Why concrete contractors in Missouri qualify
Concrete contractors are classified under Poured Concrete Foundation and Structure Contractors, which is an eligible category. That takes industry off the table and leaves the same four things every file is read on: average daily balance against revenue, time in business, negative days and NSFs, and existing positions. Commercial and specialty trade work is eligible. New residential construction is restricted.
The cash-cycle problem
Progress billing on 30-60 day terms with material and labour paid well before the draw lands.
In Missouri that usually means capital goes to mixers, pumps, forms, crew expansion, materials for a signed contract.
Weather-dependent; northern states lose winter months entirely.
What applies in Missouri
Missouri funds normally on every tier — no extra restrictions apply.
Most of this activity sits around Kansas City, St. Louis, Springfield and Columbia.
Vermont, North Dakota and South Dakota sit outside the lending area on every product. California and New York carry extra restrictions on the revenue-based tier.
State contractor licensing applies in most states. Licensing is not a funding threshold here, but an expired licence shows up in diligence.
Missouri has a real winter of two to three slow months, which shortens the trough for concrete contractors without removing it.
Storm restoration work arrives without notice and demands materials and crews immediately, against claims that settle later. That gap between spend and settlement is the single most common reason a file like this needs capital.
The published thresholds
Tier 1: 650 FICO, 3 years in business, $300,000 a year or $25,000 a month, 8+ monthly deposits.
Tier 2: 600 FICO, 6 months in business, $60,000 revenue, $800 minimum daily balance.
Renewal: 550 FICO, 2 years in business, once 50% of the original balance is repaid.
There is no hard credit cutoff here. The 650/600/550 tiers are product criteria, not a floor on the business. Scores in the 500s are placed routinely, and files in the 400s are read on revenue, deposit consistency and time in business rather than on the score alone.
Questions
Do you fund concrete contractors in Missouri?
Yes. Concrete contractors are classified under Poured Concrete Foundation and Structure Contractors, which is an eligible category . Commercial and specialty trade work is eligible. New residential construction is restricted.
What credit score is needed?
There is no hard credit cutoff here. The 650/600/550 tiers are product criteria, not a floor on the business. Scores in the 500s are placed routinely, and files in the 400s are read on revenue, deposit consistency and time in business rather than on the score alone.
How fast can funding arrive?
Same-day decision and next business day funding on a complete file — the application plus three months of business bank statements.
What if revenue is seasonal?
Weather-dependent; northern states lose winter months entirely. Underwriting reads the average and the deposit count, not the peak month.