AR Financing for Frankfort businesses
The state capital west of Lexington where government vendors, IT resellers, security firms and janitorial contractors serve agencies that process payments through long appropriation and approval cycles. National Invoice Factoring provides accounts receivable financing to Frankfort businesses, advancing 80%–95% of invoice value so payroll, materials and growth aren't gated by your customers' payment terms.
Kentucky's wider economy runs on automotive plants, air-cargo logistics and bourbon distribution, and Frankfort feeds into that supply chain. Approval here rests on your customers' credit rather than your own balance sheet, so younger companies across the Lexington-Fayette metro qualify alongside established ones.
Everything is handled online and by phone — there's no branch to visit in Frankfort, and no requirement to pledge real estate. Facilities run from $25,000 to $25 million and grow as your invoicing grows.
How it works in Frankfort
- 1.Deliver and invoice. You complete the work or ship the goods and invoice your customer as usual.
- 2.Submit the invoice. Upload invoices through our portal. We verify them with your customer.
- 3.Receive your advance. We wire 80%–95% of the invoice value to your account, typically within 24 hours.
- 4.Get the rebate. When your customer pays, we release the remaining balance minus our fee.
Why Frankfort companies choose National Invoice Factoring
- No real-estate collateral or personal-asset pledges required
- Facility grows automatically as your sales grow
- Approval based on your customers' credit, not just yours
- Recourse and non-recourse options
- Credit checks and collections support included
- Doesn't add long-term debt to your balance sheet
Who qualifies
- You sell to other businesses or government agencies (B2B / B2G)
- Invoices are for completed work or delivered goods
- Customers have reasonable commercial credit
- No unresolved tax liens that prevent a first-position UCC filing
What Frankfort businesses need to apply
Applying takes about ten minutes. Most Frankfort companies already have everything on this list, and nothing here affects your personal credit score.
- An accounts receivable aging report
- A sample invoice and the matching purchase order or contract
- A list of the customers you want to finance
- Articles of incorporation and your EIN
- A voided business check and photo ID for each owner
