Concrete Restoration Financing

How Concrete Restoration Contractors Can Close More HOA Jobs With Project Financing

Working with Florida condo associations isn’t for the faint of heart, especially when it comes to concrete restoration. You can pour hours into site walks, engineering reports, and detailed proposals only to hear… nothing. No decision. No vote. No check.

Let’s be real: you’re not losing these jobs because of your scope. You’re losing them because they can’t afford you.

Most HOAs in Florida are underfunded, under pressure, and overwhelmed. Thanks to Senate Bill 4D (SB 4-D), they’re now legally required to inspect and repair aging structures. But with shallow reserves and no plan to fund major work, boards freeze. Special assessments trigger homeowner panic. And you get ghosted.

This is your moment to stand out.

When you offer HOA project financing, you become more than just a contractor. You become the board’s solution.

Why HOA Concrete Jobs Stall (And How You Can Fix It)

You bid the project. The engineer signs off. Everyone agrees the structural spalling, stucco cracks, and post-tension issues are urgent. Then silence.

What’s happening behind closed doors?

• The board realizes they don’t have enough in reserves
• They panic at the cost of a special assessment
• Homeowners revolt or threaten legal action
• They delay the vote (again)
• The building keeps deteriorating

Meanwhile, buildings crumble. Concrete spalls. Balcony edges chip away. Garage ceilings flake.

And you? You sit on a bid that’s now 90 days old, wondering if you should follow up one more time.

This is the vicious cycle that tanks deals.

But HOA financing flips the script.

What Happens When You Offer HOA Project Financing

When you bundle HOA loans or reserve funding loans into your proposal, you eliminate the biggest barrier to approval: fear.

With financing, your client can:

• Fund 100% of the concrete restoration project upfront
• Avoid massive HOA special assessments
• Comply with SB 4-D requirements on time
• Spread repayment over 15–25 years
• Pay from future reserves instead of draining current ones

That gets votes. That gets you hired.

Real-Life Scenario: $3.5M Concrete Restoration. Stuck or Approved?

Let’s say you bid $3.5M on a high-rise in Miami Beach (200 Units).

Without financing: - The board needs to issue a $17,500+ per unit special assessment - Half the owners push back or demand payment plans - The board delays another year

With financing: - Monthly cost per unit = ~$175 over 25 years - No special assessment needed - Vote passes with ease

Which version of reality do you want to live in?

Why Concrete Contractors Should Care About HOA Financing

You don’t just want more bids out. You want more jobs in progress.

When you include HOA financing, you:

• Separate yourself from low-bid competitors
• Help boards solve their biggest problem
• Speed up decision-making and job starts
• Build loyalty with property managers and engineers
• Get paid faster with fewer change order headaches

This isn’t about becoming a bank. It’s about becoming a closer.

What to Say to HOA Boards

“We understand the board is under pressure to comply with SB 4-D and address these urgent repairs. We work with a financing partner that specializes in HOA and condo association loans, helping communities move forward. Instead of issuing large special assessments, you can get 100% funding to break it down into manageable monthly payments.

Request Your Concrete Restoration Financing Kit

We’ll give you: - Sample payment schedules - Co-branded proposal language - HOA financing flyers for board packages - Support presenting at meetings - Access to pre-qualified leads

If you want to win more HOA concrete jobs don’t just bid the job. Fund the job.

✅ Request your HOA Concrete Restoration Finance Kit now.

Visit HOALoans.com to get started.