A good concrete contractor shouldn’t also be your bank. We pour and pave — we don’t process loan applications. Instead, we point you to established home-improvement lenders, and we’ll walk you through the options on the day of your free estimate.
Why we don’t do in-house financing
Plenty of contractors that “offer financing” have a commissioned salesperson steering you toward a bigger contract to maximize the loan. We don’t. Our crew is paid to build, not to sell, and the financing decision is yours to make with the lender directly — not with us in the middle.
How third-party financing typically works
Most home-improvement lenders offer two kinds of plans: 0% APR promotional periods (commonly 6, 12, 18, or 24 months) for qualified borrowers on projects over a few thousand dollars, and fixed-payment installment loans over longer terms at a fixed APR. Promotional plans are best when you can pay the balance off inside the promo window; fixed-payment loans are better when you want a predictable monthly payment over a longer horizon. Applications are online and decisions are usually quick.
Cash, check, and card
We also accept the usual payment forms: cash, business or personal check, and major credit cards. If a card payment carries a processor surcharge, it’s itemized in the quote — that’s the card processor’s fee, not a markup.
Insurance & storm-damage work
Some of our repair and replacement work is insurance-driven — storm damage, root or settlement heave, and similar. We document what an adjuster needs (scope, dated photos, and pre-loss condition where determinable) in the format carriers expect. You handle the claim with your carrier; our paperwork supports it.
A note on promotional financing
If you take a 0% promotional plan, pay off the balance before the promo period ends. Many promotional plans are deferred-interest, which means any remaining balance at the end of the promo can trigger interest retroactively from day one. Set a calendar reminder and pay it off in time. The math only works if you do.