The Pinch Points
Why Concrete Contractors Come to Us Instead of Their Bank
Concrete work is time-sensitive, material-heavy, and unforgiving. The pour can't wait on a bank that wants six weeks of financials. Sound familiar?
Batch Plant Wants COD
You're pouring 400 yards this week across 3 jobs. Ready-mix costs $55K and the batch plant wants COD. Your GC payments are 30 days out.
Pump Truck Down
Your concrete pump is down. Rental replacements cost $3K/day. A new pump truck is $180K but will pay for itself in 18 months. Your bank wants 6 months of financials you don't have time to prepare.
Mobilization Before the Draw
You won a $250K foundation package for a subdivision. Mobilization costs $60K — forms, rebar, and crew — before the first draw. The builder starts grading next week.
Winter Payroll Squeeze
Winter hit and decorative concrete is dead for 3 months. Your 8-man crew costs $32K/month in payroll but you've got $9K in the bank. Laying them off means losing guys you spent 2 years training.
A GC Slow to Pay
A commercial GC owes you $85K across two foundation pours completed 6 weeks ago. He's not disputing the work — just slow to process payments. Meanwhile your rebar supplier wants $22K by Friday.
Doubling Volume to Win the Job
A GC wants you on a three-phase commercial pour — double your normal volume — but saying yes means a second crew, another pump, and material float before the first payment clears. Turn it down, and the relationship goes to a competitor who can staff it.
What an operator said
“A builder gave us 22 driveways on a rolling schedule, but every pour needed forms, rebar, and crew before the draw. A revolving line kept us two pours ahead instead of waiting on each draw.”
Hector M. · concrete contractor · Denver, CO
Start Here
See Your Range in 60 Seconds
No credit check, no documents to start, and an estimated funding range on the spot. No one contacts you until you’re ready to move forward.
What Happens When You Start
Estimate Your Capital Range
Slide to your annual gross revenue. We size capital off your top line — not your credit score.
Estimated Capital Range
A conservative range based on 10-15% of annual revenue — many businesses qualify for more with strong receivables or assets behind them. Lenders return real term sheets once they see your file.
60 seconds · No obligation · Estimate only
Built for the Trade
What We Fund for Concrete Crews
Cover the Batch Plant on COD
A working line fronts ready-mix when the plant wants cash on delivery and your GC draw is weeks out, so you never miss a placement date waiting on the money.
Pump Trucks & Iron, Section 179
Finance a concrete pump, mixer, or laser screed instead of renting by the day — a fraction down, full first-year write-off, the machine on your jobs in days, not the weeks a bank takes.
Fund Mobilization Before the Draw
A working line fronts the forms, rebar, and crew due before the first draw on a foundation package, so the pour schedule holds instead of slipping to a bank's timeline.
Scale to the Bigger Pour
A revolving line carries the materials and second crew on a subdivision or multi-phase job, so you pour the next house before the builder pays for the last one.
Match Your Situation
The Cash-Flow Gaps We Fund for Concrete
Match your situation to the structure. Every one of these funds on your revenue, not a perfect credit file.
| What It Looks Like | Funding Solution | Amount | Speed | |
|---|---|---|---|---|
| Ready-mix float | Pour-week concrete orders due COD; the customer pays on completion | Working Capital | $75K–$200K | 1–3 days |
| Pump truck down | Pump repair sidelines you; subbing out runs $3K/day | Equipment Financing | $75K–$250K | 3–5 days |
| Rebar and form material | Large commercial pour needs steel and forms upfront | Working Capital | $75K–$300K | 1–3 days |
| Winter slowdown bridge | Months of reduced work, insurance and yard lease still due | Working Capital | $75K–$200K | 1–3 days |
| Subdivision volume | 30-home foundation package, materials spread over 6 months | Business LOC | $250K–$1M | 1–5 days |
The Products
How Concrete Financing Is Structured
Most concrete files fund between $75K and $5M+, structured to the job in front of you. Larger lines available when revenue, cash flow, and story qualify.
| Amount | Term | Best For | Funding Speed | Typical Structure | |
|---|---|---|---|---|---|
| Working Capital | $75K–$5M+ | 6mo–10yr | Cash-flow gaps, payroll | 1–3 days | Often unsecured, daily/weekly ACH |
| Equipment Financing | $75K–$5M+ | 3yr–7yr | Pump trucks, mixers, forming systems | 3–7 days | Equipment serves as collateral |
| Invoice Factoring | $75K–$5M+ | Per invoice | Slow-paying GC progress billings | 1–2 days | Invoices secure the line, no PG typically |
| Business LOC | $75K–$5M+ | Revolving | Ongoing material draws | 1–5 days | Unsecured line, no PG by default |
Tax Strategy
Section 179 on a Pump Truck — Worked
If last year was strong and you’re about to write a check to the IRS — stop. Acquire qualifying equipment with as little as 10% down, finance the rest, and write off the full purchase price in year one. Section 179 covers it up to the annual cap; 100% bonus depreciation — made permanent in 2025, with no cap and no income limit — carries the rest.
At the top bracket, that first-year deduction can return meaningful tax savings — and for an established business with strong cash flow, it’s the difference between writing a check to the IRS and putting the same money into your own equipment. Your CPA models the exact numbers for your bracket and structure.
