Keep crews paid and trucks rolling while GC draws catch up. About three months of statements, no tax returns, FICO 500+ considered.
Check My OptionsConcrete Working Capital
Materials and labor get paid this week. Draws and retainage show up later. Working capital keeps the operation steady in between.
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.
Five minutes to apply, about three months of bank statements, no tax returns. Funding in as little as 24 hours for qualified businesses.
FICO 500+ is considered. We begin with a soft pull and focus on your deposit history.
The full repayment amount is shown in your offer before you accept. No surprise costs after you sign.
Your repayment schedule is spelled out in the offer, so you can plan around weather and job timing.
Fast decisions. Applying takes about 5 minutes.
A short application. A soft credit pull to start.
We review revenue, time in business and bank activity, not just a credit score.
You see the amount, the schedule and the full repayment amount before you sign.
Funding in as little as 24 hours for qualified businesses.
Picture a commercial parking lot. You line up rebar, forms and several truckloads of ready-mix, then pay your crew every Friday. The GC pays on a monthly draw, minus retainage, and sometimes later than promised. Multiply that across several jobs and you can be profitable on paper while the checking account runs thin.
Working capital fills that gap. It is a lump sum you can put toward whatever is pinching: payroll, materials, fuel, insurance or a deposit on the next job.
In many regions, flatwork and foundation work slow down in cold or wet months. Owners who plan ahead use working capital to hold onto good finishers through the slow stretch instead of losing them to another outfit. Our concrete slow season funding page goes deeper on that.
Whatever the reason, your offer lays out the full repayment amount and the schedule before you accept, so you can check it against your expected spring backlog.
No tax returns required. FICO 500+ is considered, and sole proprietors can apply. We built this for established businesses with steady deposits, so the bank statements do most of the talking.
Here is a simple way to think about the number. Suppose a residential and light commercial concrete company deposits a steady amount each month and has one big job starting that needs materials and two extra finishers for six weeks of pours. The owner adds up the materials invoice, the added payroll and a cushion for a weather delay. That total, not the largest number on offer, is the right request.
Asking for what the job needs keeps payments lighter and leaves room in the account. The final amount always depends mainly on your deposits and the obligations already on your statements. If a large job is driving the need, also read concrete big contract funding and concrete payroll funding.
If the need is a specific machine, equipment financing for concrete may fit better. If gaps come and go, a line of credit lets you draw as needed. When you know what you need, apply here.
Payroll, ready-mix and rebar, fuel, insurance renewals, job deposits and similar operating costs.
Mainly by your monthly deposits and existing obligations. Amounts run from $25,000 to $5,000,000.
No. About three months of business bank statements and a short application are usually enough to start.
We start with a soft credit pull, which does not affect your score.
Decisions move quickly, and funding can arrive in as little as 24 hours for qualified businesses.
Many concrete owners do exactly that. Just check the repayment schedule in your offer against the months when pours are light.
Example uses for illustration only.
Small changes can strengthen a concrete company's application.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding