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                                                                 Exhibit 10.243

<Table>
<Caption>
<S>                                                                                                              <C>
                                                                                                                          Pg. 1 of 2
                                                 CANANWILL INC.                                                  ===================
                           1000 MILWAUKEE AVENUE, GLENVIEW, IL 60025 - (800) 544-0666                            Contract Number
                           COMMERCIAL INSURANCE PREMIUM FINANCE AND SECURITY AGREEMENT
---------------------------------------------                                  =====================================================
NC LIC. #B-116, SC LIC. #99                                                        AGENT NUMBER                  Quote Number
                                                                                      SD097                          M1103002752AA-1
-------------------------------------------------------------------------------=====================================================
Name and address of Insured(s) (as shown in the policy) and co-obligor if         Name and Address of Insured's Agent ("Agent")
any
  MEADOW VALLEY CONTRACTORS, INC                                                    AON RISK SVCS OF IRVINE
  P.O. BOX 60726                                                                    1901 MAIN STREET STE 300
  PHOENIX AZ 85082                                                                  IRVINE CA 92614

Telephone Number: (602) 437-5400                                                  Telephone Number: (949) 608-6300
------------------------------------------------------------------------------------------------------------------------------------
Policyholder Designation (Check One):         Type of Agreement (Check One):

                     ( ) Proprietorship           (X) New                            Indicate contract number of     ---------------
( ) Partnership      (X) Corporation              ( ) Additional Premium             current policy being financed
                                                                                                                     ---------------
------------------------------------------------------------------------------------------------------------------------------------
                                           SCHEDULE OF POLICIES COVERED BY THIS AGREEMENT
------------------------------------------------------------------------------------------------------------------------------------
   FOR        POLICY NUMBER            FULL NAME OF INSURANCE COMPANY AND       TYPE OF       TERM          POLICY        POLICY
 COMPANY                             ADDRESS OF BRANCH REPORTING OFFICE AND      INSUR-       IN          EFFECTIVE      PREMIUM
USE ONLY                             FULL NAME AND ADDRESS OF GENERAL AGENT       ANCE       MONTHS          DATE
              Prefix    Number                                                                           Mo. Day Year
------------------------------------------------------------------------------------------------------------------------------------
90073           *                     ROYAL INS CO OF AMERICA (IL)                UMB        12        9   01  03     297,250.00
B0203                                 CRC INSURANCE SERVICES, INC.

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    NY. Charge under Section 2119 of New York Insurance Law for obtaining                    FLORIDA DOCUMENTARY
    and servicing these policies.                                                                      STAMP TAX           $0.00
    If none, state "None", $_________
-----------------------------------================================================-------------------------------------------------
                                      DISCLOSURE STATEMENT - PAYMENT SCHEDULE        CASH PRICE                       297,250.00
(CI LOGO)                                                                            (TOTAL PREMIUMS)
                                   Payment Plan:  (X) Monthly                      =================================================
                                                  ( ) Quarterly ( ) Annually

                                   Number of Payments   10                          First Payment Due OCTOBER 01, 2003

                                   Subsequent payments are due on the same day of each succeeding period.
====================================================================================================================================
   CASH     -     CASH    =        AMOUNT     +       FINANCE       =          TOTAL OF            AMOUNT OF EACH        ANNUAL
   PRICE          DOWN            FINANCED             CHARGE                  PAYMENTS               PAYMENT          PERCENTAGE
                PAYMENT        The amount of     The dollar amount     The amount you will have                           RATE
                              credit provided     the credit will      paid when you have made                      The cost of your
                               on your behalf.       cost you.         all scheduled payments.                        credit as a
                                                                                                                       yearly rate.
297,250.00     59,450.00         237,800.00          6,577.40                244,377.40               24,437.74           5.99%
====================================================================================================================================
                                          CANANWILL, INC. (HEREIN AFTER CALLED CANANWILL)
                                     1000 MILWAUKEE AVENUE, GLENVIEW, IL 60025 - (800) 544-0666

     Prepayment: The Insured may prepay in full at any time and receive a refund of the unearned finance charge, calculated
according to the Rule of 78's (actuarial method in AR, AZ, CA, MA, MO, NJ, OR, PA, VT; short rate method in SC), and subject to a
nonrefundable charge stated on page two. Minimum refund is $1.00 (except AK, where there is no minimum refund).

     Security Interest: The Insured assigns to Cananwill as security for payment of this agreement all sums payable to the Insured
with reference to the policies listed above, including, among other things, any gross return premiums and any payment on account of
loss which results in reduction of unearned premium in accordance with the term of said policies.

     Delinquency charge: The Insured agrees that upon default in payment of any installment five days or more (more than 5 days in
IL, MS, OH) to pay a Delinquency Charge of 5% of the delinquent installment. In AK, CA, DE, MI, MN, ND, NJ, OR, TN, TX, the
Delinquency Charge is not due until installment is in default for ten days or more, more than 10 days in MA, NM 7 days in VA.
Maximum delinquency charge is $5 in DE, MT, ND; $100 in MD; $500 in NM; 1 1/2 % of the installment in NJ with a minimum of $25. In
AK, OR: for delinquent payments of less than $250, the delinquency charge is the lesser of 5% of the payment or $5, otherwise the
delinquency charge is 2% of the payment. KS: Delinquency charge is $5 plus 2% of the installment in default.

Cancellation Charge: The Insured agrees that if a default results in cancellation of the policy(ies) to pay a Cancellation Charge in
the amount stated on page two. (Not applicable in AK, KY, TX, NC.)

