Concrete contractor finance for ready mix, pumping and specialist concreting businesses

Concreting businesses rely on specialist plant, vehicles and steady cashflow across jobs that often involve staged payments, tight margins and upfront material costs. 

Whether you’re a ready mix concrete business, concrete pumping contractor or specialist concreting company, PMD structures concrete contractor finance that keeps cash available, supports mobilisation and ensures your operations run smoothly from pour to completion. 

We arrange equipment finance and working capital for: 

• Concrete mixers, volumetric trucks and batching plants 

• Concrete pumps (boom pumps, line pumps) and screed pumps 

• Finishing equipment, vibrating tools and compaction kit 

• Telehandlers, loaders and site vehicles 

• Vans, pickups and transport for crews and materials 

• Yard, depot and workshop equipment 

• Working capital loans for labour, aggregates, cement and site setup 

• Asset refinance to release funding from owned plant 

If it’s critical to delivering concrete on time and to spec, we can help you finance it. 

Why concreting businesses use finance

Concrete contractors often operate with upfront costs for materials, labour and logistics while waiting on staged payments or for projects to complete. 

Finance helps spread the cost of plant and vehicles into manageable monthly payments, while also: 

• Reducing large upfront spend on mixers, pumps and batching equipment 

• Keeping cashflow stable across multiple jobs 

• Freeing up capital for wages, fuel, aggregates and transport 

• Allowing upgrades to more efficient or higher capacity equipment 

• Supporting multiple equipment purchases under one facility 

• Structuring repayments around job timelines and cashflow cycles 

From small local contractors to large scale ready mix and pumping operations, finance helps keep projects moving without creating pressure or working capital. 

Finance options for concreting businesses

Business in the concreting sector tend to use a mix of funding solutions depending on equipment requirements, project schedules and cashflow pressures. 

Asset finance for concreting equipment 

Best for: Acquiring plant now and spreading the cost over time. 

Concrete contractors depend on specialist equipment like mixer trucks, pumps, batching plants and finishing tools. Asset finance allows you to bring this equipment into your business immediately, while spreading the cost over fixed monthly payments. 

The equipment itself acts as security, which can help improve rates compared to unsecured borrowing. 

It’s particularly useful for: 

• Funding concrete mixers, volumetric trucks and pumping equipment 

• Keeping cash free for materials, labour and logistics 

• Predictable monthly repayments with clear structure 

• Potential tax efficiencies depending on your setup 

 

Hire purchase for concrete contractors 

Best for: Owning equipment outright over time 

Hire purchase is well suited to concreting businesses investing in long life assets like mixer trucks, batching systems or pumps. 

You pay a deposit (someitmes none), followed by monthly repayments and once the agreement ends, the asset becomes fully owned. 

This type of finance offers: 

• Clear and predictable repayment terms 

• Competitive interest rates 

• Stability over the full term 

It’s a popular option for contractors building long term value in their fleet and equipment. 

 

Equipment leasing for concreting businesses 

Best for: Lower monthly payments and flexibility. 

Leasing is often used for equipment that needs upgrading regularly or is tied to specific projects. 

Concrete businesses may lease: 

• Specialist pumps or screed equipment  

• Finishing and compaction tools 

• Temporary or project specific machinery 

Benefits often include lower monthly payments, the flexibility to upgrade or change equipment, and no need to commit to long term ownership whilst also helping to preserve working capital. 

 

Asset refinance for concrete plant and equipment 

Best for: Releasing cash tied up in existing machinery 

If you already own mixers, pumps or batching equipment (either fully or with equity), refinance allows you to release a sum while keeping the asset in use. 

Concreting businesses often use this for: 

• Funding new contracts or expansion 

• Covering material costs such as cement and aggregates 

• Managing payroll during slower payment cycles 

• Consolidating existing finance agreements 

• Improving short term cashflow 

It’s a practical way to access capital without selling core equipment. 

 

Business loans for concreting businesses 

Best for: Covering costs beyond equipment 

Concrete projects often require significant upfront spend before revenue comes in, particularly for materials, labour and transport. 

