Lender intelligence

Most active SBA lenders in Kentucky

Industry:

Kentucky has 111 FDIC-insured banks, but only a fraction fund business purchases. These 25 banks closed 339 SBA 7(a) loans in Kentucky in the last 12 months. A lender funding deals here every week knows the local market and moves faster — start at the top.

Deal economics— what it takes to buy & finance Kentucky acquisitions

$500K

Typical loan

range $251K–$1.34M

$556K

Est. purchase price

≈ loan ÷ 90%

$74,306

Cash to close

$55,556 down + fees

$6,470/mo

Typical payment

~9.5% · 10yr

$89,286/yr

Cash flow to qualify

≈ payment × 1.15 DSCR

99.5%

Still performing

0.5% default · FY20–23

17 days

Typical time to fund

Lenders competing

more = leverage

7.65%

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.

1.3 loans · $2M · Minneapolis, MNFull record →
2.24 loans · $13M · Pikeville, KYFull record →
3.42 loans · $19M · Louisville, KYFull record →
4.31 loans · $13M · Louisville, KYFull record →
5.2,539 loans · $965M · Columbus, OHFull record →
6.3,264 loans · $846M · Miami, FLFull record →
7.1,025 loans · $292M · Berkeley Heights, NJFull record →
8.284 loans · $254M · Cincinnati, OHFull record →
9.868 loans · $362M · Salt Lake City, UTFull record →
10.1,296 loans · $1.4B · Wilmington, NCFull record →
11.741 loans · $149M · Northbrook, ILFull record →
12.575 loans · $220M · De Graff, OHFull record →
13.499 loans · $106M · Los Angeles, CAFull record →
14.58 loans · $51M · Burlington, KYFull record →
15.116 loans · $120M · Evansville, INFull record →
16.128 loans · $40M · Wilmington, DEFull record →
17.12 loans · $3M · Corydon, INFull record →
18.19 loans · $5M · Bessemer, ALFull record →
19.24 loans · $22M · College Station, TXFull record →
20.95 loans · $67M · New York, NYFull record →
21.318 loans · $229M · Osage Beach, MOFull record →
22.12 loans · $5M · Durham, NCFull record →
23.12 loans · $8M · Wheeling, WVFull record →
24.1 loans · $1M · Cuba, MOFull record →
25.112 loans · $112M · Irving, TXFull record →

366+ funded 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.

