workload. The full repayment amount is shown before you sign.
A line of credit is a natural fit if you want to draw only what each slow month needs. Working capital works when you know the total ahead of time. Our concrete cash flow guide walks through building an off-season budget.
Many contractors apply near the end of their busy season, when recent deposits are strongest. The application takes about 5 minutes and needs 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 here.
Applying while your recent deposits reflect busy months tends to give funders a fuller picture. You can still apply mid-winter; funders look at the overall pattern.
Yes. Servicing mixers, pumps, saws and trucks in the off-season is a common use. For a full replacement, equipment financing may fit better.
Mainly by your deposits and existing obligations. For illustration, two contractors with similar annual volume can get different offers if one already carries several payments.
Yes. Buying forms, rebar or sealers ahead of the season is a reasonable use, especially if a supplier offers better pricing for early orders.
No. FICO scores from 500 are considered alongside your deposit history.
Then you may need less than you planned, which is a good problem. Size the request to the costs you are confident about rather than the worst case, and remember that a line of credit only charges for what you draw. Either way, review the schedule in your offer against the work you have lined up.
Example uses for illustration only.
Contractors who get through winter comfortably usually do a few things first.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding