Top SBA Lenders in Kentucky -

SBA loans play a crucial role in providing financial assistance to entrepreneurs and small business owners. For those in Kentucky seeking SBA loans, understanding the key players in the lending landscape is essential. Here’s a breakdown of the top SBA lenders in Kentucky based on the number of loans, average loan amount, and average interest rates.

Kentucky Preferred SBA Lenders

Rank	Bank	Bank HQ	# of Loans	Avg Loan	Avg Interest
1	U.S. Bank	Cincinnati, OH	70	$60,351	7.2%
2	The Huntington National Bank	Columbus, OH	53	$310,557	7.0%
3	Community Trust Bank	Pikeville, KY	52	$158,338	5.6%
4	Stock Yards Bank & Trust	Louisville, KY	32	$650,934	6.2%
5	Republic Bank & Trust	Louisville, KY	25	$426,856	5.4%
6	BayFirst National Bank	Saint Petersburg, FL	12	$242,350	7.7%
7	Live Oak	Wilmington, NC	12	$1,097,725	5.6%
8	PNC Bank	Wilmington, DE	10	$289,000	9.5%
9	Newtek Small Business Finance	Lake Success, NY	9	$1,368,978	9.1%
10	Old National Bank	Evansville, IN	6	$304,917	6.4%
11	Peoples Bank	Marietta, OH	5	$593,360	7.0%
12	South Central Bank	Glasgow, KY	5	$493,380	5.8%
13	Bank of George	Las Vegas, NV	4	$1,031,625	8.3%
14	First Commonwealth Bank	Indiana, PA	4	$735,025	6.1%
15	Gbank	Las Vegas, NV	4	$1,031,625	8.3%
16	German American	Jasper, IN	4	$845,500	5.7%
17	Heritage Bank	Burlington, KY	4	$859,325	6.9%
18	Readycap Lending, LLC	Berkeley Heights, NJ	4	$49,725	8.9%
19	United Midwest Savings Bank	De Graff, OH	4	$2,210,000	6.5%
20	Byline Bank	Chicago, IL	3	$1,360,000	6.0%
21	Fifth Third Bank	Cincinnati, OH	3	$83,933	9.0%
22	MVB Bank	Fairmont, WV	3	$973,667	7.0%
23	Regions Bank	Birmingham, AL	3	$1,380,667	6.2%
24	SouthState Bank	Winter Haven, FL	3	$1,376,333	5.8%

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Top Industries for SBA loans in Kentucky

Rank	Industry	# of Loans	Avg Loan	Avg Interest
1	All Other Specialty Trade Contractors	16	$721,506	6.6%
2	Full-Service Restaurants	16	$326,438	6.6%
3	Hotels (except Casino Hotels) and Motels	10	$2,178,800	7.1%
4	Landscaping Services	9	$560,789	7.2%
5	General Automotive Repair	9	$505,378	5.9%
6	Pet Care (except Veterinary) Services	8	$621,113	5.6%
7	Plumbing, Heating, and Air-Conditioning Contractors	8	$987,375	7.5%
8	Limited-Service Restaurants	8	$718,550	6.5%
9	Insurance Agencies and Brokerages	8	$446,875	6.4%
10	Electrical Contractors	8	$175,375	7.5%
11	General Freight Trucking, Long Distance, Truckload	7	$75,971	7.5%
12	Snack and Nonalcoholic Beverage Bars	7	$325,857	5.8%
13	Roofing Contractors	7	$282,000	7.5%
14	Painting and Wall Covering Contractors	7	$57,143	7.2%
15	Offices of Lawyers	7	$287,171	6.2%
16	Machine Shops	7	$410,543	7.9%
17	General Freight Trucking, Local	7	$40,629	6.2%
18	Funeral Homes and Funeral Services	7	$599,386	7.2%
19	Offices of Dentists	6	$238,983	6.3%
20	Beauty Salons	6	$79,333	6.5%
21	Offices of All Other Miscellaneous Health Practitioners	5	$253,900	4.7%
22	Offices of Chiropractors	5	$100,760	7.0%
23	Offices of Physicians (except Mental Health Specialists)	5	$290,560	5.4%
24	Offices of Real Estate Agents and Brokers	5	$51,280	8.0%
25	Site Preparation Contractors	5	$396,580	8.7%
26	All Other Amusement and Recreation Industries	4	$126,875	6.3%
27	Drinking Places (Alcoholic Beverages)	4	$385,925	7.5%
28	Breweries	4	$1,834,175	6.8%
29	Appliance Repair and Maintenance	4	$34,250	7.2%
30	Residential Remodelers	4	$286,125	6.4%
31	Home Health Care Services	4	$207,425	6.8%
32	Commercial and Institutional Building Construction	3	$200,000	6.2%
33	Mobile Food Services	3	$23,667	11.9%
34	Nail Salons	3	$318,000	5.8%
35	Offices of Mental Health Practitioners (except Physicians)	3	$155,867	6.3%
36	Data Processing, Hosting, and Related Services	3	$369,967	7.0%
37	Other Accounting Services	3	$914,800	7.0%
38	Other Personal Care Services	3	$249,333	5.5%

