Merchant Fund Express
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Merchant Cash Advance for Concrete Contractors

Cover mix, pump rentals and crew pay between draws. Three months of bank statements, no tax returns, funding in as little as 24 hours for qualified businesses.

See My Offer

Concrete Merchant Cash Advance

Cash on hand before the next pour

Concrete jobs eat cash early and pay late. We look at your deposits, not a stack of tax paperwork, and lay out the full cost 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.

Why concrete crews apply with us

Quick file, little paperwork

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

Credit is not the whole picture

FICO 500+ considered, soft pull to start. Steady contractor deposits count for a lot.

Full cost shown first

Your offer lists the total repayment amount before you accept, and no surprise costs show up after you sign.

A schedule you can check against jobs

The repayment schedule is in the offer up front so you can compare it with your pour calendar.

Cash flow tight this month?

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.

Why concrete outfits look at a merchant cash advance

Concrete work is front-loaded. You order mix, rent a pump, pay a finishing crew and set forms before the general contractor or homeowner ever cuts a check. When three pours stack up in the same week, the gap between what you spend and what you collect can get wide fast.

A merchant cash advance gives you a lump sum now in exchange for a share of future receivables. Instead of waiting on a bank committee, we look at how money actually moves through your business account and build an offer around that.

What we review

We keep the file short so your office manager is not buried in paperwork during the season:

FICO 500+ is considered, and sole proprietors can apply. The deposit pattern matters most. Steady draws from contractors and repeat customers tell a clearer story than a single credit score.

How repayment fits a pour schedule

Concrete revenue is lumpy. Flatwork booms in warm months and slows when temperatures drop or rain pushes jobs back. Before you accept, your offer shows the full repayment amount and the schedule, so you can lay it next to your job calendar and see if it works. No surprise costs get added after you sign.

If you would rather draw only when needed, compare a business line of credit for concrete or read our line of credit vs. merchant cash advance breakdown.

Questions to ask before you sign anything

An advance is a tool, not a cure. Before accepting any offer, from us or anyone else, run through a few honest checks:

If the answers line up, an advance can keep a busy season on track instead of turning work away.

Common uses we see

When you are ready, start the application. It takes about five minutes.

Frequently Asked Questions

How much can a concrete contractor get?

Offers range from $25,000 to $5,000,000. The amount depends mainly on your monthly deposits and any existing obligations showing on your statements.

How fast can the money arrive?

Funding can land in as little as 24 hours for qualified businesses once the file is complete.

Do I need perfect credit?

No. FICO 500+ is considered, and we start with a soft credit pull. Your deposit history carries a lot of weight.

I am a one-truck finishing operation. Can I apply?

Yes. Sole proprietors can apply as long as the business runs deposits through a business bank account.

Will I know the total cost up front?

Yes. The full repayment amount is shown in your offer before you accept.

Ready-mix order $22,000.00
Pump rental $9,500.00
Finisher payroll $38,000.00
Mixer repair $16,000.00

Example uses for illustration only.

How to improve your chances

A few habits make a concrete company's file read cleaner before you apply.

  • Run every job payment through one business account
  • Keep the account positive during slow weather weeks
  • Have three months of statements saved as PDFs
  • Know which job or expense the money is for

Our advance vs. a bank loan for concrete work

Merchant Fund Express
Traditional bank loans
Time to funding
As little as 24 hours if qualified
Often several weeks
Paperwork
About 3 months of bank statements
Tax returns, financials, projections
Credit
FICO 500+ considered
Strong credit usually expected
First credit check
Soft pull
Hard pull common
Application
About 5 minutes
Long forms and meetings

Get your next pour funded

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

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