Financing a other millwork (including flooring) acquisition in Kentucky

State:

Colorado (1)Indiana (1)Kansas (2)Massachusetts (1)Michigan (1)Missouri (2)Oregon (1)Tennessee (1)Texas (1)Wisconsin (1)

The SBA 7(a) lenders funding the most other millwork (including flooring) 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 other millwork (including flooring) in Kentucky

$3.70M

Typical loan

range $500K–$3.70M

$4.12M

Est. purchase price

≈ loan ÷ 90%

$568,791

Cash to close

$411,556 down + fees

$47,929/mo

Typical payment

~9.5% · 10yr

$661,420/yr

Cash flow to qualify

≈ payment × 1.15 DSCR

Lenders competing

more = leverage

8.25%

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 other millwork (including flooring) · Kentucky

Ranked by funded other millwork (including flooring) acquisitions in Kentucky. Tap a lender for its full record, or hit Get in touch for an introduction.

1.1 loans · $1M · Glasgow, KYFull record →

2+ funded Other Millwork (including Flooring) 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.

D. Phillips Holdings, LLC in Monticello, KY — $3.7M (2025) · purchase · South Central Bank, Inc.
Program
7a General
Rate at approval
8.5% fixed
Term
120 mo (10 yrs)
SBA guaranteed
$2.8M (75%)
Approved
2/4/2025
Loan status
Cancelled
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
67
Business age
Change of Ownership
Industry
Other Millwork (including Flooring)
If you were the buyer here
Est. deal size
$4.1M
Est. down payment (10%)
$412K
Est. cash at closing
$569K
Monthly payment
$45,924
Annual debt service
$551K
Cash flow needed (1.25×)
$689K
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 South Central Bank, Inc. · Lender record →
Your business? Claim this record · Request removal
D. Phillips Holdings, LLC in Monticello, KY — $500K (2025) · purchase · South Central Bank, Inc.
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
8% variable
Term
120 mo (10 yrs)
SBA guaranteed
$250K (50%)
Approved
2/17/2025
Loan status
Cancelled
Loan type
Revolving line
Collateral
Required
Business type
Corporation
Jobs supported
67
Business age
Change of Ownership
Industry
Other Millwork (including Flooring)
If you were the buyer here
Est. deal size
$556K
Est. down payment (10%)
$56K
Est. cash at closing
$74K
Monthly payment
$6,066
Annual debt service
$73K
Cash flow needed (1.25×)
$91K
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 South Central Bank, Inc. · Lender record →
Your business? Claim this record · Request removal

Financing a other millwork (including flooring) deal in Kentucky? Start with the right lender

We'll point you to the SBA lenders already funding your industry in your state — and help you make them compete on rate and speed.

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By submitting, I agree that CapBench may share my contact information with SBA lending partners and loan brokers (including partners who compensate CapBench), and that they and CapBench may contact me about financing by phone, email, and text — including via autodialed or prerecorded calls and messages — at the phone number and email I provide. Consent is not a condition of any purchase or service, and message and data rates may apply. CapBench is not a lender and makes no credit decision.

CapBench analysis of public SBA 7(a) lending records; ranked by funded acquisition loans to other millwork (including flooring) businesses with a Kentucky project address.

Agent summary

How to finance a other millwork (including flooring) 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. South Central Bank, Inc. funds the most here. CapBench is not a lender.

$1.2M typical loan
1 lenders active in Kentucky
2+ funded Kentucky deals

Buyers buying a other millwork (including flooring) 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.

Next steps

Pre-qualify this deal Talk to a loan broker All other millwork (including flooring) lenders

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.
Canonical:: https://www.capbench.com/lenders/industry/other-millwork-including-flooring/kentucky
API:: https://www.capbench.com/api/public/lenders?industry=other-millwork-including-flooring&state=KY
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.