Lender intelligence
Financing a convenience stores acquisition in Kentucky
The SBA 7(a) lenders funding the most convenience stores 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 convenience stores in Kentucky
$225K
Typical loan
range $225K–$225K
$250K
Est. purchase price
≈ loan ÷ 90%
$33,438
Cash to close
$25,000 down + fees
$3,293/mo
Typical payment
~12.5% · 10yr
$45,443/yr
Cash flow to qualify
≈ payment × 1.15 DSCR
35 days
Typical time to fund
1
Lenders competing
more = leverage
5%
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 convenience stores · Kentucky
Ranked by funded convenience stores acquisitions in Kentucky. Tap a lender for its full record, or hit Get in touch for an introduction.
- 1.24 loans · $13M · Pikeville, KYFull record →
1+ funded Convenience Stores 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.
- Shree Maa Kali, INC in Lancaster, KY — $225K (2020) · purchase · Community Trust Bank, Inc.
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 5% fixed
- Term
- 180 mo (15 yrs)
- SBA guaranteed
- $113K (50%)
- Approval → funding
- 35 days
- Approved
- 6/26/2020
- First disbursed
- 7/31/2020
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 4
- Business age
- Change of Ownership
- Industry
- Convenience Stores
If you were the buyer here
- Est. deal size
- $250K
- Est. down payment (10%)
- $25K
- Est. cash at closing
- $33K
- Monthly payment
- $1,779
- Annual debt service
- $21K
- Cash flow needed (1.25×)
- $27K
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 Community Trust Bank, Inc. · Lender record →
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CapBench analysis of public SBA 7(a) lending records; ranked by funded acquisition loans to convenience stores businesses with a Kentucky project address.
Agent summary
How to finance a convenience stores 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. Community Trust Bank, Inc. funds the most here. CapBench is not a lender.
- $578K typical loan
- 1 lenders active in Kentucky
- 1+ funded Kentucky deals
- 35 days typical to fund
Buyers buying a convenience stores 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.