Solid Finances for Solid Surfaces: Ed's Money-Saving Guide

Can I Finance My Concrete Or Epoxy Project?

Money shouldn't stand between you and the concrete surfaces you deserve. That's why Ed Rivas, founder of Concrete & Epoxy by CSI, breaks down everything you need to know about financing your next concrete project in this eye-opening episode.

Discover how accessible concrete financing has become, with options available for nearly every credit situation. Ed walks through their seamless application process that won't harm your credit score and can offer rates as low as 0% interest. Whether your driveway has become a safety hazard or you've received a citation from the city, learn how financing allows you to address these urgent issues immediately rather than waiting until you have all the funds on hand.

The conversation reveals powerful insights about third-party financing programs that can fund up to $50,000, with money going directly to you rather than the contractor. This flexibility allows you to manage multiple home improvement projects simultaneously, not just concrete work. Ed emphasizes that most applicants get approved regardless of having perfect credit, making quality concrete repairs and upgrades accessible to more homeowners than ever before.

Ready to transform your concrete surfaces without the financial stress? Get all your financing questions answered and discover how spreading payments over 12-36 months can make your concrete dreams an immediate reality. Call 972-292-8057 for a free consultation and let Ed handle both the heavy lifting and the financial planning for your next project.

To learn more about Concrete & Epoxy by CSI visit:
https://www.CSIUS.net
Concrete & Epoxy by CSI
972-292-8057

Episode Transcript

Speaker 1 (00:04):
you're listening to ed the concrete man, the only
podcast where cracks get fixed,floors get fancy and concrete
becomes cool.
Hosted by ed revis, founder andceo of concrete and epoxy by
csi, serving up solid advice andeven more solid surfaces across
north dallas, whether it's yourdriveway, patio, garage or

(00:24):
mystery slab, we build andbeautify concrete and we've got
the trowel marks to prove it.

Speaker 2 (00:38):
A fresh concrete or epoxy upgrade can transform your
space, but what are youroptions if you don't want to pay
for it all at once?
Welcome back everyone.
I'm Sofia Yvette, co-host slashproducer, back in the studio
with Ed Rivas, founder and CEOof Epoxy Concrete and Epoxy by

(00:59):
CSI.
How's it going today, ed?

Speaker 3 (01:02):
Hi, sofia, I'm doing good, thank you, thanks for
asking and you.

Speaker 2 (01:06):
I'm doing good, Ed.
Upgrading your concrete orepoxy can be a game changer, but
let's talk about how folks canmake it work financially.
So can I finance my concrete orepoxy project?

Speaker 3 (01:21):
Definitely concrete or epoxy project?
Definitely.
We've been in business longenough and we have a good
reputation that we are able topair with different finance
programs.
We are actually partnered witha company that provides
different finance from different.

(01:43):
It's like when you apply for aloan and two or three different
companies are going to see whichone would be the best option
for you to finance.
We actually integrated in oursoftware when we send an
estimate to a client on theactual estimate, it gives you an
option for payments.
On the actual estimate, itgives you an option for payments

(02:07):
.
So it's like almost anything infinance.
It's score-driven, depends onyour actual credit score, but it
doesn't have to be the greatscore, the better score.
You don't have to have perfectcredit, but you can still get
finance.
But when we send the estimate,there is a link where you can

(02:27):
enter the information yourinformation to apply for finance
.
They don't give you a hard hiton your credit, so it's a soft
hit.
It's not going to affect yourcredit for trying and, depending
on your actual score or credit,you can get as low as 0%
interest.

Speaker 2 (02:49):
Wow.

Speaker 3 (02:55):
Now, what financing options do most concrete
contractors offer?
I mean, everybody worksdifferently, right, and most
contractors they don't use theirown money to finance, because I
mean you have to continueutilizing that money for new
projects.
There are some that they justask you to go directly to your
bank okay and there are others,like we, that we partner with a

(03:16):
reputable finance company foryou to try to get finance on
your project.
So you apply for it and if youapprove, there are different
ways that they can even give you, like a credit card, or they
can fund directly to yourchecking account and the
companies that we use.
You can finance up to $50,000.
And, like I said, depending onyour credit, can be as low as 0%

(03:39):
interest.

