SBA lending by state
SBA Lending in Kentucky
In Kentucky, SBA lenders funded 8,536 7(a) and 504 loans since FY2010, totaling $3.3B, an average of $388K per loan. The most active lender is U.S. Bank, National Association, and the most-funded industry is Accommodation and Food Services.
By Mario Bailey · Source: SBA FOIA data, FY2010–2026 (as of 2026-03-31)
Top SBA lenders in Kentucky
Ranked by SBA loans funded in Kentucky since FY2010. Each lender's figures, including its 7(a) charge-off rate, cover its Kentucky loans only. Charge-off is reported on 7(a) loans, never on 504 loans, so a lender without a reliable 7(a) sample in Kentucky shows “not reported,” never 0%.
See the full Kentucky ranking : up to 25 lenders, with the 7(a) vs 504 leaders and industry context.
| # | Lender | Loans | Total funded | Average loan | 7(a) charge-off |
|---|---|---|---|---|---|
| 1 | U.S. Bank, National Association | 1,095 | $194.2M | $177K | 3.84% |
| 2 | The Huntington National Bank | 1,077 | $240.9M | $224K | 3.62% |
| 3 | Community Trust Bank, Inc. | 1,063 | $168.2M | $158K | 6.68% |
| 4 | Stock Yards Bank & Trust Company | 497 | $221.6M | $446K | 3.62% |
| 5 | Republic Bank & Trust Company | 364 | $123.2M | $338K | 0.27% |
| 6 | JPMorgan Chase Bank, National Association | 288 | $61.5M | $214K | 4.86% |
| 7 | Community Ventures Corporation | 197 | $131.1M | $665K | not reported |
| 8 | PNC Bank, National Association | 190 | $34.8M | $183K | 3.68% |
| 9 | First Financial Bank | 182 | $84.1M | $462K | 2.20% |
| 10 | Capital Access Corporation - Kentucky | 179 | $136.5M | $763K | 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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504 lenders (CDCs) in Kentucky
An SBA 504 project in Kentucky pairs two lenders: a bank or credit union funds roughly half the cost as a first mortgage, and a Certified Development Company (CDC) funds about 40% through an SBA-backed debenture, with the borrower putting down around 10%. Below are the CDCs most active on 504 loans in Kentucky, ranked by 504 loans funded in the state since FY2010. Figures are 504-only; charge-off is reported on 7(a) loans only and does not apply to CDCs.
| CDC | 504 loans | 504 volume |
|---|---|---|
| Community Ventures Corporation | 196 | $130.9M |
| Capital Access Corporation - Kentucky | 179 | $136.5M |
| Alloy Development Co., Inc. | 106 | $83.3M |
| Purchase Area Development District | 48 | $27.9M |
| Premier Capital Corporation | 34 | $23.7M |
| Indiana Statewide Certified Development Corporation | 2 | $2.7M |
| Brightbridge, Inc. | 2 | $1.6M |
| Oakland County Business Finance Corporation | 1 | $3.3M |
| Small Business Access Partners, Inc. | 1 | $2.3M |
| West Central Partnership, Inc. | 1 | $2.3M |
Showing the 10 CDCs most active on 504 loans in Kentucky; the full directory lists every CDC.
All Certified Development Companies · Current 504 loan rates · How 504 loans work
Top industries funded in Kentucky
| Industry | Loans | Total volume |
|---|---|---|
| Accommodation and Food Services | 1,264 | $785.4M |
| Retail Trade | 1,191 | $399.6M |
| Manufacturing | 608 | $383.7M |
| Health Care and Social Assistance | 830 | $333.7M |
| Other Services | 821 | $288.1M |
| Construction | 1,025 | $241.9M |
| Professional and Technical Services | 659 | $188.0M |
| Wholesale Trade | 312 | $135.6M |
Top cities for SBA loans in Kentucky
Where SBA 7(a) and 504 borrowers in Kentucky are located, by funded volume.
| City | Loans | Total volume |
|---|---|---|
| Louisville | 2,015 | $883.6M |
| Lexington | 897 | $326.1M |
| Florence | 265 | $98.5M |
| Bowling Green | 216 | $89.9M |
| Owensboro | 150 | $76.4M |
| Elizabethtown | 101 | $63.7M |
| Paducah | 159 | $59.6M |
| Shelbyville | 95 | $55.8M |
SBA lending by metro area in Kentucky
Which lenders fund each Kentucky market, with local loan sizes and industries.
- SBA lenders in Cincinnati, OH 9,317 loans
- SBA lenders in Louisville, KY 3,211 loans
- SBA lenders in Lexington-Fayette, KY 1,420 loans
- SBA lenders in Clarksville, TN 485 loans
- SBA lenders in Huntington, WV 531 loans
- SBA lenders in Bowling Green, KY 283 loans
- SBA lenders in Elizabethtown, KY 161 loans
- SBA lenders in Owensboro, KY 173 loans
- SBA lenders in Corbin, KY 121 loans
- SBA lenders in Paducah, KY 213 loans
- SBA lenders in Richmond, KY 163 loans
- SBA lenders in Pikeville, KY 244 loans
- SBA lenders in Glasgow, KY 129 loans
- SBA lenders in Frankfort, KY 111 loans
- SBA lenders in Henderson, KY 43 loans
- SBA lenders in Mount Sterling, KY 82 loans
- SBA lenders in Mayfield, KY 63 loans
- SBA lenders in Somerset, KY 69 loans
- SBA lenders in Murray, KY 52 loans
- SBA lenders in Danville, KY 88 loans
- SBA lenders in Madisonville, KY 47 loans
- SBA lenders in Middlesborough, KY 32 loans
SBA lending in Kentucky by year
Funded SBA volume by approval fiscal year (FY2010–2026).
| Fiscal year | Loans | Total volume |
|---|---|---|
| 2010 | 577 | $150.1M |
| 2011 | 623 | $196.5M |
| 2012 | 472 | $164.5M |
| 2013 | 487 | $152.6M |
| 2014 | 545 | $156.2M |
| 2015 | 617 | $203.2M |
| 2016 | 568 | $223.1M |
| 2017 | 514 | $180.9M |
| 2018 | 509 | $168.4M |
| 2019 | 466 | $170.5M |
| 2020 | 391 | $174.3M |
| 2021 | 503 | $297.7M |
| 2022 | 430 | $202.6M |
| 2023 | 460 | $213.8M |
| 2024 | 550 | $244.6M |
| 2025 | 615 | $309.4M |
| 2026 | 209 | $102.8M |
SBA lending in Kentucky: frequently asked questions
How much SBA lending is there in Kentucky?
SBA lenders funded 8,536 7(a) and 504 loans totaling $3.3B in Kentucky in the public SBA data (as of 2026-03-31), an average of $388K per loan.
Who is the most active SBA lender in Kentucky?
U.S. Bank, National Association is the most active SBA lender in Kentucky in the public data, by loans funded.
What industries get the most SBA loans in Kentucky?
The most-funded industry for SBA loans in Kentucky is Accommodation and Food Services.
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