Merchant Fund Express
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Same-Day Funding for Concrete? Here Is the Real Timeline

Fast decisions and funding in as little as 24 hours for qualified concrete businesses. Three months of statements, a 5-minute application, no tax returns.

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Fast Concrete Funding

When the pour cannot wait for a bank

Trucks are booked and crews are scheduled. We review your deposits quickly so a broken pump or late draw does not cost you the job.

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.

Built for urgent concrete needs

Quick decision, short file

Five minutes to apply and about three months of bank statements. No tax returns. Funding in as little as 24 hours for qualified businesses.

Credit flexibility

FICO 500+ considered. A soft pull starts the process, and deposits weigh heavily.

No guessing on cost

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

Payments you know in advance

Your offer lays out the repayment schedule up front, even when you are moving fast.

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.

An honest word on "same-day"

We know why concrete owners search for same-day money. A pour is scheduled, the trucks are booked, and something just broke or a payment did not show. We will not promise cash the same day you apply. What we will tell you is that decisions move fast and funding can arrive in as little as 24 hours for qualified businesses. For most urgent concrete problems, that is the window that matters.

The kind of emergencies we hear about

For the breakdown scenario, our concrete emergency funding page has more detail.

How to move as fast as possible

Speed mostly depends on how complete your file is when you submit it.

  1. Download about three months of business bank statements as PDFs.
  2. Make sure the business name on the account matches your application.
  3. Fill out the 5-minute application with a clear amount and purpose.
  4. Be reachable for quick follow-up questions.

We start with a soft credit pull, FICO 500+ is considered, and no tax returns are required.

Fast does not mean blind

Even on a rush, read the offer. It shows the full repayment amount and the repayment schedule before you accept, so you are not signing for an unknown number while you stand on a jobsite. If the gap is short, a smaller amount might be smarter than the biggest number available.

What we look at, quickly

Our review centers on about three months of business bank statements. We look at how steadily deposits come in from builders, GCs and homeowners, how the account balance holds up between jobs, and what obligations already draw from the account. That is why a clean, complete set of statements matters more to speed than anything else you can do. Sole proprietors can apply, and the same quick review applies to them. The funding range runs from $25,000 to $5,000,000, sized mainly by deposits and existing obligations.

Pick the right product

A merchant cash advance or working capital covers one-time crunches. A line of credit suits repeat gaps. Not sure which fits? Start with the need, and your offer will spell out the structure. When you are ready, apply now.

Frequently Asked Questions

Can I really get funded the same day?

We do not promise same-day funding. Decisions move fast, and funding can arrive in as little as 24 hours for qualified businesses.

What slows things down most?

Missing or mismatched bank statements. Having three months ready as PDFs is the biggest speed boost.

Will a fast application hurt my credit?

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

How much can I get on short notice?

Amounts run from $25,000 to $5,000,000 depending mainly on deposits and existing obligations.

Do I need tax returns for a rush request?

No. Tax returns are not required.

Pump truck repair $26,000.00
Friday payroll $41,000.00
COD materials $19,500.00
Extra crew $33,000.00

Example uses for illustration only.

How to improve your chances

These steps shave the most time off a rush request.

  • Have three months of statements ready as PDFs
  • Match the business name on your account and application
  • State the exact amount and what it covers
  • Stay reachable by text during review

Fast funding vs. a bank on a deadline

Merchant Fund Express
Traditional bank loans
Decision speed
Fast decisions
Committee review
Funding
As little as 24 hours if qualified
Several weeks typical
Documents
About 3 months of statements
Tax returns and financials
Credit
FICO 500+ considered
Strong credit expected
Credit check
Soft pull to start
Hard pull common

Keep the pour on schedule

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

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