Concrete work carries heavy up-front material and labor costs on jobs that often pay net-30 or later. Concrete contractor funding fronts those costs so you can bid and win bigger pours.
What concrete business owners fund
- Materials — front concrete, rebar and forms for big pours
- Equipment — mixers, screeds, power trowels and pumps
- Crews & payroll — staff up for large commercial jobs
- Trucks — buy or outfit work trucks and trailers
Retainage and net-30 jobs tie up cash. A line of credit fronts the pour so you never turn down a commercial job for lack of working capital.
Funding options
Working capital and a line of credit front materials and payroll; equipment financing and heavy equipment financing cover mixers and pumps; construction financing and factoring bridge slow-paying jobs.
Typical guidelines
| Requirement | Typical minimum |
|---|---|
| Time in business | 6+ months (startup options for equipment) |
| Monthly revenue | $10,000+ for revenue-based options |
| Credit score | No minimum on many programs |
| Documents | Application + 3 months bank statements |
Frequently asked questions
How do concrete contractors fund large pours?
Working capital or a line of credit fronts materials and labor, repaid when the job pays.
Can I finance concrete equipment?
Yes. Mixers, pumps and trowels are financed with the equipment as collateral, keeping approvals flexible.