Top SBA Loan Franchises in Kentucky

Rank	FranchiseName	# of Loans	Avg Loan	Avg Interest
1	Baymont Inn & Suites	3	$2,498,333	6.7%
2	All Dry	2	$136,000	8.3%
3	Subway	2	$369,950	5.8%
4	Rodeway Inn	2	$1,546,000	7.3%
5	Quality Inn	2	$2,290,500	6.4%
6	Playa Bowls	2	$239,000	8.0%
7	Scooter’s Coffee	2	$833,000	6.3%
8	Little Caesars	2	$291,000	6.3%
9	Budget Blinds	2	$866,450	6.4%
10	Senior Helpers	2	$162,500	7.0%

Top Kentucky SBA Loan Borrowers by Jobs Supported

Rank	Business	Location	Industry	Loan Size	Interest Rate	Jobs
1	VANGUARD UTILITY SERVICE INC.	Owensboro, KY	Plumbing, Heating, and Air-Conditioning Contractors	$1M – $2.5M	6.5%	399
2	AIR SUPPORT LLC	Richmond, KY	Plumbing, Heating, and Air-Conditioning Contractors	$250K or less	8.7%	200
3	JAT SERVICES	Graham, KY	Site Preparation Contractors	$250K or less	9.0%	100
4	INTEGRATED BIOSCIENCE LLC	Richmond, KY	Medical Laboratories	$250K – $500K	5.3%	95
5	TD MOUNTAIN PADDOCK LLC	Louisville, KY	Retail Bakeries	$250K – $500K	5.1%	80
6	STONES MECHANICAL LIMITED LIAB	Carrollton, KY	Landscaping Services	$250K – $500K	6.8%	71
7	STONE LAWN CARE LLC	Carrollton, KY	Landscaping Services	$500K – $1M	6.0%	71
8	MUCHOS HUEVOS FAMILY LLC	Louisville, KY	Limited-Service Restaurants	$500K – $1M	6.0%	70
9	MAKK LANDSCAPE GROUP LLC	Simpsonville, KY	Landscaping Services	$500K – $1M	5.0%	70
10	A&A LAWNCARE&LANDSCAPING INC.	Erlanger, KY	Landscaping Services	$1M – $2.5M	5.5%	68
11	HALCYON HOME CARE LLC	Florence, KY	Home Health Care Services	$250K or less	7.0%	62
12	BRADFORD LANHAM	Paris, KY	Electrical Contractors	$250K – $500K	5.8%	57
13	PROVISION BRANDS LLC	Louisville, KY	Full-Service Restaurants	$250K – $500K	6.3%	52
14	JRJ ENTERPRISES LLC	Owensboro, KY	Snack and Nonalcoholic Beverage Bars	$500K – $1M	6.3%	52
15	ACG INVESTMENT GROUP LLC	Versailles, KY	Full-Service Restaurants	$250K – $500K	5.5%	50
16	MASON STRUCTURE INC	Lexington, KY	Masonry Contractors	$1M – $2.5M	5.5%	49
17	THE PAWPRINT LODGE IN LLC	Hopkinsville, KY	Pet Care (except Veterinary) Services	$250K or less	5.3%	46
18	SORA CIRCUS LLC	Lexington, KY	Fitness and Recreational Sports Centers	$250K or less	7.5%	45
19	COBRA TRADING LLC	Louisville, KY		$1M – $2.5M	4.8%	44
20	JMS FENCE COMPANY LLC	La Grange, KY	All Other Specialty Trade Contractors	$500K – $1M	7.0%	43
21	LONG BUILDING SYSTEMS LLC	Lexington, KY	Business Associations	$250K or less	8.8%	41
22	LOUISVILLE DONUTS LLC	Louisville, KY	Limited-Service Restaurants	$250K or less	5.8%	40
23	JBS ENTERTAINMENT LLC	Maysville, KY	Bowling Centers	$1M – $2.5M	7.3%	40
24	THE TOASTED YOLK CAFE	Elizabethtown, KY	Full-Service Restaurants	$1M – $2.5M	6.3%	38
25	BABER’S ICE CREAM LLC	Lexington, KY	Snack and Nonalcoholic Beverage Bars	$250K or less	5.0%	36
26	4 SEASONS OUTDOOR SERVICES LLC	Winchester, KY	Landscaping Services	$250K or less	10.0%	36
