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Louisville (generally pronounced i/'lu??v?l/ or i/'l?v?l/ by natives, and i/'lu?i?v?l/ by others) is the largest city in the Commonwealth of Kentucky and the 28th most populous city in the United States. It is one of two cities in Kentucky designated as first-class, with the other being the state's second-largest city of Lexington. Louisville is the historical seat and, since 2003, the nominal seat of Jefferson County.Louisville was founded in 1778 by George Rogers Clark and is named after King Louis XVI of France, making Louisville one of the oldest cities west of the Appalachian Mountains. Sited beside the Falls of the Ohio, the only major obstruction to river traffic between the upper Ohio River and the Gulf of Mexico, the settlement first grew as a portage site. It was the founding city of the Louisville and Nashville Railroad, which grew into a 6,000-mile (9,700 km) system across 13 states. Today the city is known as the home of the Kentucky Derby, Kentucky Fried Chicken, the University of Louisville and its Louisville Cardinals athletic teams, Louisville Slugger baseball bats, and three of Kentucky's six Fortune 500 companies. Its main airport is also the site of 's worldwide air hub.Since 2003, Louisville's borders have been coterminous with those of Jefferson County because of a city-county merger. The official name of this consolidated city-county government is the Louisville/Jefferson County Metro Government, with Louisville Metro used for short. Despite the merger and renaming, the term ""Jefferson County"" continues to be used in some contexts in reference to Louisville Metro, particularly including the incorporated cities outside the ""balance"" which make up Louisville proper. The city's total consolidated population as of the 2013 census estimate was 756,832. However, the balance total of 609,893 excludes other incorporated places and semi-autonomous towns within the county and is the population listed in most sources and national rankings.The Louisville-Jefferson County, KY-IN Metropolitan Statistical Area (MSA), sometimes also referred to as Kentuckiana, includes Louisville-Jefferson County and twelve surrounding counties, eight in Kentucky and four in Southern Indiana. As of 2013, the MSA had a population of 1,262,261, ranking 43rd nationally.Louisville's early economy first developed through the shipping and cargo industries. Its strategic location at the Falls of the Ohio, as well as its unique position in the central United States (within one day's road travel to 60% of the cities in the continental U.S.) make it an ideal location for the transfer of cargo along its route to other destinations. The Louisville and Portland Canal and the Louisville and Nashville Railroad were important links in water and rail transportation. Louisville's importance to the shipping industry continues today with the presence of the Worldport global air-freight hub for at Louisville International Airport. Louisville's location at the crossroads of three major Interstate highways (I-64, I-65 and I-71) also contributes to its modern-day strategic importance to the shipping and cargo industry. As of 2003, Louisville ranks as the 7th largest inland port in the United States.

 

Lexington, consolidated with Fayette County, is the second-largest city in Kentucky and the 61st largest in the United States. Known as the ""Horse Capital of the World"", it is located in the heart of Kentucky's Bluegrass region. In the 2013 US Census Estimate, the city's population was 308,428, anchoring a metropolitan area of 489,435 people and a combined statistical area of 708,677 people.Lexington ranks tenth among US cities in college education rate, with 39.5% of residents having at least a bachelor's degree. It is the location of the Kentucky Horse Park, The Red Mile and Keeneland race courses, Rupp Arena, the world's largest basketball-specific arena, Transylvania University, the University of Kentucky and Bluegrass Community & Technical College.With its abundance of government and technology jobs, Lexington has one of the nation's most stable economies. Lexington has been described as having ""a fortified economy, strong in manufacturing, technology and entrepreneurial support, benefiting from a diverse, balanced business base"". The Lexington Metro Area had a July 2008 unemployment rate of only 5.4%. Lexington was named the 4th best city for ""Businesses and Careers"" in 2011 by Magazine, the 5th best city for Young Professionals in 2008 and 6th Best Value Cities 2011 by Kiplinger. As such, the city is home to several large corporations. The city has sizable employment from four Fortune 500 companies: nc. have a large presence in the city, and Motor Manufacturing Kentucky is within the Lexington CSA in adjoining Georgetown. The city is also host to a Jif peanut butter plant that produces more peanut butter than any other factory in the world and four notable corporate headquarters: Restaurants, a restaurant chain known for root beer and root beer floats,Fazoli's, a fast food Italian chain that has expanded to more than twenty states; , International, a manufacturer of mattresses with memory foam; and the Forcht Group of Kentucky, a holding company that employs more than 2,100 people across Kentucky.

 

Owensboro is a Class-2 city in Daviess County, Kentucky, in the United States. It is the seat of its county and the 4th-largest city by population in the state. It is located on U.S. Route 60 about 107 miles (172 km) southwest of Louisville, and is the principal city of the Owensboro metropolitan area. The city's population was estimated at 58,083 in 2012, with a metropolitan population of 116,030.According to Owensboro's 2010 Comprehensive Annual Financial Report, the top employers in the city were:

 

Covington is a city in Kenton County, Kentucky, in the Upland South region of the United States. It is located at the couence of the Ohio and Licking rivers. Cincinnati, Ohio, lies to its north across the Ohio and Newport, Kentucky, to its east across the Licking. Part of the Cincinnati�Northern Kentucky metropolitan area, Covington had a population of 40,640 at the time of the 2010 U.S. census, making it the 5th-most-populous city in Kentucky. It is one of its county's two seats, along with Independence.

 

Hopkinsville is a Class 2 city in and the county seat of Christian County, Kentucky, United States. The population at the 2010 census was 31,577.Hopkinsville-Christian County is home to a wide range of businesses and industries, including Fortune 500 companies. Over 50 companies make up the local industrial community. Local industries provide a range of services and manufactured products.

 

Richmond is a city in and the county seat of Madison County, Kentucky, United States. It is named after Richmond, Virginia, and is the home of Eastern Kentucky University. The population was 31,364 at the 2010 census. Richmond is the third-largest city in the Bluegrass region (after Louisville and Lexington), the state's seventh-largest city (after Louisville, Lexington, Bowling Green, Owensboro, Covington, and Hopkinsville), and the largest city between Lexington and Knoxville located along Interstate 75. Richmond serves as the center for work and shopping for south-central Kentucky. Richmond is the principal city of the Richmond�Berea Micropolitan Statistical Area, which includes all of Madison and Rockcastle counties.The Richmond economy is supported by many diverse entities:

 

Florence is a 3rd-class city in Boone County, Kentucky, in the United States. Florence is part of the Cincinnati/Northern Kentucky metropolitan area. The population was 29,951 at the 2010 census.

 

Henderson is a 2nd-class city along the Ohio River in Henderson County in western Kentucky in the United States. The population was 28,757 at the 2010 U.S. census. It is part of the Evansville Metropolitan Area, locally known as the ""Kentuckiana"" or the ""Tri-State Area"".Notable residents have included the ornithologist, naturalist, and painter John James Audubon and blues legend W.C. Handy. For more than 100 years the city has been home to the Southern Cherokee Nation.The county has numerous industries, including aluminum production, automotive and appliance parts, plastic injection molding, tool and die making, food processing and processing of recycled materials. In June 2008, of the 20,205 jobs in Henderson, almost 12% were government jobs. It also ranks as one of Kentucky's top three corn and soybean producers. Henderson is also one of the state's leading coal producers, with over 2.8 million tons produced in 2004.

 

Elizabethtown is a class 2 city in Hardin County, Kentucky, in the United States. It is the seat of its county. The population was estimated at 29,335 by the United States Census in 2012, making it the 10th-largest city in the state. It is included in (and the principal city of) the Elizabethtown, Kentucky, Metropolitan Statistical Area, which is included in the Louisville�Jefferson County�Elizabethtown�Scottsburg, Kentucky-Indiana Combined Statistical Area.

 

Nicholasville is a 2nd-class city in Jessamine County, Kentucky, in the United States. It is the seat of its county. The population was 28,015 during the 2010 U.S. Census, making Nicholasville the 11th-largest settlement in the state. In the last few decades, Nicholasville has experienced rapid growth; the population increased 380% between 1970 and 2010. An official city report published in 2009 declared that ""the Welcome mat is out in Nicholasville"" for new residents and businesses, and claimed this growth to be ""the envy of other cities across the state.""[4] The city serves as both a residential area for Lexington-area commuters and as an employment and shopping center for central Kentucky.The city is home to the Kentucky Wine & Vine Fest.[5] The annual festival showcases wines from commercial vineyards and amateur winemakers from across Kentucky and the surrounding region, and has been named the ""Official Wine Festival of Kentucky"" by the Kentucky state legislature.[6] The event is unhindered by inclement weather, pledging to be held ""rain or shine"".

 

Jeffersontown is a 2nd-class city in Jefferson County, Kentucky, in the United States. The population was 26,595 at the 2010 U.S. census.It is a major suburb of Louisville: when the Louisville Metro government was established in 2003, Jeffersontown remained an independent city. It is the metro area's largest municipality outside of Louisville.[citation needed]The Bluegrass Commerce Park (formerly known as The Bluegrass Research & Industrial Park) opened on 600 acres (2.4 km2) in 1966. Created with an attractive, park-like setting, it was the first such development in the United States. Today, Bluegrass Commerce Park takes in over 1,800 acres (7.3 km2) and is home to approximately 850 businesses. The park is the largest in the state of Kentucky, and the 38,000 employees make the park and Jeffersontown the third-largest city of employment in the state. The park's seven units include:

 

Frankfort is the capital of the Commonwealth of Kentucky and the seat of Franklin County. Based on population it is the fifth-smallest state capital in the United States and a 2nd-class city in Kentucky; the population was 25,527 at the 2010 census. Located on the Kentucky River, Frankfort is the principal city of the Frankfort, Kentucky Micropolitan Statistical Area, which includes all of Franklin and Anderson counties.

 

Paducah is the county seat of McCracken County, Kentucky, United States.[5] The largest city in the Jackson Purchase region, it is located at the couence of the Tennessee and the Ohio Rivers, halfway between St. Louis, Missouri, to the northwest and Nashville, Tennessee, to the southeast. The population was 25,024 during the 2010 U.S. Census.[6] Twenty blocks of the city's downtown have been designated as an historic district and listed on the National Register of Historic Places.Paducah is the hub of its micropolitan area, which includes McCracken, Ballard, and Livingston counties in Kentucky and Massac County in Illinois. A federal National Weather Service Forecast Office is based in Paducah, providing weather information to western Kentucky, southeastern Missouri, southern Illinois, and southwestern Indiana.

 

Independence is a 3rd-class city in Kenton County, Kentucky, in the United States. It is one of its county's two seats of government. Independence is a suburb of Cincinnati, Ohio, and the population was 24,757 at the time of the 2010 U.S. census.The current mayor of Independence is Donna G. Yeager.

 

Radcliff is a 2nd-class city in Hardin County, Kentucky, in the United States. The population was 21,961 during the year 2000 U.S. Census. It is included in the Elizabethtown metropolitan area.Its economy is largely dominated by the adjacent army base Fort Knox and by nearby Elizabethtown. Radcliff's population previously fluctuated greatly depending on the deployments of the units at the base, but the BRAC reorganization and the quartering of the U.S. Army's Human Resources Command to Fort Knox has created a larger and more stable population.

 

Ashland is a Class-2 city in Boyd County, Kentucky, in the United States. It is located upon the southern bank of the Ohio River. The population was 21,684 at the 2010 census. Ashland is a part of the Huntington-Ashland-Ironton metropolitan area. As of the 2010 census, the MSA had a population of 287,702. New definitions from February 28, 2013 placed the population at 363,000. Ashland is the second-largest city within the MSA, after Huntington, West Virginia. Ashland serves as an important economic and medical center for northeast Kentucky and is part of the fifth-largest metropolitan area in Kentucky.A major steel producer formed from Steel Company L.P, which was a limited partnership between Armco and Kawasaki in 1994. AK Steel eventually purchased Steel Inc. At one time Armco employed over 4,000 people at its West Works, Foundry, and Coke Plant. AK Steel currently employs under 1,000 after the closing of the Foundry and Coke Plant and the downsizing of its West Works.

 

Madisonville is a 4th-class city in and the county seat of Hopkins County, Kentucky, United States, located along the Pennyrile Parkway in the state's Western Coal Fields region. The population was 19,307 at the 2000 census. Madisonville is a commercial center of the region and is home to Madisonville Community College.Because of its location near important roadways, Madisonville is a leading manufacturing hub for western Kentucky. Industrial and factory production has revitalized the local post-coal economy.

 

Winchester (Shawnee: Eskippakithiki) is a city in and the county seat of Clark County, Kentucky, United States. The population was 18,368 at the 2010 census. It is part of the Lexington-Fayette, KY Metropolitan Statistical Area.Major employers in Winchester include:

 

Erlanger, Kentucky is a city in the United States, with a 2010 census population of 18,368. It was named after the Parisian family bank of Emile d'Erlanger which helped finance the town's early development, but the name is not pronounced with a French or German accent.Nearby Elsmere was originally known as ""South Erlanger"".Toyota Boshoku America is located in Erlanger.

 

Murray is a 3rd-class city in Calloway County, Kentucky, in the United States. It is the seat of its county and the 22nd-largest city in Kentucky. The city's population was 17,741 during the 2010 U.S. census,[4] and its micropolitan area's population was 37,191.It is the home of Murray State University.

 

St. Matthews is a city in Jefferson County, Kentucky, United States. It forms part of the Louisville Metro government but is separately incorporated as a 4th-class city. The population was 15,852 at the 2000 census, making it the 20th-largest city in the state.St. Matthews is one of the state's major shopping areas, home to the 2nd- and 5th-largest malls in Kentucky (Mall St. Matthews and Oxmoor Center), along with many smaller shopping centers along Shelbyville Road.

 

Fort Thomas is a 3rd-class city in Campbell County, Kentucky, on the southern bank of the Ohio River and the site of an 1890 US Army post. The population was 16,325 at the 2010 census, making it the largest city in Campbell County and it is officially part of the Cincinnati � Northern Kentucky metropolitan area.

 

Danville is a Class 3 city in Boyle County, Kentucky, in the United States. It is the seat of its county. The population was 16,218 at the 2010 census. Danville is the principal city of the Danville Micropolitan Statistical Area, which includes all of Boyle and Lincoln counties.In 2001, Danville received a Great American Main Street Award from the National Trust for Historic Preservation.[4] In 2011, Money magazine placed Danville as the fourth-best place to retire in the United States.[5] Danville has recently been twice chosen to host U.S. Vice-Presidential debates, in 2000 and in 2012.[6]

 

Newport is a 3rd-class city at the couence of the Ohio and Licking rivers in Campbell County, Kentucky, in the United States. The population was 15,273 at the 2010 census. Historically, it was one of four county seats of Campbell County. Newport is part of the Cincinnati Metropolitan Area, which includes over 2 million inhabitants.Local TV is based in Newport.

 

Shively is a 3rd-class city in Jefferson County, Kentucky, United States and a suburb of Louisville within the Louisville Metro government. As of the 2010 Census, the city's population was 15,264, reflecting an increase of 107 (+0.7%) from the 15,157 counted in the 2000 Census.

 

Shelbyville is a third-class city in and the county seat of Shelby County, Kentucky, United States.[5] The population was 14,045 at the 2010 census.[6]

 

Glasgow is a 3rd-class city in Barren County, Kentucky, in the United States. It is the seat of its county. The population was 14,028 at the 2010 U.S. census. The city is well known for its annual Scottish Highland Games. In 2007, Barren County was named the number one rural place to live by The Progressive Farmer magazine. Glasgow is the principal city of the Glasgow micropolitan area, which comprises Barren and Metcalfe counties.

 

Berea is a Class 3 city in Madison County, Kentucky, in the United States. The town is best known for its art festivals, historic restaurants and buildings, and as the home to Berea College, a private, liberal arts college. The population was 13,561 at the 2010 census. It is one of the fastest-growing towns in Kentucky, having increased by 27.4% since 2000.Due to the high number of arts and crafts produced, Berea is a tourist attraction. It hosts several crafts festivals throughout the year. Berea also hosts a Spoonbread Festival in mid-September, which features a cornmeal bread traditionally served with a wooden spoon.Berea is a principal city of the Richmond-Berea Micropolitan Statistical Area, which includes Madison and Rockcastle counties. It was formally incorporated by the state assembly in 1890.

 

Shepherdsville is a 4th-class city on the Salt River in Bullitt County, Kentucky, in the United States. It is the seat of its county, located just south of Louisville. The population was 11,222 during the 2010 U.S. Census.

 

Somerset is a city in Pulaski County, Kentucky, United States. The city population was 11,196 according to the 2010 census.Tourism is important to Somerset, due to its proximity to Lake Cumberland and other events. Lake Cumberland alone generates approximately $150 million in revenue each year.[6] The city holds the annual Master Musician's Festival. Somerset is home to the Somernites Cruise, the largest monthly car show in the southeastern United States. The Civil War Battle of Mill Springs took place in nearby Nancy and the reenactments held there often draw large crowds. In November 2006, the Mill Springs Battlefield Visitor Center and Museum opened. Their efforts focus on the preservation of the battlefield while providing educational resources to visitors.

 

Lyndon is a 4th-class city in Jefferson County, Kentucky, in the United States. The population was 9,369 at the time of the year 2000 U.S. census.Incorporated on May 10, 1965, Lyndon became part of the new Louisville Metro government in 2003. It remains an independent city with its own mayor and emergency services and is not counted in Louisville's population although its citizens can vote for the mayor of Louisville and Metro Council members.Kroger's Mid-South offices are in Lyndon.[6]

 

Middlesboro (local /'m?d?lzb?r?/) is a 3rd-class city in Bell County, Kentucky, United States. The population was 10,334 at the 2010 U.S. census, while its micropolitan area had a population of 69,060.[4]It is located 1 mile west of the Cumberland Gap and is the largest city in southeastern Kentucky.[5] It is located entirely between Pine Mountain and the Cumberland Mountains in the Middlesboro Basin, which geologists believe to be an enormous meteor crater (one of three known astroblemes in the state). The city claims to be the only one in the United States built entirely inside such a crater,[6] as well as the home of ragtime music and the oldest continuously-played golf course in the country.

 

Mayfield is a 3rd-class city in Graves County, Kentucky, in the United States. It is the seat of its county.[6] The population was 10,024 as of the 2010 U.S. census.

 

Campbellsville is a 3rd-class city in Taylor County, Kentucky, United States. The population within city limits was 10,604 at the 2010 U.S. census. It is the seat of its county, and the home of Campbellsville University. Campbellsville is twinned with Buncrana in County Donegal, Ireland.In the 20th century, Campbellsville was a regional center of industry (agriculture, lumber, textiles, milling, automotive, distribution, oil and gas, light manufacturing, education, health care, and tourism).

 

Maysville is a 3rd-class city in Mason County, Kentucky, United States and is the seat of Mason County. The population was 9,011 at the 2010 census, making it the 40th-largest city in Kentucky by population. Maysville is on the Ohio River, 66 miles (106 km) northeast of Lexington. It is the principal city of the Maysville Micropolitan Statistical Area, which includes Mason and Lewis counties. Two bridges cross the Ohio from Maysville to Aberdeen: the Simon Kenton Memorial Bridge built in 1931 and the William H. Harsha Bridge built in 2001.On the edge of the outer Bluegrass Region, Maysville was historically important in Kentucky's settlement. Frontiersmen Simon Kenton and Daniel Boone were among the city's founders. Later, Maysville was an important port on the Ohio River for the northeastern part of the state. It exported bourbon whiskey, hemp and tobacco, the latter two produced mainly by African American slaves before the Civil War.[citation needed] It was once a center of wrought iron manufacture, sending ironwork downriver to decorate the buildings of Cincinnati, Ohio, and New Orleans, Louisiana. Other small manufacturers also located early in Maysville and manufacturing remains an important part of the modern economy. Under the leadership of Henry Means Walker, Maysville was home to one of the largest tobacco auction warehouses in the world for most of the 20th century.[4]Maysville was an important stop on the Underground Railroad, as the free state of Ohio was just across the river.[5] abolitionist author Harriet Beecher Stowe visited the area in 1833 and watched a slave auction in front of the court house in Washington, the original seat of the county and now a historic district of Maysville.[6] She included the scene in her iuential novel Uncle Tom's Cabin, published in 1852.The Underground Railroad was very active in Maysville, Kentucky because slaves only had to cross the Ohio River into Ohio to be free. One of the most successful ""conductors"" to work in the area was Josiah Henson. Josiah Henson (a Kentucky native) is believed to be credited with helping thirty slaves from the area around Maysville, Kentucky into Ripley, Ohio, and then from there, into Cincinnati, Ohio and giving them their freedom. One of the stops of the Underground Railroad in Maysville, Kentucky was a place known as the Armstrong House.[citation needed]The annual Rosemary Clooney Music Festival was founded by the singer in 1999 to benefit the restoration of the Russell Theatre. Past performers at the festival include Debby Boone, Rita Coolidge, Michael Feinstein, Roberta Flack, Alison Krauss, The Pointer Sisters, and Linda Ronstadt. The Ledger Independent is the local newspaper and is published five days a week. WFTM-AM and WFTM-FM are the primary local radio stations in Maysville. The AM station plays adult standards, and the FM plays adult contemporary music.

 

Edgewood is a 4th-class city in Kenton County, Kentucky, in the United States. The population was 9,400 at the 2000 census. It was named for an early homestead in Walker Estates.Edgewood was incorporated by act of the state assembly on November 15, 1948. In 1968, it merged with two nearby cities � Summit Hills Heights (inc.?1962) and Pius Heights (inc.?1965). The new city government began operation on January 1, 1969.

 

Versailles is a city in Woodford County, Kentucky, United States and is located near Lexington. It is part of the Lexington-Fayette Metropolitan Statistical Area. The population was 8,568 at the 2010 census. It is the county seat of Woodford County. The city's name is pronounced differently from the French city of the same name: i/v?r'se?lz/ v?r-SAYLZ.In the Inner Bluegrass Region, the area is a center for horse breeding and training, for thoroughbred and standardbred racehorses, and saddlebred pleasure horses.

 

Alexandria is a 4th-class city in Campbell County, Kentucky, in the United States. Along with Newport, it is one of the dual seats of the county. The population was 8,477 at the 2010 census.

 

Elsmere is a 4th-class city in Kenton County, Kentucky, in the United States. The population was 8,451 at the 2010 census.

 

Franklin is a 4th-class city in and the county seat of Simpson County, Kentucky, United States. The population was 8,408 at the 2010 census.

 

Harrodsburg is a 4th-class city in Mercer County, Kentucky, in the United States. It is the seat of its county. The population was 8,340 at the 2010 census.Although Harrodsburg was formally established by the House of Burgesses after Boonesborough and was not incorporated by the Kentucky legislature until 1836, it is usual"

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of Montgomery County and the principal city of the Mount Sterling micropolitan area.

 

Morehead is a 4th-class city located along US 60 (the historic Midland Trail) and Interstate 64 in Rowan County, Kentucky, in the United States. It is the seat of its county. The population was 6,845 at the time of the 2010 U.S. census.It was the focal point of the Rowan County War and is the home of Morehead State University.

 

Leitchfield is the county seat of Grayson County, Kentucky, United States. Leitchfield categorizes as a 4th-class city, with a population of 6,699 as of the 2010 census.

 

Taylor Mill is a 4th-class city in Kenton County, Kentucky, in the United States. The population was 6,913 during the year 2000 U.S. census.

 

Cynthiana is a 4th-class city in Harrison County, Kentucky, in the United States. The population was 6,402 at the 2010 census. It is the seat of its county and is located roughly halfway between Cincinnati and Lexington.

 

Princeton is a 4th-class city in Caldwell County, Kentucky, in the United States. It is the seat of its county. The population was 6,329 during the 2010 U.S. Census.Princeton is home to several notable attractions such as Adsmore Museum, Champion-Shepherdson House (home of the Princeton Art Guild), University of Kentucky Research and Education Center Botanical Garden, is a major employer in Princeton. Agriculture, tourism and retail are also significant sectors of the economy.

 

Monticello is a 4th-class city in Wayne County, Kentucky, in the United States. It is the seat of its county. The population was 6,188 at the time of the 2010 U.S. census.Monticello advertises itself as ""The Houseboat Capital of the World"" due to the large number of houseboat manufacturers in the city. The city sits next to Lake Cumberland, and much of its economy is built on serving the recreational and tourist traffic to the lake.Monticello attorney Sara Beth Gregory is the current District 16 member of the Kentucky State Senate, representing Wayne, Adair, Clinton, Cumberland, McCreary, Russell, and Taylor counties. She is a former member of the Kentucky House of Representatives. The District 52 House seat is again held by Ken Upchurch of Monticello.

 

Bellevue is a 4th-class city in Campbell County, Kentucky, in the United States. It is located along the southern bank of the Ohio River. The population was 5,955 at the 2010 census.

 

Cold Spring is a 5th-class city in Campbell County, Kentucky, in the United States. The population was 5,912 at the 2010 census, up from 3,806 at the 2000 census. It is part of the Cincinnati-Northern Kentucky metropolitan area.The organization Disabled American Veterans is based in Cold Spring.

 

Fort Wright is a 4th-class city in Kenton County, Kentucky, in the United States. The population was 5,723 at the 2010 census.

 

Lebanon is a 4th-class city in Marion County, Kentucky, in the United States. The population was 6,331 at the 2010 census. It is the seat of its county. Lebanon is located in central Kentucky, southeast of Louisville. A national cemetery is located nearby.Lebanon is renowned for its Ham Days Festival and Tractor Show which is held during the last weekend of September. In the 1960s and early 1970s, it was known as an entertainment hotspot, as nationally known acts appeared at Club nightclubs.

 

Douglass Hills is a 4th-class city in eastern Jefferson County, Kentucky, in the United States. The population was 5,718 at the 2000 census.

 

Union is a city in Boone County, Kentucky, United States. The population was 5,379 in the 2010 Census. The area was rural until mass residential growth in 1990s and 2000s, this created the city into many subdivisions and neighborhoods.

 

Williamsburg is a city in and the county seat of Whitley County, Kentucky, United States. The population was 5,245 at the 2010 census. The city was founded in 1818 and named after William Whitley. The Cumberland River flows through the city.Top Employers:

 

Prospect is a neighborhood of Louisville, Kentucky, in the United States. It forms part of the Louisville Metro government although it is separately incorporated as a 3rd-class city and lies partially within Oldham County. The population was 4,657 at the time of the year 2000 U.S. Census. It is one of the wealthiest communities in Kentucky.

 

Crestwood is a 5th-class city in Oldham County, Kentucky, United States just outside of Louisville's Northeast End. The population was 1,999 at the 2000 census. CNN listed it as the 52nd best place to live in America in 2005. It was first settled in the early 19th century and renamed Crestwood in 1909.

 

Vine Grove is a city in Hardin County, Kentucky, United States. The population was 4,169 at the 2000 census. It is part of the Elizabethtown, Kentucky Metropolitan Statistical Area.

 

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Kentucky

 

Your Company could have heard of factoring but most people might mistake what it is or more significantly exactly what it might do for your company. Truck Factoring also understood as receivables financing is a kind of asset based financing that will improve a business' short-term cash needs. It is not a loan; no debt is taken on by truck factoring ,and the money is unrestricted. Accounts Receivables Loans Companies in Factoring Consultant Factoring Companies in Kentucky at Staffingresource.org- offering immediate cash flow services factoring-companies-in-kentucky

Staffingresource.org-Factoring Companies in Kentucky

Louisville

Kentucky

Accounts Receivables Loans Companies

The trucking company presents their accounts to the factoring firm. The trucking factoring provider then receive the installment payments from the trucking company's customers. Factoring has been all around for centuries and has been utilized for several years by plenty of various business sectors-- but none exceeding so than truckers. While you may miss out on a small part of the money, something like 1-3 % depending upon who you team up with, it signifies that you are acquiring the funds today and can actually begin putting the cash to function.

 

 

Receivableservices.Org

Small Invoice Factoring Companies

This signifies that a truck company can pay off the paychecks of the personnel, keep all the cars refilled with gas and continue to scale, grow and expand without consistently waiting for the resources which is taking too lengthy to come in. Trucking Establishments working without a factoring system established are leaving themselves at substantial risk, as competitions cash out rapidly and carry on to grow.

 

 



Invoice Factoring Companies Reviews at Katebuckman.Com

 

Today Kentucky's economy has expanded to importance in non agricultural terms as well, especially in auto manufacturing, energy fuel production, and medical facilities. As of 2010 24% of electricity produced in the USA depended on either enriched uranium rods coming from the Paducah Gaseous Diffusion Plant (the only domestic site of low grade uranium enrichment), or from the 107,336 tons of coal extracted from the state's two coal fields (which combined produce 4% percent of the electricity in the United States). Kentucky ranks 4th among U.S. states in the number of automobiles and trucks assembled.[63] The Chevrolet Corvette, Cadillac XLR (2004�2009), Ford Escape, Ford Super Duty trucks, Ford Expedition, Lincoln Navigator, Toyota Camry, Toyota Avalon, Toyota Solara, and Toyota Venza are assembled in Kentucky.

 

Freight Forwarding Factoring

The trucking company presents their accounts to the factoring firm. The trucking factoring provider then receive the installment payments from the trucking company's customers. Factoring has been all around for centuries and has been utilized for several years by plenty of various business sectors-- but none exceeding so than truckers. While you may miss out on a small part of the money, something like 1-3 % depending upon who you team up with, it signifies that you are acquiring the funds today and can actually begin putting the cash to function.

 

 



Invoice Factoring Companies Reviews at Katebuckman.Com

 

 

 

Oilfield Services Factoring

 

Oilfield Services Factoring

 

At one time or another, every company, even successful ones, have experienced poor money flow.

Cash flow does not have to be an issue any more. Do not be deceived -- banks are not the only places you can get financing. Other options are offered and you do not have to borrow. Exactly what is trucking factoring ? One option is called truck factoring. Trucking Factoring is the procedure of selling invoices to an investor instead of waiting to gather the cash from the client. Oh, the Irony- Trucking factoring has an ironic distinction: It is the financial foundation of numerous of America's most effective companies. Why is this paradoxical ? Because receivable financing is not taught in business colleges, is rarely discussed in business strategies and is fairly unknown to the majority of most of American business people.

Yet it is a monetary process that releases up billions of dollars every year, allowing thousands of companies to grow and succeed. Receivable Funding has actually been around for thousands of years. FACTORING Businesses are financiers who pay cash for the right to get the future payments on your invoices. An unpaid receivable or invoice has value. It is a debt your client has agreed pay in the near future. Factoring Principals--Although factoring offers exclusively with business-to-business transactions, a big portion of the retail company utilizes a factoring principal. MasterCard, Visa, and American Express all utilize a form of factoring in their retail transactions. Utilizing the purest meaning of the word, these big consumer finance companies are really simply big Commercial Factoring Businesses of consumer paper. Consider it: You purchase at Sears and charge it to your MasterCard. The shop gets paid almost immediately, although you do not make payment until you are prepared.

For this service, the credit card company charges Sears a charge (typical common normal charges range from 2 to four percent of the sale). The Advantages Invoice Factoring can offer numerous benefits to cash-hungry business. Instead of waiting 30, 60, 90 days or longer for payment on a product that has actually currently been delivered, a company can factor (sell) its receivables for money at a small discount off the dollar value of the invoice. Payroll, marketing efforts, and working capital are simply a few of the business requirements that can be met with instant  cash.

Invoice Factoring offers the means for a producer to renew inventory and make even more items to sell: There is no longer a requirement to wait for earlier sales to be paid. FACTORING is not just a cash management tool for producers: Practically any type business can take advantage of Invoice Factoring. Generally, a company that extends credit will have 10 to 20 percent of its yearly sales bound in invoices at any given time. Think for a moment about how much is bound in 60 days' worth of invoices: You can not pay the power bill or this week s payroll with a customer s invoice, but you can sell that invoice for the money to satisfy those obligations. Using trucking factoring companies is a fast and simple procedure. The factor buys the invoice at a discount, typically a few percentage points less than the stated value of the invoice.

Invoice Factoring Companies Reviews at Olympiccreditfund.Com

 

Factoring Companies in Kentucky

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The American Transportation Organization
states that there around
205,000 employees with freight trucking
businesses and
250,000 private service providers trucking
companies certified to
run in the States that transported,
according to their newest listings of millions of
items, materials and
basic products .
There are a number of typical
providers either going solo or in
teams on our nation
roads carrying these
crucial products to our
shops, manufacturingplants and harbors.

Also  trucking factoring
corporations support
numerous of them and offer their
receivable loan services
nationwide comprising
including the following states.


: Alabama, Alaska, Arizona, Arkansas, California, Colorado, Connecticut, Delaware,Florida,
Georgia, Hawaii, Idaho State,Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine,
Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska,
Nevada, New Hampshire, New Jersey, New Mexico, New York, North Carolina,
North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina,
South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, Washington, West Virginia,
Wisconsin, and Wyoming

Factoring Companies in Kentucky

 

Watch Our Truck Factoring Companies YouTube Videos For More Information

 

Oilfield services Receivables Financing company Calculator
This calculator will show you how much you will make by using our Oilfield services Receivables Financing company . But, as your about todiscover, youwill certainly notice the increased cash flow that will occur when you use our Oilfield services Receivables Financing company
Enter the principal balance of your Oilfield services Receivables Financing company
(call your Oilfield services Receivables Financing company lender and ask for the current payoff amount):
Enter the amount of your monthly Oilfield services Receivables Financing company payment:
(invoice amount):
Enter the your Oilfield services Receivables Financing company's current interest rate:

If you're like most drivers, you're looking for a better company in trucking that might be offering the best jobs in terms of pay, freight, and hometime ' not to mention benefits or a sign on bonus. We've got all of our clients listed based on the states where they're hiring, so you can quickly find the best job in your home state. You'll see the very best nationwide trucking companies that have positions available.

 

EveryJob is a free service dedicated to helping professional truck drivers find new truck driving jobs with the best trucking companies hiring today!

Locate truck driving jobs by city, state, position andenefits offered. Search current driving jobs and fill out the EZ truck driver application customized for cdl trucking jobs

 

If you're like most drivers, you're looking for a better company in trucking that might be offering the best jobs in terms of pay, freight, and hometime ' not to mention benefits or a sign on bonus. We've got all of our clients listed based on the states where they're hiring, so you can quickly find the best job in your home state. You'll see the very best nationwide trucking companies that have positions available.

 

Life of a Truck driver, like many other professionals can be very challenging, rewarding, and frustrating at the same time. �The com� is an information site for many of the Truckers needs. It is designed to encompass the needs of the Trucker, both on the Road and at Home.

List of Trucking Companies for Owner/Operators and Company Drivers

 

Searching for the right trucking companies to move your freight can be tough, with the large amount of local, regional, and national truck carriers out there. Center helps make freight shipping simple, finding you the safest, reliable trucking companies every time you ship. Trucking companies are licensed and insured to carry freight safely and efficiently across the country, no matter the size or type of freight you need to ship.Plus, with the high volume of freight we move, we will work to get you the best freight rates possible. Simply enter in a few details below and you�ll see instant freight rates from all the top trucking companies in one easy screen

 

EveryJob is a free service dedicated to helping professional truck drivers find new truck driving jobs with the best trucking companies hiring today!

Locate truck driving jobs by city, state, position andenefits offered. Search current driving jobs and fill out the EZ truck driver application customized for cdl trucking jobs

 

 

 

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Best Factoring Companies-Factoringgovernmentreceivables.Org

 

 

 

I gave away my receivables - and made more money too

 

"

�So It is not a loan?� Zachary Ortiz asked as he leaned back in his chair, crossing his legs. The woman sitting across the desk from Zachary smiled at him, shaking her head.�No, not exactly,� she stated.Zachary Ortiz owned a small trucking company, and his business had recently fallen on difficult times. Certainly the trucking business can be an extremely profitable venture, and for many years it had been that way for Lawrence. His company was called Medina Trucking, named after both of his grandfathers, Lester and Chester. Both of these men had been very hardworking and had set a great example for Lawrence.Disaster had struck half a year ago, when two trucks in Lawrence�s fifteen truck fleet went down. One was involved in a very costly accident, and the other simply rolled over, and headed to the trucking graveyard. Zachary depended on his full fleet, and missing two trucks was devastating . In addition, he just did not have the available cash to buy a new truck, plus repair the other one.Paying of bills in the trucking industry is always a major cause for concern for businesses.

 

You could go a month or more before bills were completely paid off. In the long run, this wasn�t an issue, but if problems arose, you could find yourself in trouble.Zachary was an excellent business man, and he certainly hadn't done anything wrong. Certain events had occurred that he could not possibly have predicted, and now he had to find a way to protect his business and prevent it from ultimate devastation.And that's why he found himself across the desk from this woman. Her name was Valerie and she worked for a factoring company. Zachary had come across her company as he sat in his office late one night, pouring over the internet for some solution to his problem long after his employees had gone home.She sat there now, and explained. �it is really not a loan at all: we actually buy your accounts receivable. we are not giving you finance to be repaid later: we are purchasing something from you, and when you can you can buy it back. This is a win-win situation: we are protected from a total loss, and you're protected from the ridiculous fees and charges you'd have to pay if you borrowed from a bank.Zachary nodded. It sounded perfect - perhaps too good?.The woman laughed. �You look like you don�t believe me,� she chuckled.�No, I do, I just think it sounds a bit too good to be true. I thought I was going to lose my company.�Valerie smiled, agreeing. �Yes, we get a lot of that. There's no way we want to see you lose your business. You work hard, you�ve put everything you can into it. Sometimes you need help. That�s what we�re here for.""Well, I'm very grateful that you came to see me today.""No problem - I'm just down the road. We normally do it all online but I was happy to come and visit you today,� Valerie said with a smile. �Let's work out a solution to your problem.�And right there and then they created a business profile. Zachary filled the form out, with Valerie available to help him if he needed it. The profile filled Valerie and her company in on Lawrence�s company, and would help them determine if he was suitable for factoring. Unfortunately, not all companies are. Some were beyond factoring special brand of help, and sometimes things weren�t even dire enough for it. Listening as Zachary filled out his form, Valerie was pretty sure he was a perfect candidate for factoring.Valerie took the completed form and placed it in her briefcase. Standing up, she reached over the desk and shook Lawrence's hand. He stood before they shook as well, and then smiled. Zachary walked Valerie to the door where they said 'Goodbye', then he went back into his office.His employees were there, seven who worked in the office, and as he sat behind his desk once more he heard the familiar clack of fingers on keyboards, the electronic whine of the copy machine.He leaned back and closed his eyes. He felt so drained: he had been flailing helplessly for so long, he just knew his business was going to collapse and probably take him with it. But now, after speaking to Valerie and learning all about Factoring, he felt such a huge relief, like someone had just lifted a huge weight off his shoulders. He sat back in his chair and ran a hand through his graying but still thick black hair.The long nights, where he couldn�t sleep. The sudden panic attacks, not matter where he was. He could feel it all fading away. He wasn�t out of the woods yet, there was still a lot of work to be done, but he could feel it. He was still here; he knew this was the right path for him, and he felt proud that he had taken the appropriate steps to sort out his problems.His mind wandered back to the very beginning, when he first started his business. He had opened a restaurant at age twenty two when he was fresh out of school. It had been successful. Home cooking in his hometown, and he had done very well.But he had gotten bored. He wasn't passionate about the food industry. He thought long and hard, and then he decided to sell the restaurant. He took six months off, and during that time he decided to create Medina Trucking. And that's exactly what he did. For the second time in his short life he created a company from the ground up. He had been successful.And then the trucks went down, and his success looked to be in flux. He was about to turn fifty. He didn�t think he had it in him, to save this company. But giving up wasn't part of his personality either.

 

The idea of cutting his losses, shutting down, laying off his workers, it actually made him sick some nights. He did not want to quit - both for himself and for his staff members.And now it seemed as though he would not have to - all because of Factoring. Zachary opened his eyes, sat forward, turned his computer on. He had things to do. There would be plenty of time later to be thankful, but for now it was time to get back to work.

