Merchant Fund Express
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Equipment Financing for Concrete Contractors

Own the pump, trowel or screed you keep renting. About three months of bank statements, no tax returns, funding in as little as 24 hours for qualified businesses.

Price My Equipment

Concrete Equipment Financing

Stop paying rent on machines you use every week

If a rental shows up on every job ticket, it may be time to own it. We review deposits and lay out the full cost and schedule before you accept.

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.

Financing built for concrete gear

Fast and light on paperwork

A 5-minute application and about three months of statements. No tax returns. Funding in as little as 24 hours for qualified businesses.

More than a credit score

FICO 500+ considered with a soft pull to start. Your job deposits matter.

Every cost up front

The full repayment amount is shown before you accept, and no surprise costs appear after you sign.

A schedule you can plan with

Payments are laid out in the offer up front, so you can set them against expected job revenue.

Ready to see your numbers?

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.

Renting forever gets expensive

Plenty of concrete outfits start by renting the big pieces: a line pump, a ride-on trowel, a laser screed. That makes sense early on. But once you are renting the same machine every other week, the rental bills start to look like payments on equipment you will never own. Equipment financing lets you put that machine on your own yard and spread the cost over a schedule you can see in advance.

What concrete companies finance

New or used, the question is the same: will the machine earn its keep through more pours, fewer rental bills or faster crews?

How we review an equipment request

We look at about three months of business bank statements to see the deposit pattern and existing obligations. The application takes about five minutes, we start with a soft credit pull, and FICO 500+ is considered. No tax returns required. Sole proprietors can apply.

Your offer shows the full repayment amount and the schedule before you accept. Nothing gets tacked on after you sign.

Doing the math, for illustration

Take a flatwork contractor renting a ride-on trowel about ten days a month. Add up a year of those rental invoices and compare it with the total repayment on a financed trowel. If owning wins and you have steady work for it, financing is worth a look. If the machine would sit idle half the year, keep renting.

For repairs instead of purchases, see concrete equipment repair funding. For broader growth plans, check concrete expansion funding.

New, used or a mix

There is no single right answer. A new boom pump brings a warranty and fewer surprises; a well-kept used trowel can earn its cost back sooner. Many concrete owners finance the high-wear, high-use machines new and pick up support gear used. Whichever route you take, line up the repayment schedule in your offer against the jobs that machine will work, and make sure the busy months carry the slower ones.

Before you shop

Get a written quote from the dealer or seller, including model, year and hours for used gear. Know how the machine will be used and on which jobs. Then apply in about five minutes and we will work from your deposits.

Frequently Asked Questions

Can I finance used concrete equipment?

Yes, used machines are common requests. Have the seller's quote with year, hours and condition ready.

How much can I finance?

Funding ranges from $25,000 to $5,000,000, sized mainly by your deposits and current obligations.

Do I need tax returns?

No. About three months of business bank statements and a short application are enough to start.

How fast can I get the machine?

Funding can arrive in as little as 24 hours for qualified businesses, so delivery timing usually comes down to the seller.

Does credit matter?

It is one factor. FICO 500+ is considered, and we begin with a soft credit pull.

Ride-on trowel $42,000.00
Line pump $95,000.00
Laser screed $140,000.00
Skid steer $58,000.00

Example uses for illustration only.

How to improve your chances

A few steps make an equipment request easier to review.

  • Get a written quote with model, year and hours
  • Show which jobs the machine will work on
  • Keep deposits steady in one business account
  • Compare a year of rentals against ownership cost

Equipment financing: us vs. a bank

Merchant Fund Express
Traditional bank loans
Time to funding
As little as 24 hours if qualified
Often weeks
Documents
About 3 months of statements
Tax returns and financials
Credit
FICO 500+ considered
Strong credit usually expected
Credit check
Soft pull to start
Hard pull common
Application
About 5 minutes
Lengthy paperwork

Put the right machine on your yard

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

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