Working Capital for Concrete & Masonry Contractors
Concrete and masonry contractors pour foundations, driveways, and walls on tight weather-dependent schedules, with ready-mix, rebar, and block costs due well before the customer pays. Paz Working Capital helps concrete and masonry businesses fund materials and crew payroll around a job calendar that weather and curing times control.
Approval in as little as 24 hours after you apply, with funds sent as soon as the next business day, so concrete & masonry contractors never wait on a bank.
Fixed daily or weekly payments sized to your sales, not a balloon due date. Ready-mix concrete, rebar, and block are typically paid for at time of delivery, before the poured or laid work is even billed.
Funding is a purchase of your future receivables, so you are not pledging equipment, property or personal assets. Weather delays can push a scheduled pour back by days or weeks, while equipment rental and crew costs keep accruing.
One approval, draw what you need, and return for additional funding as your concrete & masonry contractors business performs. Larger commercial and municipal concrete contracts commonly hold retainage, releasing a portion of payment only after final inspection.
Cover ready-mix, rebar, block, and aggregate before the job is billed
Keep crews and equipment rentals paid through weather-related pour delays
Fund mixers, forms, and finishing equipment for larger jobs
Yes. Funding is based on the overall revenue history of your business rather than a single job, so it can be used to pay for ready-mix, rebar, or block at time of delivery.
No. Qualification is based on overall monthly revenue and time in business, not on whether specific contracts hold retainage until final inspection.
Yes, funds can be used to keep crew payroll and equipment rental current during weather-related delays or any other business need.
Paz funds concrete & masonry contractors from $2,500 to $5,000,000. Most concrete & masonry contractors qualify for $25,000 - $225,000, based on monthly revenue and time in business rather than collateral.
A US business that has operated for at least six months with $10,000 or more in monthly revenue, your last three months of bank statements and your EIN. The application takes about five minutes, and there is no hard credit pull to get pre-qualified.
Concrete & Masonry Contractors funding, approved in as little as 24 hours