27	WEBSTER WILLIAMS LLC	Newport, KY	Limited-Service Restaurants	$250K – $500K	6.9%	36
28	KENTUCKY REALTY CORPORATION	Louisville, KY	All Other Specialty Trade Contractors	$500K – $1M	8.0%	36
29	SBTL PARTNERS LLC	Florence, KY	Environmental Consulting Services	$1M – $2.5M	6.0%	36
30	LEGENDRE REAL ESTATE KY LLC	Hopkinsville, KY	Pet Care (except Veterinary) Services	$1M – $2.5M	4.8%	36
31	ANEX WAREHOUSE AND DISTRIBUTIO	Hebron, KY	General Warehousing and Storage	$250K – $500K	6.8%	35
32	NORTH SIDE COFFEE AND DOUGHNUT	Louisville, KY	Snack and Nonalcoholic Beverage Bars	$250K or less	5.5%	34
33	CRAFTS & VINES L.L.C.	Covington, KY	Drinking Places (Alcoholic Beverages)	$1M – $2.5M	6.3%	34
34	MCALISTER’S DELI	London, KY	Limited-Service Restaurants	$1M – $2.5M	7.5%	32
35	BRAXTON BREWING COMPANY LLC	Covington, KY	Breweries	$2.5M – $5M	4.3%	30
36	CRAFTFORCE LLC	Covington, KY	Temporary Help Services	$2.5M – $5M	5.3%	30
37	WHITE PINE PARTNERS INC	Lexington, KY		$500K – $1M	6.4%	29
38	GROWING LANDINGS LLC	Louisville, KY	Lessors of Other Real Estate Property	$2.5M – $5M	7.0%	29
39	CCG STORE 2 LLC	Louisville, KY	Limited-Service Restaurants	$250K or less	8.2%	27
40	LOS HERMANOS MARKET LLC	Lexington, KY		$250K – $500K	7.5%	27
41	ZZINI RESTAURANT GROUP INC.	Lexington, KY	Full-Service Restaurants	$500K – $1M	6.3%	26
42	MINE THAT BIRD LLC	Prospect, KY	Residential Remodelers	$1M – $2.5M	6.2%	26
43	SABLER LLC	Louisville, KY	Full-Service Restaurants	$250K or less	8.0%	24
44	CG REALTY HOLDINGS LLC	Mayfield, KY	Offices of Physicians (except Mental Health Specialists)	$250K – $500K	5.3%	24
45	RENEW HEALTH CLINIC LLC	Louisville, KY	Offices of All Other Miscellaneous Health Practitioners	$250K – $500K	3.8%	24
46	FALLS CITY FENCE LLC	Louisville, KY	All Other Specialty Trade Contractors	$1M – $2.5M	5.5%	24
47	PREMIER FLEET GRAPHICS LLC	Louisville, KY		$1M – $2.5M	7.3%	24
48	EYE 4 DESIGN INTERIORS	Cold Spring, KY	Interior Design Services	$250K – $500K	5.7%	22
49	STL FITNESS INC.	Louisville, KY	Diet and Weight Reducing Centers	$250K or less	9.3%	21
50	SAICAM LLC	Harrodsburg, KY	Full-Service Restaurants	$250K or less	6.5%	20
51	DJ STUCCO. L.L.C.	Louisville, KY	Masonry Contractors	$250K or less	5.0%	20
52	B&R BLUNT ACQUISITIONS INC	Nicholasville, KY	Wood Kitchen Cabinet and Countertop Manufacturing	$250K – $500K	4.6%	20
53	ELLE BEAUTY & CO PLLC	Florence, KY	Other Personal Care Services	$250K – $500K	6.0%	20
54	E.B.’S GROCERY LLC	Brooksville, KY	Supermarkets and Other Grocery (except Convenience) Stores	$500K – $1M	6.5%	20
55	BASIT LIMITED LIABILITY COMPAN	Louisville, KY	Offices of Chiropractors	$250K or less	5.8%	18
56	JMC HOLDINGS LIMITED LIABILITY	Louisville, KY	Beauty Salons	$250K or less	5.8%	18