IMPERIAL WILDER LLC in Wilder, KY — $5.0M (2026) · purchase · GBank
Program
Preferred Lenders Program
Rate at approval
8% variable
Term
300 mo (25 yrs)
SBA guaranteed
$3.8M (75%)
Approved
3/25/2026
Loan status
Committed
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
6
Business age
Change of Ownership
Industry
Hotels (except Casino Hotels) and Motels
If you were the buyer here
Est. deal size
$5.6M
Est. down payment (10%)
$556K
Est. cash at closing
$769K
Monthly payment
$38,591
Annual debt service
$463K
Cash flow needed (1.25×)
$579K
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 GBank · Lender record →
Your business? Claim this record · Request removal
Able 2 Inc. in Lexington, KY — $2.5M (2026) · purchase · Live Oak Banking Company
Program
Preferred Lenders Program
Rate at approval
7.55% variable
Term
120 mo (10 yrs)
SBA guaranteed
$1.8M (75%)
Approval → funding
18 days
Approved
12/18/2025
First disbursed
1/5/2026
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
47
Business age
Change of Ownership
Industry
Home Health Care Services
If you were the buyer here
Est. deal size
$2.7M
Est. down payment (10%)
$272K
Est. cash at closing
$375K
Monthly payment
$29,146
Annual debt service
$350K
Cash flow needed (1.25×)
$437K
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 Live Oak Banking Company · Lender record →
Your business? Claim this record · Request removal
REX INDUSTRIAL HOLDINGS LLC in Louisville, KY — $1.8M (2026) · purchase · American Momentum Bank
Program
International Trade Loans
Subprogram
International Trade - Sec, 7(a
Rate at approval
9.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$1.6M (90%)
Approved
3/18/2026
Loan status
Committed
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
18
Business age
Change of Ownership
Industry
Other Electronic Parts and Equipment Merchant Wholesalers
If you were the buyer here
Est. deal size
$2.0M
Est. down payment (10%)
$196K
Est. cash at closing
$269K
Monthly payment
$22,559
Annual debt service
$271K
Cash flow needed (1.25×)
$338K
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 American Momentum Bank · Lender record →
Your business? Claim this record · Request removal
Upstream Tax Advisors, LLC in Henderson, KY — $1.8M (2026) · purchase · Live Oak Banking Company
Program
Preferred Lenders Program
Rate at approval
8.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$1.3M (75%)
Approval → funding
13 days
Approved
1/16/2026
First disbursed
1/29/2026
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
14
Business age
Change of Ownership
Industry
Offices of Certified Public Accountants
If you were the buyer here
Est. deal size
$1.9M
Est. down payment (10%)
$194K
Est. cash at closing
$267K
Monthly payment
$21,932
Annual debt service
$263K
Cash flow needed (1.25×)
$329K
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 Live Oak Banking Company · Lender record →
Your business? Claim this record · Request removal
Capstone in Louisville, KY — $1.4M (2026) · purchase · Newtek Bank, National Association
Program
Preferred Lenders Program
Rate at approval
9.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$1.1M (75%)
Approved
1/5/2026
Loan status
Cancelled
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
5
Business age
Change of Ownership
Industry
Prefabricated Metal Building and Component Manufacturing
If you were the buyer here
Est. deal size
$1.6M
Est. down payment (10%)
$156K
Est. cash at closing
$213K
Monthly payment
$18,308
Annual debt service
$220K
Cash flow needed (1.25×)
$275K
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 Newtek Bank, National Association · Lender record →
Your business? Claim this record · Request removal
Kids First of Richmond Group LLC in Richmond, KY — $1.3M (2026) · purchase · FWBank
Program
Preferred Lenders Program
Rate at approval
9% variable
Term
300 mo (25 yrs)
SBA guaranteed
$1.0M (75%)
Approval → funding
27 days
Approved
1/23/2026
First disbursed
2/19/2026
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
27
Business age
Change of Ownership
Industry
Child Care Services
If you were the buyer here
Est. deal size
$1.5M
Est. down payment (10%)
$150K
Est. cash at closing
$205K
Monthly payment
$11,312
Annual debt service
$136K
Cash flow needed (1.25×)
$170K
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 FWBank · Lender record →
Your business? Claim this record · Request removal
White Willow Celebrations LLC in Louisville, KY — $1.3M (2026) · purchase · Eclipse Bank Inc
Program
7a General
Rate at approval
8.75% variable
Term
300 mo (25 yrs)
SBA guaranteed
$1.0M (75%)
Approved
3/2/2026
Loan status
Committed
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
4
Business age
Change of Ownership
Industry
Promoters of Performing Arts, Sports, and Similar Events wit
If you were the buyer here
Est. deal size
$1.5M
Est. down payment (10%)
$148K
Est. cash at closing
$203K
Monthly payment
$10,976
Annual debt service
$132K
Cash flow needed (1.25×)
$165K
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 Eclipse Bank Inc · Lender record →
Your business? Claim this record · Request removal
10-4 Services LLC in Rineyville, KY — $1.0M (2026) · purchase · Town & Country Bank and Trust Company
Program
7a General
Rate at approval
7.5% fixed
Term
120 mo (10 yrs)
SBA guaranteed
$760K (75%)
Approval → funding
19 days
Approved
1/2/2026
First disbursed
1/21/2026
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
7
Business age
Change of Ownership
Industry
Landscaping Services
If you were the buyer here
Est. deal size
$1.1M
Est. down payment (10%)
$113K
Est. cash at closing
$154K
Monthly payment
$12,024
Annual debt service
$144K
Cash flow needed (1.25×)
$180K
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 Town & Country Bank and Trust Company · Lender record →
Your business? Claim this record · Request removal
JACLYN M. KACHURAK, DDS PLLC in Florence, KY — $1.0M (2026) · purchase · The Huntington National Bank
Program
Preferred Lenders Program
Rate at approval
8.15% fixed
Term
120 mo (10 yrs)
SBA guaranteed
$750K (75%)
Approval → funding
13 days
Approved
1/16/2026
First disbursed
1/29/2026
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
10
Business age
Change of Ownership
Industry
Offices of Dentists
If you were the buyer here
Est. deal size
$1.1M
Est. down payment (10%)
$111K
Est. cash at closing
$152K
Monthly payment
$12,212
Annual debt service
$147K
Cash flow needed (1.25×)
$183K
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 The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
Signarama Lexington, KY in Lexington, KY — $800K (2026) · purchase · Mechanics and Farmers Bank
Program
Preferred Lenders Program
Rate at approval
10% variable
Term
120 mo (10 yrs)
SBA guaranteed
$600K (75%)
Approval → funding
7 days
Approved
12/1/2025
First disbursed
12/8/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
3
Business age
Change of Ownership
Industry
Sign Manufacturing
If you were the buyer here
Est. deal size
$889K
Est. down payment (10%)
$89K
Est. cash at closing
$122K
Monthly payment
$10,572
Annual debt service
$127K
Cash flow needed (1.25×)
