SBA lending by metro area
SBA lenders in Richmond, KY
Which lenders fund Richmond-area businesses, how much, and how the market compares with Kentucky: SBA 7(a) and 504 loans, FY2010–2026.
By Mario Bailey · SBA FOIA data as of 2026-03-31
Top SBA lenders in the Richmond area
Ranked by SBA volume funded to businesses located in the Richmond micropolitan area, wherever the lender is headquartered. National SBA lenders that fund here are included.
| # | Lender | Loans | Total funded | Average loan | 7(a) charge-off |
|---|---|---|---|---|---|
| 1 | Community Trust Bank, Inc. | 36 | $11.6M | $322K | 2.78% |
| 2 | JPMorgan Chase Bank, National Association | 10 | $5.2M | $517K | not reported |
| 3 | U.S. Bank, National Association | 37 | $2.1M | $56K | 5.41% |
| 4 | The Huntington National Bank | 5 | $1.6M | $314K | not reported |
| 5 | Stock Yards Bank & Trust Company | 5 | $1.5M | $301K | not reported |
| 6 | Newtek Bank, National Association | 5 | $865K | $173K | not reported |
| 7 | Northeast Bank | 8 | $682K | $85K | not reported |
SBA 7(a) and 504 loans, FY2010–2026, as of 2026-03-31, from the SBA's public record.
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How Richmond compares
Median funded SBA loan and 504 share of loans, FY2010–2026.
| Median loan | 504 share | |
|---|---|---|
| Richmond area | $111K ▼ 22.3% | 4.3% ▼ 2.5 pts |
| Kentucky | $143K | 6.8% |
| United States | $179K | 11.2% |
What gets funded in Richmond
| Industry | Loans | Total funded |
|---|---|---|
| Accommodation and Food Services | 17 | $17.0M |
| Retail Trade | 34 | $15.2M |
| Manufacturing | 15 | $14.8M |
| Health Care and Social Assistance | 24 | $10.6M |
| Other Services | 15 | $5.7M |
| Construction | 22 | $2.8M |
| Arts, Entertainment, Recreation | 6 | $1.8M |
| Transportation and Warehousing | 6 | $1.4M |
SBA lending in Richmond by year
Geography, precisely
"Richmond area" here means the Richmond-Berea, KY micropolitan statistical area as delineated by OMB (July 2023), which is exactly these counties: Estill County, KY; Madison County, KY; Rockcastle County, KY. Loans are placed by the SBA's recorded project county, which can differ from a borrower's mailing address. Counts are SBA 7(a) and 504 funded loans, FY2010–2026, as of 2026-03-31. See the methodology.