Live Oak Banking Company Home Instead SBA Loans in Kentucky — 4 Funded
Kentucky loan data 2023–2025 · Updated June 2026
Live Oak Banking Company has funded 4 SBA loans to Home Instead franchisees in Kentucky, totaling $7.6M in approved financing across 2 cities and 2 congressional districts.
The average Home Instead loan in Kentucky from Live Oak Banking Company is $1.9M at a 9.01% average interest rate, with terms averaging 120 months. The Kentucky default rate is N/A based on 0 resolved loans. Kentucky represents 5.7% of Live Oak Banking Company's total Home Instead lending nationally. These loans collectively support 694 Kentucky jobs. SBA-guaranteed portion totals $5.6M (62.5% of approved volume). 2 of these loans were originated in the last 2 fiscal years.
How Kentucky Compares to Live Oak Banking Company's National Home Instead Lending
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Live Oak Banking Company is one of 2+ lenders who have funded Home Instead in Kentucky. We can help you compare options and connect with lenders experienced in this brand and state — no retainers, referral fee at closing.
Live Oak Banking Company Home Instead Loan Performance in Kentucky
Based on 4 SBA loans originated by Live Oak Banking Company for Home Instead franchisees with Kentucky addresses, the Kentucky-specific lending relationship spans 2023–2025.
The Kentucky loan size range extends from $150K to $4.8M, indicating Live Oak Banking Company funds both smaller single-unit Home Instead operations and larger multi-unit or renovation projects in Kentucky. Each loan supports an average of 174 jobs in the local economy, and the portfolio collectively supports 694 Kentucky jobs. Most Kentucky Home Instead loans from Live Oak Banking Company are classified under "Services for the Elderly and Persons with Disabilities" (NAICS).
Recent activity: Live Oak Banking Company has originated 2 Home Instead Kentucky loans in the last 2 fiscal years and 4 since fiscal year 2020. The most recent Home Instead Kentucky approval recorded is from FY2026.
SBA guarantee profile: The SBA-guaranteed portion of Live Oak Banking Company's Home Instead Kentucky loans averages 62.5% of approved volume, totaling $5.6M in federally-backed exposure. 7(a) loans typically carry a 75-85% guarantee, so a higher percentage suggests a smaller-loan/SBA Express mix; lower suggests larger PLP deals where the lender retains more risk.
SBA Programs Used for Home Instead Loans in Kentucky
| Program | Loans | Avg Size | Avg Rate | Avg Term |
|---|---|---|---|---|
| SBA 7A | 4 | $1.9M | 9.01% | 120 mo |
Home Instead Loan Size Distribution from Live Oak Banking Company in Kentucky
How Live Oak Banking Company's Home Instead Kentucky loan sizes break down by deal size. Useful for sizing your own deal: where do most Kentucky Home Instead approvals land?
| Loan Size Range | Loans | Avg Loan Size | % of Kentucky Loans |
|---|---|---|---|
| $150K-$350K | 2 | $200K | 50% |
| Over $1.5M | 2 | $3.6M | 50% |
How Live Oak Banking Company Originates Home Instead Loans in Kentucky
SBA delivery method matters: Preferred Lenders Program (PLP) closes 2-3 weeks faster than General Processing because the lender holds full credit authority. Live Oak Banking Company uses 2 different Kentucky delivery methods for Home Instead:
| Delivery Method | Loans | Avg Loan Size |
|---|---|---|
| SBA Express Program | 2 | $200K |
| Preferred Lenders Program | 2 | $3.6M |
Where in Kentucky Live Oak Banking Company Funds Home Instead Locations
| City | Loans | Avg Loan Size | Total Volume | Default Rate |
|---|---|---|---|---|
| Lexington | 2 | $1.3M | $2.6M | N/A |
| Owensboro | 2 | $2.5M | $5.0M | N/A |
Live Oak Banking Company's strongest Home Instead lending presence in Kentucky is concentrated in Lexington (2 loans), Owensboro (2 loans).
Live Oak Banking Company Home Instead Lending in Kentucky Over Time
| Year | Loans | Avg Size | Total Volume | Avg Rate |
|---|---|---|---|---|
| 2026 | 2 | $1.3M | $2.6M | 8.03% |
| 2023 | 2 | $2.5M | $5.0M | 10% |
Other Lenders That Fund Home Instead in Kentucky
Live Oak Banking Company is not the only lender funding Home Instead in Kentucky. Compare 1 other banks who have originated Home Instead SBA loans to Kentucky borrowers.
| Lender | Kentucky Loans | Avg Size | Default Rate |
|---|---|---|---|
| Live Oak Banking Company (this page) | 4 | $1.9M | N/A |
| The Huntington National Bank | 2 | $257K | 0% — Low Risk |
Other Franchises Live Oak Banking Company Funds in Kentucky
Live Oak Banking Company is active in Kentucky franchise lending beyond Home Instead. Other Kentucky franchise brands they have funded:
Live Oak Banking Company Home Instead Lending in Other States
Live Oak Banking Company has also funded Home Instead franchisees in 8 other states. View state-specific data:
How to Get an SBA Loan for a Home Instead Franchise in Kentucky
If you're considering a Home Instead franchise in Kentucky and want to finance through Live Oak Banking Company or another SBA lender, here's what you need to know based on our analysis of 4 historical Kentucky loans.
Verify Your Qualifications
Most SBA franchise loans require a 680+ credit score, 20-30% down payment, and relevant industry or management experience.Home Instead's franchise fee and total investment determine minimum capital requirements.
Compare Kentucky Lenders
2 lenders have funded Home Instead in Kentucky. Lenders with more local Home Instead experience typically close faster because they understand both the brand and the local market. Compare rates, default rates, and city coverage above.
Get Pre-Qualified
PeerSense matches Kentucky borrowers with lenders who have a proven track record funding Home Instead in your state. No retainers — our referral fee is paid at closing. Get matched in 24 hours.
Expected loan terms based on Kentucky historical data: The average Home Instead SBA loan from Live Oak Banking Company in Kentucky is $1.9M with a 9.01% interest rate and a 120-month term.Kentucky loan amounts range from $150K to $4.8M.
Ready to Fund Your Home Instead Franchise in Kentucky?
We connect you with lenders who have already funded Home Instead in Kentucky — so you can compare terms and close with confidence. No retainers. Referral fee paid at closing.