Business loans provide flexible funding to support: 

• Job mobilisation and site setup 

• Hiring staff or subcontract crews 

• Purchasing materials in bulk 

• Covering fuel, logistics and delivery costs 

• Expanding into new contracts or locations 

Both secured and unsecured options are available, depending on your business requirements and financial profile. 

 

Revolving lines of credit for concreting companies 

Best for: Flexible, ongoing access to working capital 

A revolving credit facility gives you access to funds that you can draw down, repay and reuse as needed. It’s particularly useful for: 

• Managing fluctuating material costs 

• Covering unexpected delays or overruns 

• Bridging short term cashflow gaps between payments 

This type of funding supports day to day liquidity without relying on overdrafts or credit cards. 

 

Invoice finance for concreting businesses 

Best for: Contractors working on payment terms 

Many concreting businesses operate on 30-90 day payment terms, especially when working with main contractors or developers. 

Invoice finance allows you to access cash tied up in unpaid invoices, helping to: 

• Maintain steady cashflow between pours and payments 

• Cover wages, fuel and material costs 

• Take on new work without waiting for settlements 

Facilities can be structured to fit how you manage your accounts. 

 

Working capital loans for concreting businesses 

Best for: Supporting materials, labour and day to day costs 

Working capital finance helps cover operationsl costs that fall outside equipment funding. This includes: 

• Cement, aggregates and raw material purchases 

• Labour and subcontractor costs 

• Site setup and logistics 

• Running costs between project stages 

It’s particularly useful when taking on additional contracts while existing invoices are still outstanding. 

 

Structured finance and asset based lending for concreting companies 

Best for: Larger or more complex funding requirements 

Structured finance combines multiple funding types, such as equipment, receivables and sometimes property, into a single facility. It’s commonly used for: 

• Expanding fleets of mixer trucks or pumps 

• Investing in batching plants or depots 

• Managing multiple contracts simultaneously 

• Scaling operations without restricting cashflow 

This type of facility grows with your business as demand increases. 

 

Property finance for concreting business owners 

Best for: Yards, depots and operational sites 

Concrete businesses often require space for storage, batching and logistics. Property finance can support: 

• Yard acquisitions and depot expansion 

• Workshop and maintenance facilities 

• Owner occupied premises 

• Consolidating multiple operational sites 

These longer term facilities help strengthen operational efficiency whilst supporting growth.

How it works

Our process is designed to move at the pace of your projects. 

1. 1. Tell us what you need: Share details of your equipment or funding requirement. Whether it’s mixer trucks, pumps, batching plants, vehicles or working capital. 

1. 2. We compare lenders: We assess options across asset finance, leasing, refinance, loans, invoice finance and structured facilities to find the right fit. 

1. 3. Application and underwriting: We prepare your application and handle the process so you can focus on running jobs. 

1. 4. Approval and payout: Funds are released or suppliers are paid, allowing you to move ahead without delays. 

1. 5. Simple repayments: Clear monthly payments structured around your cashflow and project schedule. 

Who we help

We support: 

• Ready mix concrete suppliers 

• Concrete pumping companies 

• Screed and flooring specialists 

• Groundworks and concreting contractors 

• Infrastructure and commercial concrete teams 

• Start ups through to established operators 

Whether you’re expanding your fleet, improving cashflow or taking larger projects, we’ll structure finance around your business. 

Why choose PMD for concreting finance?

Concreting businesses choose PMD because we understand the pressures around timing, materials and margins. 

You’ll benefit from: 

• Access to specialist lenders in construction and equipment finance 

• Funding structured around projects, timelines and payment terms 

• Straightforward communication and quick decisions 

• Support across the full funding mix, including plant, cashflow and property 

Ready to fund your next project?

Whether you’re investing in new mixers, upgrading equipment or securing working capital for your next contract, we’ll build the right funding structure around your business. 

Call 0161 633 2548, email info@pmdbusinessfinance.co.uk, or complete our online form to get started.