Merchant Fund Express
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Revenue-Based Financing for Concrete Companies

Funding reviewed around how your concrete revenue actually moves. Three months of statements, no tax returns, FICO 500+ considered.

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Concrete Revenue-Based Financing

Financing that starts with your revenue pattern

Wet months and busy months both show up in your statements. We use that full picture to shape an offer you can check before you sign.

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.

What concrete owners get

Fast, light on documents

Five-minute application, about three months of statements and no tax returns. Funding in as little as 24 hours for qualified businesses.

Credit is one input

FICO 500+ considered, soft pull to start. Revenue history drives the review.

Full cost in writing

The total repayment amount is shown in your offer before you accept. No surprise costs after you sign.

Repayment laid out early

How repayment works is explained in the offer up front, so you can plan for strong and light months.

Waiting on deposits to land?

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 revenue-based financing suits uneven concrete income

Few trades swing as hard as concrete. A dry stretch can bring back-to-back pours and big deposits; a wet month can stall half your schedule. Revenue-based financing ties repayment to the revenue running through your business, so it is built with that rhythm in mind rather than ignoring it.

It is generally a fit for established concrete companies with steady deposits over time, even if individual months bounce around.

How it works in plain terms

We review about three months of business bank statements to understand your revenue pattern. Based on that, we put together an offer that spells out the funding amount, the full repayment amount and how repayment works against your revenue. You see all of that before you accept, and no surprise costs are added after you sign.

The application takes about five minutes, starts with a soft credit pull, and does not require tax returns. FICO 500+ is considered.

A walk-through, for illustration

Imagine a foundation and flatwork contractor that brings in strong deposits from spring through fall and much less in the coldest months. The owner wants to buy forms and hire a second finishing crew ahead of the busy season. With revenue-based financing, the cost and repayment structure is set in the offer, and the owner can check how it would play out in both a strong month and a light one before signing.

That kind of planning is the whole point. If the slow months would leave the account stretched, a smaller amount may be the better call.

Where it fits next to other options

Getting started

Pull your last three months of business bank statements, think through what the money will do for the business, and apply in about five minutes. Sole proprietors can apply. Decisions move quickly, with funding in as little as 24 hours for qualified businesses.

Frequently Asked Questions

Is revenue-based financing the same as a merchant cash advance?

They are related but not identical. Both look closely at revenue, and your offer explains the exact structure and full repayment amount before you accept.

What does a concrete company need to apply?

About three months of business bank statements and a 5-minute application. No tax returns.

How much is available?

Funding runs from $25,000 to $5,000,000, based mainly on your deposits and existing obligations.

Is it a good fit for a brand-new concrete company?

It is built for established businesses with steady deposits, so a track record in your bank statements helps.

Does applying affect my credit?

We start with a soft credit pull, which does not affect your score.

Can I use it to prepare for the busy season?

Yes. Many concrete owners use it ahead of spring to buy forms, stock materials or add crew before deposits pick up.

Second crew hire $48,000.00
Form system $29,000.00
Spring materials $37,000.00
Yard upgrades $22,000.00

Example uses for illustration only.

How to improve your chances

These steps help a reviewer read your revenue pattern clearly.

  • Keep all job revenue in one business account
  • Avoid long stretches of negative balances
  • Note weather shutdowns that dipped deposits
  • Tie the request to a clear revenue goal

Revenue-based financing vs. a bank loan

Merchant Fund Express
Traditional bank loans
Main factor
Revenue and deposit history
Credit, collateral, tax returns
Documents
About 3 months of statements
Full financial package
Credit
FICO 500+ considered
Strong credit expected
Credit check
Soft pull to start
Hard pull common
Speed
As little as 24 hours if qualified
Several weeks

Match your financing to your concrete revenue

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

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