 

"

 

 

 

 

More Freight Invoice Factoring -Articles

Best Factoring Companies-Factoringgovernmentreceivables.Org

 

 

 

Trucking Factoring Companies Reviews

 

"

Richards Truck and Haul has been in business since the mid 1980s. For more than twenty years they've been delivering goods for most major industries in the nation, with business booming as they traversed the country, in all kinds of weather, for all kinds of clients. During the boom times from 2002 to 2007 Richards Truck & Haul was the mastermind of a top-rated accounts receivable in the trucking industry. Few customers were ever late on bills and those clients who were, were sure to turn in their late payments within a reasonable amount of time. Cash was flowing and times were good for all.It was just one year later, in 2008, when the economy in the United States took a sharp decline, and both large and small businesses started to notice the squeeze on their pocketbooks: everyone had suddenly gone silent. Business slowed down. And worse yet, Richards had noticed during the early part of 2008 that though the bulk of their clients were always on time with payments, the few late-bloomers there were, had seemingly started to spread this illness. Spring changed to summer, summer changed to fall, and the CEO of Richards, Ben Reynolds, was beginning to feel very uncomfortable indeed whenever he looked at their weekly Accounts Receivable reports. The numbers of clients who owed him back debt were growing.He had already been to the administrators to ask what the actual problem was. Were they doing things different, or wrong, when it came to collecting overdue accounts? By his bookkeepers records, this wasn't the case. Perhaps he was losing his customers to his competitor, who seemed to offer very low prices with no guarantee of quality or performance, and these clients who were in debt to his company had possibly disappeared leaving him stranded. Perhaps they were unable to pay their debt to him, but were able to meet the costs of a lesser service. But after doing the cursory research for this and talking to friends in the field, he found that alas, no, customers of Richards hadn't gone elsewhere. The had just gone!.The situation looked dire to Ben Reynolds. He had employees to pay, goods to ship, trucks to maintain and overhead that was almost unbearable when compared against the lack of funds that were coming in. After work he would confide in his wife, Wilma, and neither were unable to stop the constant worry over the lack of funds.""I have a bad feeling, Lin,"" he'd sadly say to his wife.""Well, what do you think it is?"" she would ask.Ben would stare off for a moment and then close eyes. He could see the fleet of trucks he had purchased over the years. He could see them on the road, delivering good to all his loyal customers. But then a haze would cover his trucks and his vast fleet would vanish to leave just a few. What could cause this ultimate death spiral of business?""I think I know what it could be,"" said Ben. ""I've relied too long on the profits I receive from invoices alone. For too long I've been allowing our clients to let their accounts become overdue."" All Wilma could do was hold his hand and look at him tenderly. 'We know it is a difficult economy at the moment - perhaps it will take a while for people to get on top of their bills'.""Ben knew very well that Wilma was only trying to help, but his responsibilities weighed heavily on his shoulders and he knew he had better do something soon to resolve this situation.The following day Ben walked into his office with a spring in his step, determined to call each and every client who owed money to Richards Truck & Haul. This wasn't really a very efficient way for a Chief Executive to spend his day, and Ben knew he should be overseeing all the other sides of the business, such as shipments and deliveries, approaching prospective customers, or working with his sales team. Even though he was doing something to help his company, he knew he had folks on salary to do just this thing. Wasting money, wasting time - even with the best of intentions, Ben knew that he was in trouble.

 

After a half day of contacting debtors in vain - they dodged his calls or promised to call back at worst or made minimal interest-only payments at best - he was about to throw in the towel when his secretary Mariaerley knocked at his door.

 

""Can I have a word with you Ben?"" she queried, standing in the doorway.

 

""Of course Maria, please come in."" Ben leaned back in his chair and looked expectantly at Mariaerely.""Well, I did a little searching this afternoon and tried to figure out a way out of this mess Ben."" She opened up a folder she had been carrying and pulled out a small wad of papers, placing them on the desk in front of him.""Have you ever heard the word factoring?"" she asked.""It sounds vaguely familiar. What is factoring""? he asked.""Well,"" she began, ""It�s actually quite simple really.

 

So basically, factoring invoices would enable us to get paid on the nose for loads that we haul.""Ben interrupted ""Immediately?"".""Immediately, yes"" she added, ""In a nutshell, it is pretty easy. We can have an expert account manager review our numbers and help us complete a company profile. That profile will also include investigating our accounts receivable aging reports, our existing customer credit limits and so on. Additionally, the factoring will help to determine the creditworthiness of our customers independent of their credit history with our business. It provides a very broad view.""Ben replied cautiously ""I see - and what happens then?""Following the completion of their review and once we have been approved for a contract with the factoring company, then we sit down to negotiate conditions and terms. You'll be surprised at the amount of flexibility, all dependent upon the credit histories and business volume.

 

The company will advise us the cost to purchase factoring for our company's accounts receivable. We come to an agreement and the funding starts pouring out.�Ben leaned forward and reviewed the paperwork closely.""I do not know, Maria - it just sounds too good to be true"", Ben said quietly.""Now, now, I know, I thought the same thing. But think about it, Ben: they've guaranteed that experts will do all the paperwork, and that will free us up to do what we should be doing - focusing on our customers in good standing, and that kind of stuff. They appear to be very flexible, Ben,"" she drew a circle around a paragraph on the document before him.""How flexible?"" asked Ben.""They personalize the factoring rates so that the amount they are willing to take on is commensurate with our needs and our client�s debt. It only takes 2 to 4 days for this to be figured out. ""That sounds pretty good, seeing as we tapped ourselves out with bank loans last year to repair the fleet and money sure is tight. it is imperative that we keep the business rolling as usual, and every day we go unpaid we are getting closer and closer to dealing with some serious issues in both the short term and the long term,"" said Ben.He took a deep breath and looked at his secretary with something she recognized as hope.""Precisely�. This could be the answer to our prayers: it will solve many problems we are facing due to these unpaid debts.""Ben thought about this and agreed with Mariaerley. The customers who were in debt to Richards Truck & Haul were professional resources of the company, but they were also long-standing friends. Ben wasn't prepared to lose these relationships just because they were having financial issues at the moment. Ben knew that the economy had taken a hit and he knew that it would probably be a long time before things started to look up again. That unknown amount of time could create a disaster situation for both of them if he wasn't careful in how these debtors were handled. Of course he did not want to lose any more money, but he did not want to lose business either.""Let me go over this tonight Maria, and thankyou."" Maria nodded, stood up and left the office feeling that she had helped her employer keep on his shirt and hers too.Ben stayed at his desk for a long time, looking over the details they hadn't discussed during their meeting. What other issues could freight factoring help Richards with? With his pencil gliding down the sheet he noticed that the factoring company could help fray the cost of fuel with fuel discount cards and fuel advances. Ben was surprised: it said that his company could get up to fifty percent cash advances on load pickups. As a man who hated binding contracts with no room to breathe, he was pleased to see that this factoring company would not make him sign a long term contract, would not make him pay any sign up fees and there was no minimum volume required.""I must tell Victor the good news,"" muttered Ben to himself.Ben's son-in-law, Victor, loved the idea behind Richards and highly respected his father-in-law for having such great business sense, that two years ago he got his capital together and started his own transportation company. At that time Ben knew the struggles Victor would face, but he still encouraged him to follow his dream. With the faltering economy, if a big fish like Richards was hurting, a little guy like Victor was about to catch his death. But, maybe the answer for both of them was in freight factoring, and Ben was going to find out very soon.Some months later, having successfully gone through the entire process of the application, having experts study his credit history and statements and review his accounts receivable, Ben found that he was starting his journey out of the despair which had been created for him by his delinquent account holders.They took on reasonable factoring purchase contracts and stopped spending their precious man hours scrambling to collect debt. They used that time to refocus their efforts in being competitive in new territories. Ben looked back on the dismal months of life before freight factoring and almost shuddered at the thought. If Ben hadn't discovered freight factoring at just the right time, his business may not be operating today.

 

"

 

 

 

 

 

 

More I gave away my receivables - and made more money too-Articles

 

 

Best Factoring Companies-Factoringgovernmentreceivables.Org

 

 

 

Transportation Factoring Trucking

 

Reasons why Truck Agencies Use Factoring Firms.

 

As the manager of your own business, you may be more than knowledgeable already of the challenge in making certain that capital matters do not become a predicament down the line. Anyway, the most unfortunate thing that can possibly occur for your enterprise is to find yourself embroiled in a long and challenging predicament that leaves you forever trying to find the funds you necessitate on an on-going basis.

