Funding for Concrete & Paving
Paving is a compressed-season, heavy-iron business. Equipment financing puts machines on the job for up to 100% of cost, and an advance carries payroll and material through the wait on GC and municipal checks.
In most northern states the realistic paving season runs spring to first freeze, and every profitable day depends on iron that costs as much as a house. Mix, aggregate, and fuel get paid now; the GC pays in 30 to 90 days; the municipal job pays when the paperwork says so. Then winter arrives and the overhead keeps running while the revenue does not. Banks struggle with a business that earns its year in seven months. Broadway reads the bank statements instead — three months of deposits, one short form, a soft credit pull, same-day decision. With equipment financing up to 100% of cost and funding in as little as 24 hours, the machine can be on the job while the season is still open.
The challenge
Your season is whatever the weather leaves you, your equipment costs six figures whether it pours or sits, and the municipalities and GCs you pour for pay net-30 to net-90. Twelve months of overhead has to come out of the months you can actually work.
How Broadway Advance helps
Paving is a compressed-season, heavy-iron business. Equipment financing puts machines on the job for up to 100% of cost, and an advance carries payroll and material through the wait on GC and municipal checks.
What owners use it for
- Finance a paver, roller, skid steer, or mixer truck without draining the season's cash
- Cover payroll and fuel while GC and municipal invoices work through their cycle
- Buy material — mix, aggregate, rebar, forms — for a large pour or paving contract
- Carry shop rent, insurance, and equipment payments through the winter shutdown
- Post bonding and mobilization costs on public work
- Repair or replace equipment mid-season, when downtime costs the most
See your real number in about five minutes.
Apply nowFunding options that fit concrete & paving
Equipment Financing
Buy the equipment you need; the equipment itself secures the deal.
Up to 100% of equipment cost →Merchant Cash Advance
Immediate cash today in exchange for a small slice of future sales.
Up to $2,000,000 →Term Loan
The lowest rates and longest terms, with predictable monthly payments.
Up to $5,000,000 →Concrete & Paving funding questions
Can equipment financing cover used machines? Most of what we buy is used.
Generally yes. The machine is the collateral, so the structure works for used pavers, rollers, excavators, and trucks from reputable dealers, not just new iron off the lot. Broadway can finance up to 100% of the cost, which matters in a business where the alternative is writing a six-figure check out of your season's working capital. Same process as everything else we do: one short form, three months of bank statements, soft credit pull, same-day decision.
How do we cover winter when the plants close and nothing pours?
Plan it during the season, not in December. The strongest move is arranging capital while your statements show peak deposits — a line of credit or term loan approved in August is cheaper and easier than anything you can get in January. An MCA can work for winter overhead because remittance tracks revenue and lightens when deposits thin out, but be honest with the math: it costs more than bank money, so size it to what the spring backlog will actually repay.
We just won a municipal contract but mobilization costs hit before the first payment. Options?
This is a textbook use of fast working capital. Public work pays reliably but slowly, and nobody at the county is going to advance your bond, fuel, and first month of payroll. An advance or credit line bridges from mobilization to first payment, and the contract itself is your repayment story. Bring the award letter along with your three months of statements — a signed public contract makes underwriters comfortable, and decisions come same-day.