How fast can I get a women owned business funding?

Working-capital and short-term programs can fund within days. SBA and larger commercial deals typically take several weeks due to underwriting.

Do you serve businesses outside Fayette County?

Yes — we serve the surrounding Bluegrass region including Paris, Winchester, Nicholasville, Wilmore, Georgetown, and Versailles.

Women Owned Business Funding · Lexington-Fayette

Women Owned Business Funding in Lexington-Fayette.

Capital access for women-owned Kentucky businesses. Coordinated by an advisor working out of our downtown office at 2525 Harrodsburg Rd, Lexington, KY.

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Amount: Varies by lender and file.
Term: Depends on financing type.
Best for: Women-owned businesses across every stage.
Coverage: Fayette + Bluegrass

Locally rooted

Based on Harrodsburg Road in Lexington.

Advisor-led

Real people who guide you through every option.

Wide lender network

Access to bank, SBA, and alternative funders.

Transparent process

Clear terms — no payday-style shortcuts.

The program

What women owned business funding actually is

Women-owned businesses have access to the full range of small business financing — SBA, bank loans, lines of credit, equipment, and more. Certification as a Women-Owned Small Business (WOSB) can also open federal contracting opportunities that come with their own financing needs.

Who it fits in Lexington-Fayette

Women-owned businesses across Fayette County and the Bluegrass
WOSB-certified firms pursuing federal contracts
First-time founders and established operators

Common uses

Startup and expansion capital
Equipment and real estate
Contract-backed working capital
Acquisition

What lenders review

Requirements vary by lender and program. Expect underwriters to focus on some combination of the following:

Same underwriting as any business file — cash flow, credit, collateral, and story

How we help

Advisor-led, not order-taker.

We advocate for your file the same way we would any other, and we can point you to Kentucky-based resources — including KY WBC and SBA Kentucky District — that pair well with private financing.

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FAQ

Women Owned Business Funding · common questions

Most established Lexington-Fayette businesses with consistent revenue can qualify for a women owned business funding. Pemberton Lenders reviews credit, time in business, and use of funds to match you with the right lender.

Ready to talk through women owned business funding?

A Lexington-based advisor will follow up within one business day. No credit pull to start.

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Submitting an inquiry does not guarantee approval or funding. Financing options are subject to lender review.