Concrete contractors: Funding Guide, Cash-Flow Calendar and What Fits

How money moves in a concrete contractor

At Merchant Fund Express, this guide sets out how the money moves in concrete contractors, when cash gets tight and which funding structures tend to fit each need.

A concrete contractor can be profitable and still have an empty account on a Thursday. Reading the two sides of that equation is the first step in choosing the right capital.

Money arrivesProgress payments from general contractors and homeowners, usually after milestones are inspected.

Bills go outMaterials, trucks and crews are paid before each pour is invoiced, and general contractors commonly pay 30 to 60 days after billing.

When cash gets tight

Active in warm months, slow in freezing weather and heavy rain.

The right capital depends on which gap you are actually filling. Here is the usual pattern of pressure for a concrete contractor:

Before the busy stretch: line up materials and crew for a large pour and the staffing the demand will need.

Through the middle: Taking multiple jobs with long-held retainage and no cash reserve.

After the peak: fixed costs keep running while sales settle, so the balance of the year is funded from the peak or from a line.

What a concrete contractor usually needs capital for

These are the needs we see most often, with the structure that tends to fit each one.

Materials and crew for a large pour

Usually fits: a working-capital advance or line of credit.

A mixer truck, pump or forms

Usually fits: equipment financing.

Retainage held until job completion

Usually fits: a bridge advance.

What underwriters read on a concrete contractor bank statement

Underwriting for revenue-based business funding reads bank activity: deposits, average daily balance, negative days and any open advances. For a concrete contractor, the lines that matter are:

Large, irregular deposits from a few general contractors

Fuel and materials debits that precede deposits

A flat, steady balance rather than a swing to zero between deposits

The usual trap: taking multiple jobs with long-held retainage and no cash reserve. If this is your situation, say so on the application; it is better read as context than discovered as a surprise. See the published requirements for the exact thresholds. The minimum FICO is 500, and the better your credit, the better your offer.

A worked example (illustrative arithmetic only)

Take a concrete contractor with about $90,000 in monthly revenue asking for $60,000. These figures are an illustration of how the published terms work, not an offer; your offer shows the actual amount, schedule and total cost before you sign.

Illustration	Figure
Request	$60,000
Monthly revenue assumed	$90,000
Line of credit: 2.49% fee on a single draw of that size	$1,494
Term loan cap: 15% of annual revenue	$162,000 (this request fits under it)
Merchant cash advance at an example 1.30 factor: total payback	$78,000
… spread over about 26 weeks: weekly remittance	$3,000
… or about 126 business days: daily remittance	$619

Compare any offer on total dollars repaid and on the rhythm of payments, not on a single rate. See the factor-rate calculator to run your own numbers.

Pick the page that matches your problem

Every page below is written for concrete contractors. Start with the problem you have this month.

By product

Merchant cash advance for concrete contractors — A lump sum repaid from future revenue; the fastest route when timing is the problem.

Business line of credit for concrete contractors — Draw when you need it, repay, and draw again; interest only on what you use.

Working capital for concrete contractors — Day-to-day cash for payroll, suppliers and the gaps between invoices and deposits.

Revenue-based financing for concrete contractors — Payments that flex with sales, so a slow week is not a missed payment.

Equipment financing for concrete contractors — Buy or replace the machine that earns its keep, with the asset behind the deal.

Bad-credit business loans for concrete contractors — How files with a weak score are read, and what offsets it.

Same-day funding for concrete contractors — What same-day decision and next-business-day funding mean in practice.

Line of credit vs merchant cash advance for concrete contractors — A side-by-side for this industry when you are choosing between the two.

By situation

Payroll funding for concrete contractors — Cover wages while deposits catch up.

Inventory funding for concrete contractors — Stock up before the demand arrives.

Expansion funding for concrete contractors — A second location, crew or line of business.

Equipment repair funding for concrete contractors — Fix the machine that is costing you every day it is down.

Emergency funding for concrete contractors — Money fast when something breaks or a bill lands.

Slow-season funding for concrete contractors — Bridge the quiet months without cutting staff.

Big-contract funding for concrete contractors — Fund the work before the first invoice is paid.

Cash-flow guide for concrete contractors — How cash actually moves in this business.

Eligibility and the basics

Does a concrete contractor qualify? — Eligibility, how files line up, and a worked example.

Concrete contractors funding by state and city — The same industry, state by state.

Do you fund concrete contractors? — The short answer.

What credit score do concrete contractors need? — The short answer on credit.

Common questions

Are concrete contractors eligible for funding?

Yes. Concrete contractors are an eligible industry. Sole proprietors can apply, the minimum FICO is 500, and the better your credit, the better your offer. Details are on the concrete contractor qualification page. Merchant Fund Express shows the exact amount, schedule and total cost in your offer before you sign.

How fast can a concrete contractor be funded?

A person reviews your revenue, time in business and bank activity, and a decision is typically same day. Approved files are usually funded the next business day. Merchant Fund Express publishes its terms and thresholds before you apply.

Which product usually fits a concrete contractor?

It depends on the need. For materials and crew for a large pour, a working-capital advance or line of credit tends to fit; for a mixer truck, pump or forms, equipment financing. The structure follows the problem, so start from what the money is for.

What do you look at on a concrete contractor bank statement?

Deposits and their consistency, average daily balance, negative days and NSFs, and any open advances. Large, irregular deposits from a few general contractors.

Concrete contractors: how the money moves, and what funding fits.