Top Kentucky SBA Lenders | SBA Loans in KY

Last annual update: May 8, 2023


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Few Kentucky-based banks were among the largest lenders to “The Bluegrass State” businesses through the U.S. Small Business Administration’s 7(a) program. Whether your business is a restaurant, auto repair, medical practice, funeral home, veterinary or hotel, your mission is to exceed your customer expectations. So, if you’re ready to step up your business to the next level, here are the top SBA Lenders in Kentucky:

Top SBA lenders in Kentucky

KY RankKentucky BankBank HQs# of LoansAvg InterestAvg KY Loan
1U.S. BankCincinnati, OH606.9%$62,643
2Community Trust BankPikeville, KY525.6%$150,844
3The Huntington National BankColumbus, OH456.9%$357,260
4Stock Yards Bank & TrustLouisville, KY245.9%$664,329
5Republic Bank & TrustLouisville, KY225.2%$448,518
6BayFirst National BankSaint Petersburg, FL127.7%$242,350
7Live OakWilmington, NC115.3%$1,165,700
8Newtek Small Business FinanceLake Success, NY108.8%$1,252,080


SBA loans – Kentucky

A note about these Kentucky SBA lenders – People frequently ask us if one of the banks above is 1) on the Kentucky preferred lender list 2) an approved lender in Kentucky, or 3) participating in the Kentucky SBA Express lending program. All these questions revolve around whether a given SBA bank makes small business SBA loans in Kentucky and can they process SBA loans quickly. The answer is yes, of course. These are not the small banks that only make a few SBA loans a year and do not understand the SBA 7(a) loan program. These are the banks that have made the most SBA loans in Kentucky and in Louisville.

We analyze thousands of SBA loans each year and rank lenders based on recent activity. We would be remiss if we did not mention that although many banks will only lend in certain geographies, there are a handful of extremely aggressive nationwide SBA lenders who will lend anywhere. These lenders understand the SBA program as well as anyone and move very quickly, so we recommend not limiting your search to your home state. If you utilize our lender match tool, we can find you suitable SBA banks based on your geography, industry, and company and size at no cost or obligation to you to save you valuable time.

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