$159K
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 Mechanics and Farmers Bank · Lender record →
Your business? Claim this record · Request removal
Kingdom Forward Solutions, Inc. in Nicholasville, KY — $750K (2026) · purchase · Central Bank & Trust Co.
Program
7a General
Rate at approval
8.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$563K (75%)
Approval → funding
50 days
Approved
12/18/2025
First disbursed
2/6/2026
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
10
Business age
Change of Ownership
Industry
Computer Facilities Management Services
If you were the buyer here
Est. deal size
$833K
Est. down payment (10%)
$83K
Est. cash at closing
$114K
Monthly payment
$9,299
Annual debt service
$112K
Cash flow needed (1.25×)
$139K
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 Central Bank & Trust Co. · Lender record →
Your business? Claim this record · Request removal
HELLFIRE HOLDINGS LLC in Louisville, KY — $750K (2026) · purchase · Beacon Bank and Trust
Program
Preferred Lenders Program
Rate at approval
9.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$563K (75%)
Approval → funding
31 days
Approved
11/14/2025
First disbursed
12/15/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
1
Business age
Change of Ownership
Industry
Service Establishment Equipment and Supplies Merchant Wholes
If you were the buyer here
Est. deal size
$833K
Est. down payment (10%)
$83K
Est. cash at closing
$114K
Monthly payment
$9,705
Annual debt service
$116K
Cash flow needed (1.25×)
$146K
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 Beacon Bank and Trust · Lender record →
Your business? Claim this record · Request removal
Finer Days Kentucky, LLC in Richmond, KY — $746K (2026) · purchase · VelocitySBA, LLC
Program
Preferred Lenders Program
Rate at approval
9.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$560K (75%)
Approved
3/17/2026
Loan status
Committed
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
45
Business age
Change of Ownership
Industry
Residential Intellectual and Developmental Disability Facili
If you were the buyer here
Est. deal size
$829K
Est. down payment (10%)
$83K
Est. cash at closing
$114K
Monthly payment
$9,755
Annual debt service
$117K
Cash flow needed (1.25×)
$146K
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 VelocitySBA, LLC · Lender record →
Your business? Claim this record · Request removal
Annapurna Services LLC in Covington, KY — $719K (2026) · purchase · The Huntington National Bank
Program
Preferred Lenders Program
Rate at approval
8.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$539K (75%)
Approved
1/14/2026
Loan status
Committed
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
2
Business age
Change of Ownership
Industry
Full-Service Restaurants
If you were the buyer here
Est. deal size
$798K
Est. down payment (10%)
$80K
Est. cash at closing
$109K
Monthly payment
$9,005
Annual debt service
$108K
Cash flow needed (1.25×)
$135K
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 The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
Trim Nulu in Louisville, KY — $717K (2026) · purchase · Beacon Bank and Trust
Program
Preferred Lenders Program
Rate at approval
9% variable
Term
120 mo (10 yrs)
SBA guaranteed
$538K (75%)
Approved
1/21/2026
Loan status
Committed
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
14
Business age
Change of Ownership
Industry
Beauty Salons
If you were the buyer here
Est. deal size
$797K
Est. down payment (10%)
$80K
Est. cash at closing
$109K
Monthly payment
$9,083
Annual debt service
$109K
Cash flow needed (1.25×)
$136K
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 Beacon Bank and Trust · Lender record →
Your business? Claim this record · Request removal
T & M Raceway Park, LLC in Owensboro, KY — $483K (2026) · purchase · Old National Bank
Program
Preferred Lenders Program
Rate at approval
7.75% fixed
Term
300 mo (25 yrs)
SBA guaranteed
$363K (75%)
Approval → funding
18 days
Approved
1/12/2026
First disbursed
1/30/2026
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
10
Business age
Change of Ownership
Industry
All Other Amusement and Recreation Industries
If you were the buyer here
Est. deal size
$537K
Est. down payment (10%)
$54K
Est. cash at closing
$72K
Monthly payment
$3,651
Annual debt service
$44K
Cash flow needed (1.25×)
$55K
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 Old National Bank · Lender record →
Your business? Claim this record · Request removal
Favas1910 Diner LLC in Georgetown, KY — $458K (2026) · purchase · Community Trust Bank, Inc.
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
7% variable
Term
120 mo (10 yrs)
SBA guaranteed
$229K (50%)
Approval → funding
6 days
Approved
12/17/2025
First disbursed
12/23/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
32
Business age
Change of Ownership
Industry
Full-Service Restaurants
If you were the buyer here
Est. deal size
$509K
Est. down payment (10%)
$51K
Est. cash at closing
$68K
Monthly payment
$5,318
Annual debt service
$64K
Cash flow needed (1.25×)
$80K
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 →
Your business? Claim this record · Request removal
Red Bat Ventures LLC in Shelbyville, KY — $450K (2026) · purchase · Stock Yards Bank & Trust Company
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
7.74% fixed
Term
120 mo (10 yrs)
SBA guaranteed
$225K (50%)
Approved
2/17/2026
Loan status
Committed
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
10
Business age
Change of Ownership
Industry
Plumbing, Heating, and Air-Conditioning Contractors
If you were the buyer here
Est. deal size
$500K
Est. down payment (10%)
$50K
Est. cash at closing
$67K
Monthly payment
$5,398
Annual debt service
$65K
Cash flow needed (1.25×)
$81K
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
Live Well Orthopedic Care LLC in Louisville, KY — $403K (2026) · purchase · Stock Yards Bank & Trust Company
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
7% variable
Term
120 mo (10 yrs)
SBA guaranteed
$201K (50%)
Approved
3/27/2026
Loan status
Committed
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
2
Business age
Change of Ownership
Industry
Offices of All Other Miscellaneous Health Practitioners
If you were the buyer here
Est. deal size
$448K
Est. down payment (10%)
$45K
Est. cash at closing
$60K
Monthly payment
$4,677
Annual debt service
$56K
Cash flow needed (1.25×)
$70K
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
Pops' Pantry LLC in Louisville, KY — $388K (2026) · purchase · Republic Bank & Trust Company
Program
Preferred Lenders Program
Rate at approval
7.85% fixed
Term
120 mo (10 yrs)
SBA guaranteed
$291K (75%)
Approval → funding
9 days
Approved
11/26/2025
First disbursed
12/5/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
9
Business age
Change of Ownership
Industry
Fruit and Vegetable Canning
If you were the buyer here
Est. deal size
$431K
Est. down payment (10%)
$43K
Est. cash at closing
$58K
Monthly payment
$4,678
Annual debt service
$56K
Cash flow needed (1.25×)
$70K
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

