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. PeerSense matches your deal against South Central Bank, Inc. and 897+ alternatives based on closing probability + pricing.
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.
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Book a CallWhy borrowers choose South Central Bank, Inc.
South Central Bank, Inc. is best suited for borrowers seeking small-business working capital, startup, and franchise loans, with an average SBA loan of $192K. The lender's deepest industry experience is in Limited-Service Restaurants, and their highest-volume state is Kentucky. With 276 SBA loans funded across 3 states, they operate as a regional specialist anchored in Kentucky. Their portfolio default rate is 17.4% (resolved-loan basis). If your deal profile aligns with their underwriting box, this lender is worth a quote. PeerSense matches your specific deal against South Central Bank, Inc. and 897+ alternatives.
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.
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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.
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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 August 1, 2026.
CMBS Conduit
5.60–7.10%10-yr non-recourse fixed, $5M–$500M+, fully assumable
Bridge Loans
9.00–14.00%12–36 mo transitional, SOFR + 470-970 bps, 65-75% LTV
DSCR Investor
5.95–8.50%30-yr fixed rental, qualifies on property cash flow
Equipment Financing
5.50–12.00%Loan, lease, SBA 504, vendor, captive. Section 179 eligible
Hotel Financing
5.85–11.75%CMBS + SBA 504 + bridge + PIP across all flags
Private Credit
7.80–18.00%Non-bank flexibility, unitranche, recap, transitional
Invoice Factoring + ABL
0.5–3.5% / 30dB2B receivables, trucking / staffing / construction / govt
No-Doc CRE
7.50–11.50%Limited-doc commercial, asset-based underwriting
Foreign National
7.50–11.00%Non-US borrower CRE + bridge, no SSN required
Indicative only, as of August 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 does not lend and does not set pricing. What these terms mean.