Ready-mix is ordered and paid for the day before the pour. GCs pay net-30. Your crews need to be paid weekly. Working capital and equipment financing built for concrete contractors — funded in as little as 24 hours.
Apply in 5 Minutes — Get Funded FastMax financing for concrete companies
Typical time from approval to funded
Min. credit score for most products
Minimum time in business to qualify
Concrete work is among the most cash-intensive construction trades. Unlike residential remodelers who can sometimes stretch material purchases across weeks, concrete contractors face a hard deadline: ready-mix is ordered, delivered, and poured on a fixed schedule. You cannot defer the pour.
The cash flow problem compounds because concrete subcontractors — the majority of the industry — work under general contractors who pay on net-30, net-45, or draw-schedule payment terms. A typical concrete subcontract on a commercial project works like this:
A concrete contractor with 4 active commercial projects might have $80,000–$200,000 in materials and labor costs deployed against receivables that won't clear for 45–90 days.
| Material / Service | Typical Cost | Notes |
|---|---|---|
| Ready-Mix Concrete (3,000 PSI) | $145–$200/yard | Ordered day-of or day-before pour |
| Ready-Mix Concrete (5,000 PSI) | $165–$225/yard | Structural applications |
| Rebar (#4, per 20ft stick) | $9–$18 | 100–500 sticks per residential pour |
| Fiber Reinforcement | $8–$15/yard added | Alternative to rebar for slabs |
| Forming Lumber (per MBF) | $600–$1,000 | Reused 5–10x before replacement |
| Concrete Pump (daily rental) | $1,200–$3,500 | Boom pump for large pours |
| Concrete Admixtures | $0.50–$2.00/yard | Accelerators, plasticizers, air entrainment |
| Curing Compound | $0.05–$0.15/sq ft | Applied post-pour |
A 200-yard commercial foundation pour requires $29,000–$40,000 in ready-mix alone — due the day of or day after delivery from suppliers like Cemex, Holcim, Martin Marietta, or regional batch plants. Add rebar, forming, pump rental, and labor, and a single pour can require $50,000–$80,000 in upfront costs.
Fund ready-mix orders, rebar, forming materials, crew payroll, and equipment rentals before GC payment arrives. Lump-sum deposit with fixed daily or weekly repayments. Best for concrete contractors with $15K+ monthly revenue.
Revolving credit for material orders as contracts are awarded. Draw before each pour, repay when GC pays, draw again for the next project. The most flexible product for concrete contractors with multiple simultaneous active jobs.
Revenue advance repaid from daily deposits — no fixed schedule. Accessible to concrete companies with lower credit scores. Approval based primarily on business revenue and deposit history, not personal credit.
Finance concrete pumps, mixer trucks, laser screeds, power trowels, core drills, saws, and work trucks. Equipment is the collateral. Terms up to 60 months. Stop renting and start owning the equipment your business depends on.
Sell outstanding GC or developer invoices for immediate cash. 80–90% advance rate same day — no waiting 45–90 days for payment. Perfect for concrete subcontractors on commercial, municipal, or multi-family projects with extended pay terms.
Fixed daily or weekly ACH repayments scaled to your revenue. A structured financing product with predictable terms — pay more during peak construction season, less during slower winter months. No equity, no collateral required.
Commercial concrete work — foundations, tilt-wall panels, parking structures, industrial slabs — represents contracts of $100,000–$2,000,000+. To be competitive on these bids, a concrete contractor needs to demonstrate the financial capacity to fund materials and labor for 60–90 days before GC payments fully clear. A working capital facility or business line of credit provides that capacity and signals creditworthiness to GCs reviewing bids.
A Somero laser screed (S-485) costs $70,000–$120,000 to purchase — but renting one runs $2,500–$5,000 per day. A 50-ton concrete pump truck can be financed at $3,500–$5,000/month vs. $1,500–$3,500 per rental use. For concrete companies doing 3+ pours per week, equipment ownership pays for itself within 6–12 months of financing. Equipment financing puts you in the owner's seat without depleting working capital.
Polished concrete, stamped concrete, exposed aggregate, and epoxy floor systems command premium pricing — often 2–4x the price per square foot of standard flatwork. Transitioning from commodity concrete to specialty work requires purchasing stains, densifiers, polishing systems (HTC, Husqvarna), and stamp patterns. A working capital loan funds the equipment and material investment while you build the specialty revenue base.
A concrete contractor in Houston wins a $380,000 subcontract for foundation and flatwork on a 40-unit apartment complex. GC terms are net-30 after each draw application. Materials for Phase 1 (foundation): $85,000 in ready-mix, rebar, and forming. Labor: $32,000. A $120,000 working capital loan covers Phase 1 completely. The contractor submits draw applications as each phase completes, retires the loan balance from Phase 1 payment, draws again for Phase 2 — cycling the capital through 4 phases over 14 weeks while netting $115,000+ in profit.
| Product | Min. Revenue | Min. Credit | Time in Business |
|---|---|---|---|
| Working Capital Loan | $15K/mo | 600 | 12+ months |
| Business Line of Credit | $10K/mo | 620 | 12+ months |
| Merchant Cash Advance | $10K/mo | 550 | 6+ months |
| Equipment Financing | $8K/mo | 580 | 6+ months |
| Invoice Factoring | Invoice-based | No min. | 3+ months |
| Revenue-Based Financing | $12K/mo | 560 | 6+ months |
Complete our 5-minute application online. Basic business info and estimated monthly revenue.
Upload 3 months of business bank statements. That's all we need to start underwriting.
Receive financing offers within 4–8 hours. A specialist reviews your file and presents options matched to your revenue and goals.
Sign digitally. Funds wire to your business account within 24–72 hours of final approval.
Concrete contractor loans fund ready-mix concrete orders, rebar and rebar chairs, forming lumber and panels, admixtures, finishing tools, equipment rentals, crew payroll, and the cash flow gap between when materials are purchased and when GC or homeowner payments arrive.
Concrete contractors can qualify for $10,000 to $500,000 based on monthly revenue and time in business. Most approvals are same-day with funding in 24–72 hours. Larger amounts are available for established companies with strong deposit history and commercial project experience.
Yes. We evaluate business revenue and cash flow, not just credit score. Concrete companies with scores as low as 550 may qualify for a merchant cash advance or revenue-based financing. Our underwriting is based primarily on your bank deposits and monthly revenue.
Concrete work requires purchasing ready-mix, rebar, forms, and admixtures before a single yard is poured. Ready-mix suppliers from Cemex, Holcim, and regional batch plants often require payment within 7–14 days. GCs and property owners commonly pay net-30 or on completion milestones — leaving contractors out of pocket for weeks at a time.
Yes. Equipment financing is available for concrete pumps, mixer trucks, laser screeds, power trowels, core drills, saws, and work trucks. The equipment serves as collateral, often enabling approval with lower credit scores. Terms up to 60 months keep monthly payments manageable while equipment generates revenue.
Yes. Concrete contractors working under general contractors with net-30 to net-60 payment terms can factor those invoices for immediate cash — typically 80–90% of invoice value advanced same day. The factoring company handles collection from your GC directly.
Most products require $10,000–$15,000/month in gross revenue and 6+ months in business. Invoice factoring has no minimum revenue requirement and accepts companies with 3+ months of operating history. Contact us to find out exactly what you qualify for.
Apply online in 5 minutes at merchantfundexpress.com. Decisions within 4–8 hours. Funds wire to your account within 24–72 hours of approval. Call (305) 384-8391 for same-day processing on urgent material order needs.
Reviewed by MFE Funding Team | Updated March 2026
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