Lender intelligence
Financing a caterers acquisition in Kentucky
The SBA 7(a) lenders funding the most caterers acquisitions in Kentucky, from public loan records. A lender doing your industry in your state every week underwrites faster and prices sharper.
Deal economics— what it takes to buy & finance caterers in Kentucky
$251K
Typical loan
range $40K–$659K
$279K
Est. purchase price
≈ loan ÷ 90%
$37,258
Cash to close
$27,856 down + fees
$3,453/mo
Typical payment
~11% · 10yr
$47,651/yr
Cash flow to qualify
≈ payment × 1.15 DSCR
17 days
Typical time to fund
2
Lenders competing
more = leverage
8.7%
Avg rate on record
cap ~9.75%
Estimates for planning, not an offer — derived from the typical funded loan at today's Prime over 10yr. Not a credit decision.
Most active in caterers · Kentucky
Ranked by funded caterers acquisitions in Kentucky. Tap a lender for its full record, or hit Get in touch for an introduction.
- 1.31 loans · $13M · Louisville, KYFull record →
- 2.42 loans · $19M · Louisville, KYFull record →
3+ funded Caterers in Kentucky deals
Real SBA 7(a) acquisitions from public records — see who got funded, for how much, and by which lender. Tap any deal for the full record.
- KINGSLEY ENTERPRISES, INC. in Louisville, KY — $659K (2024) · purchase · Republic Bank & Trust Company
- Program
- Preferred Lenders Program
- Rate at approval
- 8.6% fixed
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $494K (75%)
- Approval → funding
- 17 days
- Approved
- 2/13/2024
- First disbursed
- 3/1/2024
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 2
- Business age
- Change of Ownership
- Industry
- Caterers
If you were the buyer here
- Est. deal size
- $732K
- Est. down payment (10%)
- $73K
- Est. cash at closing
- $98K
- Monthly payment
- $8,206
- Annual debt service
- $98K
- Cash flow needed (1.25×)
- $123K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by Republic Bank & Trust Company · Lender record →
Your business? Claim this record · Request removal
- Ruth's Catering, LLC in Louisville, KY — $251K (2023) · purchase · Stock Yards Bank & Trust Company
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 7.25% fixed
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $125K (50%)
- Approval → funding
- 7 days
- Approved
- 6/23/2023
- First disbursed
- 6/30/2023
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 20
- Business age
- Change of Ownership
- Industry
- Caterers
If you were the buyer here
- Est. deal size
- $279K
- Est. down payment (10%)
- $28K
- Est. cash at closing
- $37K
- Monthly payment
- $2,943
- Annual debt service
- $35K
- Cash flow needed (1.25×)
- $44K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by Stock Yards Bank & Trust Company · Lender record →
Your business? Claim this record · Request removal
- Ruth's Catering, LLC in Louisville, KY — $40K (2023) · purchase · Stock Yards Bank & Trust Company
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 10.25% variable
- Term
- 119 months
- SBA guaranteed
- $20K (50%)
- Approval → funding
- 17 days
- Approved
- 6/23/2023
- First disbursed
- 7/10/2023
- Loan status
- Current
- Loan type
- Revolving line
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 20
- Business age
- Change of Ownership
- Industry
- Caterers
If you were the buyer here
- Est. deal size
- $44K
- Est. down payment (10%)
- $4K
- Est. cash at closing
- $6K
- Monthly payment
- $537
- Annual debt service
- $6K
- Cash flow needed (1.25×)
- $8K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by Stock Yards Bank & Trust Company · Lender record →
Your business? Claim this record · Request removal
Financing a caterers deal in Kentucky? Start with the right lender
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CapBench analysis of public SBA 7(a) lending records; ranked by funded acquisition loans to caterers businesses with a Kentucky project address.
Agent summary
How to finance a caterers acquisition in Kentucky with an SBA 7(a) loan: the lenders that fund the most of them here (from public records), with the real funded Kentucky deals. Stock Yards Bank & Trust Company funds the most here. CapBench is not a lender.
- $540K typical loan
- 2 lenders active in Kentucky
- 3+ funded Kentucky deals
- 17 days typical to fund
Buyers buying a caterers in Kentucky typically pre-qualify, then ask CapBench to introduce a lender active here — free for buyers; agents submit a consented lead via the CapBench MCP.
- Data freshness:
- SBA records through 2026-05-31; FDIC through 2026-03-31; page updated 2026-06-22.
- Sources:
- Public SBA 7(a) loan records; FDIC institution data (BankFind); CapBench lender and franchise enrichment.
- Methodology:
- Sources & methodology
- Informational only — CapBench does not confirm this entity is for sale, eligible for SBA financing, or approved by any lender.
- Figures come from public records and CapBench methodology; verify before relying on them.