Worked scenario · top bracket · illustrative
You financed the machine and put down a fraction of its price — but you deduct the full price in year one. The write-off is bigger than your down payment, and the equipment keeps working the whole time.
Scales with your numbers
Illustrative only. Actual savings depend on your tax bracket, entity type, state conformity, and CPA guidance. Section 179 and bonus depreciation are elections your CPA makes for your situation; above the Section 179 cap, 100% bonus depreciation carries the balance.
Terms reflect credit, revenue, time in business, and each lender. Every file is unique — see what the desk structures for yours in the 60-second qualifier.
Bobby’s Take
“Concrete guys come off a strong year and write a fat check to the IRS instead of buying the pump truck the crew needs. Put 10% down on a $185K pump, finance the rest, and write off the full $185K in year one — a deduction bigger than the cash you put down. The pump on the pour and the pump working your tax bill, same year.”
Bobby Friel · Founder · 20+ years in banking and finance
How It Works
From Application to Funded
One application, 70+ lenders competing, a dedicated specialist, and most files funded in days.
60-second estimate
Enter your numbers — no credit check, no documents. You see an estimated funding range on the spot.
A specialist is assigned
A real funding specialist — not an algorithm — reviews your file, usually within 24 hours.
70+ lenders compete
Your application goes to the marketplace. Competing offers typically land 24–48 hours later.
You pick the offer
Compare structures and terms with your advisor. No obligation until you choose to sign.
Funded in days
From same-day working capital to a multi-piece stack, most files fund in days — not the bank’s 60–90.
Underwriting
What Underwriting Looks At
Funding here leads with what your business actually does — your revenue and cash flow. The specialist desk reads the real picture from your statements, then matches it to the lenders most likely to fund it.
How you’re evaluated
Revenue-first
sized off your top line, not just your balance sheet.
Cash-flow driven
your bank statements show how the business really runs.
Bank-statement underwriting
even a down year is read off 4 months of statements.
Story-driven
a big new contract, a seasonal swing, a turnaround in progress: context the raw numbers miss counts too.
What to have ready
↳Had a loss year? It’s read off the bank statements — 4 months, not 6.
Start fast, finish complete
The operators who fund quickest come to the specialist review with these ready — but you don’t need all of it to start. Your signed application and bank statements are what unblock the review; the rest can follow as trailing docs. Real term sheets come once the lenders can see a true business overview, so the move is simple: get the application and statements in right away, and don’t let a missing tax return hold up your term sheets.
Credit, straight
Qualification
Who Gets Funded — and Who’s Not Ready Yet
A straight read saves everyone time — here’s the line between a concrete file that funds and one that isn’t ready yet.
↳Time in business is a factor, not a gate — newer crews with strong revenue still qualify.
Not ready yet isn’t a no — it’s a checklist. Most of it is fixable in a quarter or two, and your advisor will tell you straight which gaps to fix before a file goes in.
The Operator's Guide
Concrete Contractor Financing
You Can't Pause a Pour
Here's the thing about concrete — you can't pause a pour. The batch plant wants $55K cash on delivery, your GC pays net-30, and you've got 400 yards scheduled across three jobs this week. That's not a timing problem — it's a cash-flow problem. And your bank wants 6 weeks to think about it while your crew is standing around.
One Application, 70+ Lenders
We fund concrete contractors — residential flatwork, commercial foundations, decorative, pump-truck operators — in as little as 24 hours. One application. 70+ lenders. Soft-pull review. We've funded $55K ready-mix COD orders, $180K pump-truck purchases, $60K subdivision mobilization packages, and $250K revolving lines for multi-job operations. If the batch plant won't load your trucks without cash, fill out one application and let 70+ lenders compete for your business.
Common Questions
Concrete Financing — Questions, Answered
Working capital ($75K–$5M+) funds in 24 hours and can be used for ready-mix, rebar, forms, and any other material costs. A revolving line of credit is even better for recurring material purchases — draw when you order, repay when the GC pays.
Yes. Equipment financing for pump trucks, mixers, and concrete equipment ranges from $75K to $5M+. The vehicle/equipment serves as collateral, giving you longer terms (3–7 years) than unsecured products.
A combination of working capital for mobilization and a line of credit for ongoing materials works best. For larger projects, the specialist desk can structure custom solutions across 70+ lending partners.
No. Soft credit pull only — zero FICO impact.
Yes. A revolving line lets you pour house five while you're still owed on house one — draw for each phase's ready-mix, forms, and crew, and repay as the builder pays per completion. Funded in days on a soft-pull review.
Yes. Invoice factoring turns your completed-pour progress billings into cash within 24–48 hours, so a GC that's slow to process payment doesn't leave you fronting the next job's rebar and crew yourself.
Recommended Funding
The Products That Fit Concrete Work
Equipment Financing →
Finance pump trucks, mixers, and forming systems — the equipment is the collateral.
Working Capital Loans →
Cover ready-mix and rebar costs when batch plants demand COD before the pour.
Invoice Factoring →
Turn GC progress billings into cash within 24–48 hours instead of waiting 30–60 days.
Other Construction Trades