 

For any kind of establishment in this scenario, the issue can come for waiting for work to lapse and actually be provided into your statement. Invoices, checks, and the like can take a while to actually to beprocessed which may leave you with short-term available resources dilemmas. Thankfully, there are alternatives out there for businesses to look into-- and among these is factoring companies.

 

Factoring agencies will, in substitution for your statements, provide you with the funds asap so you do not need to worry about the delaying duration that could make paying off the bills and obtaining materialsmore challenging. With this sort of arrangement, invoice factoring can come to be exceptionally helpful for plenty of businesses who have to avoid a cash pitfall which they have found themselves in.

 

Because, depending on the volume of the job, it can take up to 60 days for several establishments to get paid then it is crucial to blanket your own back and definitely not leave yourself funds short to pay the expenses. After all, how many firms have two months profits just lying there to address all their expenditures until they get paid?

 

This is especially true of truck enterprises. They often manage lots of invoices which means a significant amount of collection time demands company owner themselves. Attempting to get paid off promptly can turn into an amazing inconvenience and this is the key reasons why you employ truck factoring organizations who are happy to help out truckers exclusively.

 

As most of us determine, trucking is an exceptionally large market with numerous organizations out there employing hundreds of vehicle drivers. Regrettably, several of these drivers wind up in money problems for the reason that they are still waiting on work from six weeks back to actually pay them. When this is the condition for a truck firm, resorting to factoring companies for assistance may be the most suitable option left.

 

This implies that a truck business can pay the salaries of the personnel, keep all the trucks filled with gas and continue to surmount, thrive and expand without constantly waiting for the resources which is taking too prolonged to come in. Trucking Business enterprises running without a factoring program put in place are leaving themselves at significant threat, as competitors cash out quickly and go on to develop.

 

There's absolutely nothing to be worried about when it comes to using a Factoring firm-- they are not like a banking company or somebody who is going to leave you with a considerable stack of debt to pay back. You give them authentic invoices from output you have already completed , you are only facilitating the payment system.

 

In the Usa, where truck enterprises grow, factoring establishments are not considered getting a loan in any capacity. This private contract then enables both groups to profit and delight in a convenient future-- it gives the factoring agency a secured asset of money to add to the list and it furnishes the trucking company the needed funds that they worked hard to earn.

 

The trucking company provides their accounts to the factoring enterprise. The trucking factoring agency then receive the payment amounts from the trucking company's clients. Factoring has been all around for hundreds of years and has been adopted for many years by many varying business sectors-- but none more so than truckers. While you might possibly miss out on a small part of the money, something like 1-3 % depending on who you partner with, it signifies that you are receiving the finances today and can actually start setting the cash to do work.

 

Once and for all, an IOU or an invoice is not actually going to finance costs, is it? For trucking enterprises when the resources can be really good one day and gone the next, it is up to the vehicle drivers to work prudently and to make certain they are leaving themselves with a considerable quantity of time and finance to get through the week up until they are compensated again.

 

So the next period your trucking enterprise is having some temporary capital dilemmas and you are putting in excessive time chasing inactive paying clients, why not start off looking into employing a factoring businesses as a method to get your money and give yourself a more comfortable future in the eyes of your trucking personnel and your bank balance?

 

 

 

 

 

 

 

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Factoring Companies in Kentucky

 

 

 

Best Factoring Companies-Factoringgovernmentreceivables.Org

 

 

 

Freight Factoring Definition

 

The Future of a Trucking Company, and Factoring The phone was ringing on his desk, and Billy Brooks just sat there letting it ring. He let his morning coffee cool and left his cigarette to ash itself in the tray, because he is trying to make the biggest decision ever for his trucking company. Brooks Trucking Company was at a turning point of growth and Billy had to decide if signing with a factoring company was the right way forward.

 

More than forty years ago Billy's father had started this business working as an owner-operator and eventually growing Brooks Trucking Company into a fifteen trailer fleet. Yes, they had survived some very difficult times when it appeared like they might go under, and even Billy's mother had jumped into the cab at times to make hauls. His father had lived long enough to witness the price of hires drop during the recession and watch the eruption of fuel prices afterwards. But now things were different: the company was in Billy's hands and he needed to ensure that this business would be left in great shape for his sons.

 

There just never seemed to be enough money to go around, and certainly no spare cash, but to move his company successfully into the future he needed a steady and reliable cash flow. His employees needed to be paid. They all have families and the usual household bills. A few of the refrigerated trailers really needed some maintenance, and in order to stay competitive he really wanted to invest in specialized haulers to meet the increasing requests for loads of agricultural and energy equipment. He knew that turning down these requests made Brooks Trucking look inefficient and weak in what was currently a strong market.

 

His father would have told him to wait and to take his time adding on new technology. Billy allowed himself a good hard chuckle. His father had been against placing GPS units in the cabs. He would say, �Why do you need the voice of some woman to tell you to get off at an exit that has been the same exit that has been there for years?� Also his father had the habit of teasing all the drivers he caught switching into automatic even though driving in automatic was much more efficient though not manly in his father�s eyes. His father days were long gone and technology was actually an important improvement for the business such as having Qualcomm to cut down on fruitless time communicating on the phone for bills of lading.

 

Billy believed a successful man is always thinking of his next step. What would be the next step for Brooks Trucking? And how would he be able to afford it? Funding was all tied up in the mortgage for the office and garage and in the fuel bills. He just finished paying off the small bank loan for installing satellite radio in the trucks for the guys.

 

He wondered about factoring - was this the answer for him? If he was being honest, he did not really understand how it all worked. It sounded like a ninth grade math problem and he wondered how this would fit into the trucking business. A factoring company actually purchases your invoices and takes control of your accounts receivable, payment being a certain percentage of the amount invoiced. In return, the factoring company pays the trucking business straight away, providing immediate cash flow for the business to pay staff, purchase fuel, and do any repairs or maintenance. Without this assistance, you're placed in the position of waiting for payment from your customers, and this can often be thirty days, or more. In those 30 days, a trucking company can�t pay its bills and employees in invoices.

 

Billy had to really consider what his next step was going to be. Billy had heard that there were companies that charged for same day money transfers and would only advance a percentage of the money owed to your company while holding the rest in a private account if they didn�t get their bill payment within 60 or so days. Plus it was worse still if the customer didn�t pay up at all because then the factoring company would take it right out of the money supposed to be coming to you! Through the grapevine, he�d also heard about how some companies suddenly slipped you onto a sliding scale of percentages even if you had already signed a lengthy contract for maybe 3% or 7% so there you are with 10% coming as a cost to you out of the freight bill. His friend Ronnie who had a trucking business in Missouri, was run nearly into the ground by a factoring company that charged him the full freight bill on top of the factoring fees. He knew he would have to be very careful if he was to avoid any of these shady companies?

 

But it turned out to be quite easy. All the factoring companies he researched were open about their business practices and very friendly on the phone when he called. Their customer service actually knew things about their company and spoke in nice clear English so he could understand what was being explained. He was quite happy to sign an exclusive contract. In fact, he was quite pleased with the idea of a long-term contract because he knew this was a one-off and he would not have to keep going back and forth to different companies. He was not charged for a credit check, and in addition he was offered a fuel advance on the pick-up of a load. Many companies offered a non-recourse factoring program that suited him just fine. Also he was happy to hear how much he was offered in terms of percentages on the freight bills. It was good money.

 

It was really refreshing dealing with the factoring people. They were extremely helpful and more personable than the bank staff. He was relieved to note that the factoring companies understood the trucking business and discussed business with him like a respected client, not like someone looking for a handout. The factoring companies were not interested in his credit nor the financial problems his father had experienced in the past. All the factoring company was interest in was the credit of his customers and on their reliability: this worked great for Billy because he and his father had created a very strong and loyal list of clientele over the years. So he knew they would understand when the factoring company contacted them for the invoices. His clients wouldn�t think poorly of Brooks Trucking and the factoring companies appeared capable of handling the accounts receivable in the same polite manner that his father had used over the years.

 

Feeling happier now, Billy stepped out of his office to advise his secretary to expect to receive the contract very shortly from the factoring company. He felt exhilarated by the new possibilities that would make the future of the company fun again and put the stress of the difficult times behind him. With the capabilities of this new cash flow, Billy could actually expand Brooks Trucking Company further across the country and perhaps even go international into Canada. His heart felt full knowing his sons wouldn�t have to worry about money because of the right decisions he had made for their trucking business.