     See the provisions on page two for additional information about nonpayment, default, and any repayment in full before the
scheduled date and any prepayment refunds or penalties.
====================================================================================================================================
NOTICE      1. DO NOT SIGN THIS AGREEMENT BEFORE YOU READ IT, INCLUDING THE WRITING ON PAGE TWO, OR IF IT CONTAINS ANY BLANKS. 2.
TO          YOU ARE ENTITLED TO A COMPLETELY FILLED IN COPY OF THIS AGREEMENT AT THE TIME YOU SIGN IT. 3. YOU UNDERSTAND AND HAVE
INSURED:    RECEIVED A COPY OF THIS AGREEMENT. KEEP IT TO PROTECT YOUR LEGAL RIGHTS. 4. UNDER THE LAW YOU HAVE THE RIGHT TO PAY OFF
            IN ADVANCE THE FULL AMOUNT DUE AND UNDER CERTAIN CONDITIONS TO OBTAIN A PARTIAL REFUND OF THE FINANCE CHARGE. 5. SEE
            PAGE TWO FOR IMPORTANT INFORMATION.

When used in this Agreement, "Insured" means the insured and any co-obligor named above and all insureds covered by the Policies
listed in the Schedule of Policies. Each Insured jointly and severally agrees to make all payments required by this Agreement and to
be bound by all of its provisions including those on page two. The person signing represents and warrants that he or she is
authorized to enter into this Agreement on behalf of each Insured and to bind each Insured to this Agreement. Each insured agrees
that Cananwill may send all notices under this Agreement to the Insured's address shown above. You are not required to enter into an
insurance premium financing arrangement as a condition to the purchase of any insurance policy.

By: /s/ Clint Tryon                                                                            Date  8/29/03
------------------------------------------------------------------------------------           -------------------------------
                               (Signature of Insured)

        Clint Tryon                     Secretary and Treasurer
------------------------------------------------------------------------------------
                               (Typed Name and Title)

AGENT'S REPRESENTATIONS AND WARRANTIES

The undersigned Agent has read the Insurance Agent's Representations and Warranties on page two and makes all such representations
and warranties recited therein and agrees to be bound by the terms of this Agreement.

By:                                                                                            Date
------------------------------------------------------------------------------------           -------------------------------
                                (Signature of Agent)

------------------------------------------------------------------------------------
CW-3 QMS (Ed. 01-03)           (Typed Name and Title)
</Table><PAGE>
                                                                  Exhibit 10.244

EQUIPMENT SCHEDULE NO. 3, dated September 8, 2003, to Master Lease Agreement,
dated March 31, 2003, between THE CIT GROUP/EQUIPMENT FINANCING, INC.
("Lessor") and Meadow Valley Contractors, Inc. ("Lessee").

This Equipment Schedule incorporates the terms and conditions of the
above-referenced Master Lease Agreement.

This is Originally Executed Copy No. 1 of 1 originally executed copies. Only
transfer of possession by Lessor of Originally Executed Copy No. 1 shall be
effective for purposes of perfecting an interest in this Schedule by possession.

The Equipment listed on this Schedule will be located at

4411 S. 40th Street       Phoenix           Maricopa       AZ       85040
--------------------------------------------------------------------------------
Address                   City              County         State    Zip Code

LEASE TERM: The terms of this Lease for the items described in this Schedule
shall be 60 months.

RENTALS: For said term or any portion thereof, Lessee shall pay to Lessor the
stated aggregate rentals, of which $        is herewith paid in advance and the
balance of the rentals is payable in 60 equal, successive, monthly payments as
stated, of which the first is due on the first monthly rental date set forth
below, and the others on a like date of each month thereafter, until fully paid.

<Table>
<Caption>
Item                Description of Equipment                               Aggregate         Monthly
 No.              (Include make, kind of unit,                               Rental          Rental
                 year, model and serial number.)
--------    ------------------------------------------------------        -----------       --------
<S>         <C>                                                          <C>               <C>
            One (1) Caterpillar Model 623F Scraper, S/N 6BK00104           234,917.40       3,915.29
--------    ------------------------------------------------------        -----------       --------

            And all additions, substitutions, attachments,
            replacements and accessions
--------    ------------------------------------------------------        -----------       --------

            thereof, plus the proceeds of all the foregoing.
--------    ------------------------------------------------------        -----------       --------

</Table>

<Table>
<Caption>
Item               Date Lease Term              Date of First            Renewals        Purchase
 No.                 Commences                  Monthly Rental      (No. of Years and     Option
                                                                     Amount per Year)     Price
--------    ----------------------------      ------------------    -----------------    --------
<S>         <C>                               <C>                   <C>                  <C>
                                                                     N/A                  1.00
--------    ----------------------------      ------------------    -----------------    --------

</Table>

                                                                     Page 1 of 2

<PAGE>
                                                                  Exhibit 10.244

The Lease term commences on 9-9-03 Funded Date

The first Monthly Rental is due on 10-9-03

The Lease term may be renewed for - months with the Monthly Rental for such
renewal term of N/A

The Lessee has the option to purchase the Equipment as of the last day of the
initial Lease term for $1.00

Special Provisions Instructions

ACCEPTED:

LESSEE:

Meadow Valley Contractors, Inc.

By /s/ Clint Tryon    Title   Sec / Treas.
   ---------------          ----------------

LESSOR:

The CIT Group/Equipment Financing, Inc.
--------------------------------------------

By                    Title
   ---------------          ----------------

                                                                     Page 2 of 2

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