Speaker 2 (03:41):
Wow, Now are there benefits to financing versus
paying upfront for concrete work.

Speaker 3 (03:48):
It is.
I mean, you know, like theeveryday expenses are money that
you have to be paying every dayand you may have an urgency.
Let's say your driveway isbroken, right, and it becomes a
danger for walking through it.
Or maybe there are even optionsat times when the cities send

(04:11):
you a letter to fix yourconcrete because it's broken and
if not, they're going to giveyou a fee and maybe you don't
have the funds to immediatelypay for it.
Financing through our programswill give you the option to pay
over time, depending on theterms that you select.
It can be, I mean, 12 months,24, 36, depends on actually your

(04:33):
capacity to do it or yourpreference to do it, but you
will be able to fix the problemquick, even when you don't have
the funds right away.

Speaker 2 (04:43):
Now what credit requirements typically come with
financing a concrete project.

Speaker 3 (04:50):
That's based on bank requirements, right?
So the financing industry isvery regulated, so every bank
has different requirements.
So you will have to apply forit and they're going to be
looking at your credit score,how much money you make, to see
if you're able to make thepayment, and things like that

(05:11):
Things that they don't evendisclose to us because that's
their back end process and howdo they qualify people.
But what I can tell you, basedon the experience that we have
with the company that we workwith, most people get approved
for the loan.
It may be very low interest.

(05:32):
It may not be as low, dependingon your actual credit, but most
people get approved for it.

Speaker 2 (05:38):
Now, how do third-party financing programs
work for home improvementprojects?

Speaker 3 (05:44):
So you apply for it and they actually fund.
They also give the money to you.
It's not directly to us, it'slike you are applying for the
finance directly.
They send the money to theclient and then the client is
able to pay for the project.
They can actually apply forhigher amount than what our
project costs.

(06:05):
In case they have anotherproject going on Like maybe the
concrete is just a piece of thepuzzle on their project and they
need money for maybe alsopainting or changing a wall or
adding a door or anything likethat, they can require the
finance.
It can be higher than what isgoing to be just for the

(06:27):
concrete.

Speaker 2 (06:28):
What are the max amount of projects they can
finance at the same time?

Speaker 3 (06:33):
That is something that depends on the bank.
What I know is that in ourprogram they give you up to
$50,000.
So it can be depending on theamount of the cost of each
project.
It can be two, three can be one.
That varies a lot.

Speaker 2 (06:53):
Any final words for our listeners today on financing
concrete.

Speaker 3 (06:59):
If you are looking to do a concrete or epoxy project
and you want a reputable companyto do it and a good finance
program, we have that for you.
You can look at our reviews.
We are a very good company.
We're driven by customerservice and quality on the work
we do, and with that we alsofound the right finance program

(07:23):
for you to be able to do yourproject and don't have to get
all the money out of the bank atonce.
So you can contact us for that.

Speaker 2 (07:31):
Wow Well, ed, that was such a helpful breakdown.
Financing opens the door forhomeowners to transform their
spaces without a financialburden all at once.
Thanks for walking us throughit, and we will catch you on
your next episode.
Have a fantastic rest of yourday.

Speaker 3 (07:50):
Thank you, Sophia.
You too See you next time.

Speaker 1 (07:56):
That's it for this episode of Ed the Concrete man,
because boring concrete is solast season is so last season.
Want your space to shine andnot crack?
Call Ed at 972-292-8057 for afree in-home consultation, or
visit csiusnet.
From driveways to patios andeverything in between, if it's

(08:21):
concrete, we've got you covered.
Until next time, keep it smoothand let Ed handle the heavy
stuff.