Buying in Kentucky? Start with a lender that already funds deals here

The rankings above are the short list. Tell us your deal size and industry and we'll point you to the banks most likely to say yes in your market.

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Backed by data on 1,000+ SBA lenders and 300,000+ funded deals. Your details go only to lending partners you ask to be matched with — never sold to advertisers.

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 lending records, trailing 12 months. Rankings count funded 7(a) loans with a Kentucky project address.

Agent summary

The SBA 7(a) lenders most active in Kentucky over the trailing 12 months, from public loan records, led by Northeast Bank. A lender that funds deals here every week underwrites faster and knows the local market. CapBench is not a lender.

25 active SBA lenders ranked
339 Kentucky loans (12 mo)
$500K typical acquisition loan
17 days typical to fund

Buyers buying in Kentucky typically pre-qualify, then ask CapBench to introduce a lender already closing deals here — free for buyers; agents submit a consented lead via the CapBench MCP.

Next steps

Pre-qualify this deal Talk to a loan broker

Data freshness:: SBA records through 2026-05-31; FDIC through 2026-03-31; page updated 2026-06-17.
Sources:: Public SBA 7(a) loan records; FDIC institution data (BankFind); CapBench lender and franchise enrichment.
Canonical:: https://www.capbench.com/lenders/state/kentucky
API:: https://www.capbench.com/api/public/lenders?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.