57	TWO ROSES LLC	Louisville, KY	Nail Salons	$250K – $500K	5.6%	18
58	COMMUNITY CAR CARE INC	Alexandria, KY	General Automotive Repair	$250K – $500K	7.4%	18
59	RED ROVER ELECTRIC LLC	Louisville, KY	All Other Specialty Trade Contractors	$500K – $1M	6.5%	18
60	FM HEALING CENTER LLC	Richmond, KY	Offices of Physicians, Mental Health Specialists	$500K – $1M	6.0%	18
61	FM HEALING CENTER LLC	Lexington, KY	Offices of Physicians, Mental Health Specialists	$2.5M – $5M	6.0%	18
62	WHITE PINE PARTNERS INC	Lexington, KY	Full-Service Restaurants	$250K or less	7.5%	17
63	MOON RIVER BED AND BREAKFAST	Maysville, KY	Bed-and-Breakfast Inns	$250K – $500K	7.5%	16
64	COMPLETE DENTAL PLLC	Georgetown, KY	Offices of Dentists	$250K – $500K	4.8%	16
65	PAIN AND WELLNESS INSTITUTE OF	Louisville, KY	Offices of Physicians (except Mental Health Specialists)	$500K – $1M	5.9%	16
66	THE HITCHING POST TACK SHOP &	Louisville, KY		$500K – $1M	6.3%	16
67	CE DEETER INC.	Lexington, KY	Pet Care (except Veterinary) Services	$1M – $2.5M	4.5%	16
68	1776 HOLDINGS L.L.C.	Somerset, KY		$1M – $2.5M	4.0%	16
69	FREEDOM ASSOCIATES LLC	Prestonsburg, KY	Offices of Real Estate Agents and Brokers	$250K or less	4.5%	15
70	LONGWOOD ANTIQUE WOODS LLC	Lexington, KY	All Other Miscellaneous Wood Product Manufacturing	$250K or less	6.8%	15
71	MICK ENTERPRISES V LLC	Louisville, KY	Nail Salons	$500K – $1M	5.0%	15
72	GRATIA LLC	Franklin, KY	Drycleaning and Laundry Services (except Coin-Operated)	$1M – $2.5M	6.3%	15
73	SIMPLE LIMITED LIABILITY COMPA	Louisville, KY	Automotive Body, Paint, and Interior Repair and Maintenance	$250K or less	7.3%	14
74	READY TO SERVE LLC	Bagdad, KY	Appliance Repair and Maintenance	$250K or less	7.2%	14
75	NATIONAL CHAMPIONSHIP ENTERPRI	Louisville, KY	General Rental Centers	$250K or less	7.8%	14
76	SIMPLY ADORED SALON & MED SPA	Louisville, KY	Beauty Salons	$250K or less	6.3%	14
77	BLUEGRASS LAMB COMPANY LLC	Glendale, KY	Animal (except Poultry) Slaughtering	$250K or less	5.5%	14
78	JONES MACHINE	Dawson Springs, KY	Machine Shops	$250K – $500K	9.5%	14
79	M1 HOLDINGS LLC	Bowling Green, KY	General Automotive Repair	$500K – $1M	5.1%	14
80	TCI QUICK TEK LLC	Paris, KY	Machine Shops	$1M – $2.5M	8.8%	14
81	THE LAMKIN GROUP LLC	Louisville, KY	General Rental Centers	$1M – $2.5M	5.8%	14
82	HIBBS & ASSOCIATES LLC	Louisville, KY	Other Accounting Services	$1M – $2.5M	6.3%	14
83	RAY’S BIG TOP TENTS INCORPORAT	Louisville, KY		$250K or less	12.8%	13
84	D & A ENTERPRISES INC.	Lexington, KY	Offices of Mental Health Practitioners (except Physicians)	$250K or less	8.3%	13
85	RED ROVER ELECTRIC LLC	Louisville, KY	Electrical Contractors	$250K – $500K	4.5%	13
86	NEW HORIZON HOSPITALITY L.L.C.	Ft Wright, KY	Hotels (except Casino Hotels) and Motels	$250K – $500K	6.0%	13
