Top SBA Acquisition Lenders in Kentucky
29 active SBA 7(a) lenders in Kentucky, ranked by acquisition loan count.
Lenders
in Kentucky
Total Volume
Median Rate
Median Loan Size
Top Lenders in Kentucky
Lending by Industry in Kentucky
Covers the 27 of 71 Kentucky loans that the FOIA dataset reports at the state and industry level.
Top 25 Lenders in Kentucky
| # | Lender | Loans | Volume | Rate | Default Rate |
|---|---|---|---|---|---|
| 1 | Stock Yards Bank & Trust Company | 10 | $7.4M | P+0.00% | 1.4% |
| 2 | Community Trust Bank, Inc. | 8 | $2.7M | P+0.00% | 0.0% |
| 3 | Republic Bank & Trust Company | 5 | $1.8M | P+0.00% | 0.0% |
| 4 | The Huntington National Bank | 5 | $6.7M | P+2.25% | 1.5% |
| 5 | Live Oak Bank | 5 | $14.7M | P+1.50% | 0.8% |
| 6 | German American Bank | 4 | $14.0M | P+2.00% | 0.0% |
| 7 | Open Bank | 3 | $2.9M | P+1.50% | 0.9% |
| 8 | American Momentum Bank | 3 | $2.8M | P+2.25% | 2.9% |
| 9 | Heritage Bank, Inc. | 2 | $10.0M | P+2.75% | 0.0% |
| 10 | U.S. Bank, National Association | 2 | $362K | P+0.74% | 2.4% |
| 11 | T Bank, National Association | 2 | $1.8M | P+2.00% | 0.0% |
| 12 | Mechanics and Farmers Bank | 2 | $1.5M | P+3.00% | 0.0% |
| 13 | Community Financial Services Bank | 2 | $380K | P+2.50% | 0.0% |
| 14 | Brookline Bank | 2 | $1.8M | P+2.25% | 0.9% |
| 15 | First Financial Bank | 2 | $1.1M | P+1.63% | 1.0% |
| 16 | TowneBank | 1 | $1.8M | P+2.25% | 0.7% |
| 17 | Pathward National Association | 1 | $5.0M | P+2.25% | 9.8% |
| 18 | GBank | 1 | $5.0M | P+1.00% | 0.6% |
| 19 | PNC Bank, National Association | 1 | $248K | P+0.00% | 0.4% |
| 20 | Civista Bank | 1 | $210K | P+2.00% | 0.0% |
| 21 | Harvest Small Business Finance, LLC | 1 | $2.7M | P+2.38% | 0.0% |
| 22 | The Paducah Bank and Trust Company | 1 | $280K | P+0.00% | 0.0% |
| 23 | RiverHills Bank | 1 | $1.0M | P+2.00% | 0.0% |
| 24 | Celtic Bank Corporation | 1 | $4.5M | P+2.50% | 1.9% |
| 25 | Old National Bank | 1 | $4.0M | P+0.30% | 2.4% |
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Customize your search →SBA 7(a) Lending in Kentucky
Kentucky has 29 active SBA 7(a) acquisition lenders that have originated a combined 71 loans totaling $105.0M in volume. The median acquisition loan size in Kentucky is $960K, with a median interest rate of Prime + 2.25% (Prime + spread).
When evaluating SBA lenders in Kentucky, consider loan volume (a proxy for experience), interest rates, and historical default rates. Lenders designated as PLP (Preferred Lender Program) have delegated authority from the SBA to approve loans, which typically results in faster processing times.
Frequently Asked Questions
How many SBA 7(a) lenders are active in Kentucky?
There are currently 29 active SBA 7(a) lenders in Kentucky based on FOIA lending data. These lenders have originated 71 acquisition loans.
What is the typical SBA loan rate in Kentucky?
The median SBA 7(a) acquisition loan rate in Kentucky is Prime + 2.25% (current Prime rate: 6.75%). Rates are typically expressed as Prime plus a spread, with the SBA capping the spread at 3.0% for loans over $250,000.
What is a PLP lender?
A PLP (Preferred Lender Program) lender has been granted delegated authority by the SBA to make credit decisions without prior SBA review. This typically means faster loan processing and approval timelines.
Data source: SBA 7(a) FOIA lending data. Rankings are based on loan count within the selected dimension. Rates shown are median interest rates expressed as Prime + spread. Default rates represent 10-year cumulative default rates. Data is refreshed periodically and may not reflect the most recent lending activity.
Figures shown here are historical SBA 7(a) lending data presented for general information only. They are not an offer of credit, a prediction of the terms you will receive, or financial advice. VerSquare is not a licensed broker, lender, or financial advisor. Consult a licensed professional before making a financing decision.