Construction cash flow in Kentucky
Progress billing, retainage and pay-when-paid clauses leave subcontractors carrying labor and materials for months. Kentucky's economy — built on automotive plants, air-cargo logistics and bourbon distribution — depends on reliable construction providers.
Construction factoring advances against approved progress billings so you can staff and supply the next phase. We serve construction companies from Frankfort to every KY city, entirely online and by phone.
Because construction customers in Kentucky typically pay in 45–90 days, often with retainage, approval rests on their credit rather than yours. That is what lets newer KY operators finance the same invoices as established firms.
Where Kentucky construction companies put the funding
- Materials
- Crew payroll
- Bonding capacity
- Bidding larger jobs
Who qualifies
- B2B or B2G invoices for completed work
- Customers with acceptable payment history
- Business registered in the United States
- Invoices free of other liens or able to be subordinated
What Kentucky businesses need to apply
Applying takes about ten minutes. Most Kentucky companies already have everything on this list, and nothing here affects your personal credit score.
- An accounts receivable aging report
- The invoices you want to factor, with proof of delivery or completion
- A customer list with contact details for verification
- Articles of incorporation and your EIN
- A voided business check and photo ID for each owner