87	NATIVE GROUP HOSPITALITY LLC	Paducah, KY	Hotels (except Casino Hotels) and Motels	$1M – $2.5M	6.5%	13
88	CAVKA-DIAZ SERVICES	Bowling Green, KY	Roofing Contractors	$250K or less	7.0%	12
89	711 TRUCKING & TOWING LTD CO	Louisville, KY	General Freight Trucking, Local	$250K or less	5.2%	12
90	COFFEE BAR 606 LLC	Ashland, KY	Snack and Nonalcoholic Beverage Bars	$250K or less	6.0%	12
91	INDUSTRIAL PROJECT & DESIGN L	Franklin, KY	Industrial Design Services	$250K or less	5.3%	12
92	FUTURE MOUSE NOTES INC.	Lexington, KY	Pet Care (except Veterinary) Services	$250K or less	6.8%	12
93	GRAND FRANCHISES L.L.C.	Lexington, KY	Snack and Nonalcoholic Beverage Bars	$250K – $500K	6.0%	12
94	CAMP FURKIDS LLC	Louisville, KY	Pet Care (except Veterinary) Services	$250K – $500K	6.3%	12
95	ATRIUM BREWING LLC	Prospect, KY	Breweries	$500K – $1M	5.6%	12
96	DUPIE FAMILY FOODS LLC	Paris, KY	Limited-Service Restaurants	$500K – $1M	4.8%	12
97	ROOF IT RIGHT LLC	Louisville, KY	Roofing Contractors	$1M – $2.5M	8.3%	12
98	CORE HEALTH LLC	Louisville, KY	Full-Service Restaurants	$1M – $2.5M	5.6%	12
99	A&A DEMO & EXCAVATION INC.	Burlington, KY	Site Preparation Contractors	$1M – $2.5M	9.0%	12
100	KB COMPANIES LLC	Louisville, KY	All Other Specialty Trade Contractors	$1M – $2.5M	7.5%	12

Note about SBA lenders near me in Kentucky

When it comes to top Kentucky SBA lenders, it’s a common inquiry whether any of the listed banks are 1) included in the Kentucky preferred lender list, 2) approved lenders in Kentucky, or 3) active participants in the Kentucky SBA Express lending program. These queries center around the ability of a given SBA bank to facilitate small business SBA loans in Kentucky swiftly. The answer is an unequivocal yes. These aren’t your run-of-the-mill banks making only a handful of SBA loans annually; these are institutions well-versed in the intricacies of the SBA 7(a) loan program. They stand out as the top performers in Kentucky, as evidenced by our thorough analysis of thousands of SBA loans each year, leading us to rank lenders based on recent activity.

It’s crucial to note that while some banks may limit their lending to specific regions, there exist a select few highly assertive nationwide SBA lenders that operate nationally. These lenders possess a profound understanding of the SBA program and execute transactions with remarkable speed. Therefore, we advise against restricting your search solely to your home state. Our lender match tool proves invaluable in this regard. By utilizing it, we can identify suitable SBA banks tailored to your specific needs, be it geography, industry, company size, all at no cost or obligation to you. This service aims to save you valuable time and ensure a seamless SBA loan process.

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