 

 

 

 

 

 

 

More Freight Factoring Definition -Articles

 

 

 

 

 

 

 

 

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Best Factoring Companies-Factoringgovernmentreceivables.Org

 

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Date Published- 2014- 01-20 Factoring Services For Trucking Companies

 

"

Bank Loans

 

Finance through a bank loan is the normal, or traditional, way of financing your business. These loans can be a life-saver, but they're not always available to every business. For example, a fairly newly established business simply may not have the assets to readily get a loan from a bank, even if they do, the standard collateral for a business loan is the business itself, which means that if you cannot make your loan payment, you risk losing your entire business. In addition, while you apply for a certain loan amount, that is all the financing you are entitled to. Once the loan is paid off, you can then apply for another loan if the need arises.

 

Trucking Factoring Companies

 

Trucking Factoring companies do not give loans, and the money you get from the Trucking Factoring company does not put you in debt. The finance you receive from the Trucking Factoring company is determined by money already earned by your business, but not yet received. Trucking Factoring companies actually purchase your accounts receivable or at least part of them for a percentage of their total worth, Normally around 80%-95%. The amount of finance you can receive will be based on the amount you have earned and the accounts receivable you are prepared to sell. Once a Trucking Factoring account has been created for you, it will continue for as long as you need it, with the money available continuing to grow as your business grows, and providing cash as you require it.

 

What Are The Benefits Of A Trucking Factoring Company Versus A Traditional Bank Loan?

 

Not every business can benefit from Trucking Factoring account financing because you have to have a business with accounts receivable, however there are many benefits for those who can access this type of finance.

 

1. You will not Incur Debt. Since the Trucking Factoring company actually buys your accounts receivable you do not actually incur debt like you do with a bank loan. This has many benefits including the fact, that this type of financing will not affect either your business credit rating or your personal credit rating. In the event that your business fails, you would not have to be concerned about someone coming after your personal or your business assets in order to pay off a loan. The debt goes onto your credit report with a bank loan, with only one missed payment adversely affecting your business credit: it would also affect your ability to secure insurance, and may reflect on your personal credit rating as well.

 

2. No Collateral Required. Another benefit of using a Trucking Factoring company instead of a traditional loan is that you are not required to provide collateral to the Trucking Factoring company in order to secure financing, because the company �buys� the accounts receivables; not loans you money based on them. Plus, the state of your credit rating is not an issue; however the Trucking Factoring company will run a credit check on your clients whose accounts receivable are being offered for financing. This means that it is easier for new businesses to access the finance they need through a Trucking Factoring company, providing their accounts receivable are in good order. A bank may believe you haven't been in business long enough to be able to cover this risk.

 

3. Receive Your Money Faster. With a Trucking Factoring company you can actually get the money you need faster. The money will normally be in your account within 24 hours, once the Trucking Factoring company is confident that your customers� accounts are likely to be paid. With a bank, there are vast amounts of paperwork, then the loan has to be underwritten, which can take months before you actually see the loan if it is approved.

 

4.You receive interest up-front. Unlike a bank loan that continues to build interest that you have to pay the entire time you have your business loan with a Trucking Factoring company, you do not have to continue to pay interest as they take it right off the top, deducting it from the total amount of accounts receivable. So you do not have to worry about monthly loan repayments, and you do not have to worry about the amount of interest payable, because all the money in the account is yours to spend.

 

As you can see, there are several benefits that makes considering financing through a Trucking Factoring company over a traditional bank worthwhile. In addition, there are other benefits that a Trucking Factoring company can offer you, outside the scope of a bank. The most important benefits is that once you sell your accounts receivable to the factory company, you do not have to take time away from running your business to collect the money owed from reluctant to pay customers. Since these accounts belong to the Trucking Factoring company, this is now their job. Trucking Factoring companies are very good at collecting these debts, saving you the time and effort that you need to devote to your growing company.

 

In addition, since the Trucking Factoring company evaluates the credit quality of your customers prior to purchasing the accounts receivable you gain valuable information into which customers are likely to pay and which ones are not so likely to pay.A Trucking Factoring company is not the only method of gaining access to finance for the running and growing of your business, however it does offer a financing option well worth considering.

 

"
Best Factoring Companies-Factoringgovernmentreceivables.Org

 

 

 

 

 

More Freight Factoring Definition -Articles

 

 

 

"

Bank Loans

 

Finance through a bank loan is the normal, or traditional, way of financing your business. These loans can be a life-saver, but they're not always available to every business. For example, a fairly newly established business simply may not have the assets to readily get a loan from a bank, even if they do, the standard collateral for a business loan is the business itself, which means that if you cannot make your loan payment, you risk losing your entire business. In addition, while you apply for a certain loan amount, that is all the financing you are entitled to. Once the loan is paid off, you can then apply for another loan if the need arises.

 

Trucking Factoring Companies

 

Trucking Factoring companies do not give loans, and the money you get from the Trucking Factoring company does not put you in debt. The finance you receive from the Trucking Factoring company is determined by money already earned by your business, but not yet received. Trucking Factoring companies actually purchase your accounts receivable or at least part of them for a percentage of their total worth, Normally around 80%-95%. The amount of finance you can receive will be based on the amount you have earned and the accounts receivable you are prepared to sell. Once a Trucking Factoring account has been created for you, it will continue for as long as you need it, with the money available continuing to grow as your business grows, and providing cash as you require it.

 

What Are The Benefits Of A Trucking Factoring Company Versus A Traditional Bank Loan?

 

Not every business can benefit from Trucking Factoring account financing because you have to have a business with accounts receivable, however there are many benefits for those who can access this type of finance.

 

1. You will not Incur Debt. Since the Trucking Factoring company actually buys your accounts receivable you do not actually incur debt like you do with a bank loan. This has many benefits including the fact, that this type of financing will not affect either your business credit rating or your personal credit rating. In the event that your business fails, you would not have to be concerned about someone coming after your personal or your business assets in order to pay off a loan. The debt goes onto your credit report with a bank loan, with only one missed payment adversely affecting your business credit: it would also affect your ability to secure insurance, and may reflect on your personal credit rating as well.

 

2. No Collateral Required. Another benefit of using a Trucking Factoring company instead of a traditional loan is that you are not required to provide collateral to the Trucking Factoring company in order to secure financing, because the company �buys� the accounts receivables; not loans you money based on them. Plus, the state of your credit rating is not an issue; however the Trucking Factoring company will run a credit check on your clients whose accounts receivable are being offered for financing. This means that it is easier for new businesses to access the finance they need through a Trucking Factoring company, providing their accounts receivable are in good order. A bank may believe you haven't been in business long enough to be able to cover this risk.

 

3. Receive Your Money Faster. With a Trucking Factoring company you can actually get the money you need faster. The money will normally be in your account within 24 hours, once the Trucking Factoring company is confident that your customers� accounts are likely to be paid. With a bank, there are vast amounts of paperwork, then the loan has to be underwritten, which can take months before you actually see the loan if it is approved.

 

4.You receive interest up-front. Unlike a bank loan that continues to build interest that you have to pay the entire time you have your business loan with a Trucking Factoring company, you do not have to continue to pay interest as they take it right off the top, deducting it from the total amount of accounts receivable. So you do not have to worry about monthly loan repayments, and you do not have to worry about the amount of interest payable, because all the money in the account is yours to spend.

 

As you can see, there are several benefits that makes considering financing through a Trucking Factoring company over a traditional bank worthwhile. In addition, there are other benefits that a Trucking Factoring company can offer you, outside the scope of a bank. The most important benefits is that once you sell your accounts receivable to the factory company, you do not have to take time away from running your business to collect the money owed from reluctant to pay customers. Since these accounts belong to the Trucking Factoring company, this is now their job. Trucking Factoring companies are very good at collecting these debts, saving you the time and effort that you need to devote to your growing company.

 

In addition, since the Trucking Factoring company evaluates the credit quality of your customers prior to purchasing the accounts receivable you gain valuable information into which customers are likely to pay and which ones are not so likely to pay.A Trucking Factoring company is not the only method of gaining access to finance for the running and growing of your business, however it does offer a financing option well worth considering.

 

"

 

 

 

 

 

 

 

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