SBA 7(a) loans in Kentucky
Source: U.S. Small Business Administration, 7(a) & 504 FOIA loan data [source] · File as of September 30, 2026 · Loans approved in federal fiscal years 2024–2026 (Oct 2023 – Sept 2026) · Imported November 4, 2026
1,384loans approved
$150,000median loan
$51K–$484Kmiddle half of loans
$677.0Mtotal approved
10%median initial rate
10 yrsmedian term
The median Kentucky loan is 14% smaller than the national median of $175,000.
Loan sizes
Top industries
| Industry (NAICS) | Loans | Median |
|---|---|---|
| Full-Service Restaurants (722511) | 50 | $150,000 |
| Limited-Service Restaurants (722513) | 49 | $350,000 |
| Plumbing, Heating, and Air-Conditioning Contractors (238220) | 45 | $181,200 |
| Fitness and Recreational Sports Centers (713940) | 36 | $150,000 |
| Residential Remodelers (236118) | 35 | $63,400 |
| Snack and Nonalcoholic Beverage Bars (722515) | 34 | $303,800 |
| Landscaping Services (561730) | 29 | $150,000 |
| All Other Specialty Trade Contractors (238990) | 27 | $150,000 |
| Hotels (except Casino Hotels) and Motels (721110) | 25 | $2,966,000 |
| Insurance Agencies and Brokerages (524210) | 25 | $232,100 |
Most active lenders in Kentucky
| Lender | Loans | Median | Total |
|---|---|---|---|
| U.S. Bank, National Association | 156 | $45,000 | $33.9M |
| Community Trust Bank, INC. | 147 | $104,000 | $32.0M |
| The Huntington National Bank | 125 | $124,500 | $38.6M |
| Stock Yards Bank & Trust Company | 114 | $300,000 | $74.8M |
| Republic Bank & Trust Company | 89 | $290,000 | $36.0M |
| Newtek Bank, National Association | 71 | $150,000 | $21.8M |
| Northeast Bank | 66 | $77,500 | $8.7M |
| Readycap Lending, LLC | 53 | $50,000 | $7.9M |
| Live Oak Banking Company | 38 | $600,000 | $48.1M |
| Fifth Third Bank | 32 | $72,500 | $11.1M |
SBA 504 loans in Kentucky
504 loans finance real estate and major equipment through a Certified Development Company (CDC). Approved FY2024–FY2026, file as of September 30, 2026 [source].
63504 loans approved
$509,000median CDC portion
$63.2Mtotal CDC portion
What these 504 amounts cover: only the SBA-backed CDC portion of each project (typically up to 40%). A bank first loan and the borrower's down payment make up the rest, so total project costs are larger.
Most active CDCs in Kentucky
| Lender | Loans | Median | Total |
|---|---|---|---|
| Alloy Development Co., INC. | 21 | $509,000 | $22.6M |
| Community Ventures Corporation | 13 | $501,000 | $12.0M |
| Purchase Area Development District | 11 | $213,000 | $3.3M |
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What this data does — and doesn't — tell you
- Approvals, not applications. These are loans SBA approved. The data has no denials, so it cannot tell you your odds of approval.
- Loan size is not startup cost. 7(a) loans also pay for buying existing businesses, real estate, equipment, refinancing and working capital.
- Gross approval amount. Figures are the full approved loan, including the part SBA does not guarantee. Some approved loans are later reduced or never fully disbursed.
- Industry codes are assigned at approval (NAICS) and can be imprecise — a mobile detailer may be coded as a car wash, for example.
- Medians beat averages here: a few very large loans pull averages up. We show the median and the middle half (25th–75th percentile).
- No default rates. Most recent loans are still being repaid, so charge-off rates for these years would be misleading. We don't show them.
- Cancelled loans are excluded, and any group with fewer than 10 loans is hidden. We never publish borrower names.
- Lender counts aren't a quality rating. Big national lenders make many small loans; local lenders may know your market better. Talk to several, or use SBA Lender Match.