South Central Bank, Inc.
SBA lender based in Kentucky serving 3 states and 51 industries
Is South Central Bank, Inc. the right SBA lender for your deal?
South Central Bank, Inc. has funded 276 SBA loans across 3 states and 51 industries. Their average loan size is $192K. Whether they are the right SBA lender for your deal depends on size, industry, geography, and credit profile. Historical volume is not a quote. PeerSense does not speak for South Central Bank, Inc..
South Central Bank, Inc. is an SBA Preferred Lender (PLP), a designation the SBA grants to lenders with delegated authority to approve 7(a) loans in-house, which speeds underwriting and closing. South Central Bank, Inc. has funded 276 SBA 7(a) loans across 3 states, averaging $192K per loan. PLP status means the lender does not have to send each file to the SBA for review, a material edge on turnaround for qualified borrowers.
Top Lending States
Tell us about your deal. Lenders underwrite. We do not.
Talk to PeerSenseFOIA history for South Central Bank, Inc.
FOIA history for South Central Bank, Inc.: 276 SBA loans across 3 states, average size $192K. Highest-volume NAICS in the tape: Limited-Service Restaurants. Highest-volume state in the tape: Kentucky. Resolved-loan charge-off rate: 17.4%. That is history, not a buy box and not a prediction they will fund your file. Tell us about your deal.
Recent SBA Activity at South Central Bank, Inc.
Franchise lending: South Central Bank, Inc. has funded SBA loans for multiple franchise concepts, with the highest volume in GREAT HARVEST BREAD CO., SUBWAY SANDWICH SHOP, and Servpro. Lender-franchise familiarity reduces underwriting friction: brands the lender already knows clear faster and re-trade less.
Industry concentration: The lender's highest-volume SBA industries are Limited-Service Restaurants, Administrative Support, and Food Manufacturing. Borrowers in these NAICS sectors typically see better terms and faster approvals.
Geographic concentration: Top markets are Kentucky, and Tennessee. Lenders typically underwrite faster in states where they already have closing comps.
Compare South Central Bank, Inc. to Similar SBA Lenders
Other SBA lenders headquartered in Kentucky with similar deal-size profiles. Borrowers should always compare 3–5 lenders before committing.
Looking for SBA Financing?
Tell us about your deal. Lenders underwrite. PeerSense uses proprietary data on lender track records to find the best fit for your industry, location, and loan size.
Curated capital network · 899+ SBA lenders tracked · The desk will reach out on qualified deals
About South Central Bank, Inc. SBA Lending
South Central Bank, Inc. is an SBA lender headquartered in Kentucky. PeerSense tracks this lender's SBA lending activity, including approval trends, geographic coverage, and industry specializations.
South Central Bank, Inc. serves borrowers across 3 states and 51 industry sectors with a regional lending focus. To find out whether South Central Bank, Inc. is a good fit for your specific deal, reach out to PeerSense for a free lender match.
PeerSense maintains detailed performance data on hundreds of SBA lenders to help borrowers and brokers identify the right capital source. Rather than spending weeks researching lenders on your own, book a free call and let our team match you with lenders who have a proven track record in your industry and geography.
Explore More
All SBA Lenders
Browse 899+ capital sources by state
SBA Loan Calculator
Estimate payments with live rates
Industry Benchmarks
SBA lending data across 100+ industries
Best SBA Franchise Lenders
Franchise lending track records
SBA Loans Guide
7(a), 504, Express: full overview
Talk to PeerSense
Tell us about your deal, free consultation
See Related Rates by Program
PeerSense covers the full commercial capital stack. Indicative levels that lenders in our network have been pricing across these programs, as of September 1, 2026.
Originator warehouse
$100M a monthFocus $100 million a month. Will look at $10 million a month. $10 million is not the focus.
Invoice Factoring
0.5–3.5% / 30dB2B invoices from $20 million a month. Advance 80 to 95 percent of face.
CMBS Conduit
5.60–7.10%10 year Non Recourse fixed, $10 million and up, fully assumable
Bridge Loans
9.00–14.00%$10 million and up. Cash in about 35 percent. Name the takeout first.
Data Center
CRS to 89%$1 billion to $30 billion plus. Signed or guaranteed hyperscaler lease.
Contracted revenue sale
Up to 89%15 year lease signed or guaranteed by a hyperscaler. Size follows the lease.
Hotel Financing
SearchHotel is search only. Public floor $10 million and up. Cash in about 35 percent.
Private Credit
7.80–18.00%Non-bank flexibility. Public CRE floor $10 million and up.
DSCR Investor
SearchSearch path. Public CRE floor $10 million and up.
Indicative only, as of September 1, 2026. Not a quote, commitment or offer of credit. Final pricing, leverage and terms are determined by the lender at underwriting, after full transaction materials are reviewed. PeerSense sources the file. The lender sets pricing. What these terms mean.