Concrete Contractor Funding

Materials, equipment, and crews cost money weeks before the draw clears. Get $10K–$5M in as little as 24 hours — approved on your deposits, not your credit score.

You pour first, you get paid later

Concrete is a front-loaded trade. You buy the ready-mix, rent the pump, mobilize the crew, and set the forms — all before a single progress draw shows up in your account. On a commercial job you can be 30, 60, sometimes 90 days out from payment while payroll runs every week and the batch plant wants cash on delivery. That gap is where good concrete contractors get squeezed, not because the work is bad, but because the money is timed wrong.

Quick Biz Capital fills that gap. We fund concrete and flatwork contractors from $10,000 to $5,000,000, and we approve based on the deposits moving through your business bank account — not your FICO. If you can show us statements, we can usually move fast.

A real dollar example

Say you win a $180,000 tilt-up slab and site-flatwork package. Before you invoice a dime, you're out real money: roughly $40,000 in ready-mix and rebar, $8,000 to mobilize and rent a boom pump for the big pours, and about $22,000 in crew payroll across the first three weeks. That's around $70,000 spent before your first draw — and the GC pays net-45.

A $75,000 advance covers the materials, the pump, and payroll to get through the pour schedule. You keep the crew intact, hit the concrete window instead of chasing weather, and pay it back out of the draws as they land. The job funds itself once it's rolling — you just needed to bridge the front end.

Why concrete contractors use us

• $10K to $5M — enough for a single flatwork job or a full commercial pour schedule.
• Funded in as little as 24 hours — send statements and a signed agreement before early afternoon ET on a weekday and you can see funds the same day. Friday requests typically fund Monday.
• Approved on deposits, not credit — we read your bank statements, not just your score. FICO 500+ is fine, and checking your rate is a soft pull that won't ding your credit.
• No collateral for working capital — you don't have to pledge your trucks or your pump to cover materials and payroll.
• Built for draw timing — the whole point is to bridge the gap between spending on the pour and getting paid on the draw.

What you can put it toward

• Ready-mix, rebar, wire mesh, forms, and release agent for a job that hasn't paid yet
• Boom pump, line pump, laser screed, and equipment rental or mobilization
• Crew payroll and finishers between draws
• Fuel, permits, and traffic control on a new project
• A down piece of equipment you can't afford to have offline mid-pour
• Taking on a second job before the first one has paid out

Straight answers

How fast can I actually get funded?

If we get your business bank statements and a signed agreement before early afternoon ET on a weekday, funding the same day is realistic. Send it Friday and it typically lands Monday. It comes down to how quickly you get us the documents.

Do I need good credit?

No. We approve on the deposits in your business bank account, not your credit score. FICO 500+ is workable, and checking your rate is a soft pull — it won't affect your credit.

What's the minimum and maximum?

We fund from $10,000 up to $5,000,000. We don't do anything under $10K, but a single flatwork or commercial pour usually needs more than that anyway.

Do I have to pledge equipment or trucks?

Not for working capital. Funding for materials, payroll, and mobilization doesn't require collateral.

What do I need to apply?

Just your recent business bank statements to start. Approval is based on the cash flowing through the account, so that's the main thing we look at.

Can I use it if I already have concrete on the schedule?

Yes — that's exactly the use case. Bridge the materials, pump, and payroll now, then repay out of the draws as the job pays you.