SBA Lenders in Kentucky
11 SBA-approved lenders headquartered in Kentucky (KY) plus 10 more that actively fund Kentucky borrowers. Tell us about your deal and we'll match you with the right capital source.
Who are the top SBA lenders in Kentucky?
PeerSense tracks 11 SBA-approved lenders headquartered in Kentucky (KY), plus 10 out-of-state lenders that actively fund Kentucky borrowers. Top by Kentucky-specific volume: Stock Yards Bank & Trust Company, Community Trust Bank, Inc., Heritage Bank Inc. Kentucky HQ lenders have collectively originated $1.4B in SBA volume.
, PeerSense Capital Advisory · Westfield IN · Updated October 1, 2026
Sources: SBA 7(a) & 504 Loan Data, FDIC BankFind
Top SBA Lenders Headquartered in Kentucky
Ranked by total SBA loan activity. Click any bank for the full profile, NAICS specialization, and franchise lending history.
| Lender | State | Activity | Profile |
|---|---|---|---|
| Community Trust Bank, Inc. | KY | High Volume | View Profile → |
| Stock Yards Bank & Trust Company | KY | High Volume | View Profile → |
| Republic Bank & Trust Company | KY | Active | View Profile → |
| Heritage Bank Inc | KY | Active | View Profile → |
| Traditional Bank, Inc. | KY | Active | View Profile → |
| The Paducah Bank and Trust Company | KY | Active | View Profile → |
| South Central Bank, Inc. | KY | Active | View Profile → |
| FNB Bank, Inc. | KY | Active | View Profile → |
| Forcht Bank, National Association | KY | Active | View Profile → |
| Central Bank & Trust Co. | KY | Active | View Profile → |
| Wilson & Muir Bank & Trust Company | KY | Specialized | View Profile → |
Community Trust Bank, Inc.
KYStock Yards Bank & Trust Company
KYRepublic Bank & Trust Company
KYHeritage Bank Inc
KYTraditional Bank, Inc.
KYThe Paducah Bank and Trust Company
KYSouth Central Bank, Inc.
KYFNB Bank, Inc.
KYForcht Bank, National Association
KYCentral Bank & Trust Co.
KYWilson & Muir Bank & Trust Company
KYOut-of-State Lenders Actively Funding Kentucky Borrowers
National banks and multi-state regionals frequently fund Kentucky deals at competitive rates, often with faster underwriting than local-only banks. Ranked by Kentucky-specific SBA volume.
Peoples Bank
HQ MS · 35 KY loans · $33.1M KY volume
First Financial Bank
HQ OH · 44 KY loans · $17.6M KY volume
Everwise Credit Union
HQ IN · 3 KY loans · $10.3M KY volume
German American Bank
HQ IN · 21 KY loans · $9.9M KY volume
Legence Bank
HQ IL · 4 KY loans · $7.5M KY volume
OakStar Bank
HQ MO · 11 KY loans · $6.0M KY volume
Continental Bank
HQ UT · 1 KY loans · $4.9M KY volume
First Financial Bank, National Association
HQ IN · 9 KY loans · $3.4M KY volume
WesBanco Bank, Inc.
HQ WV · 11 KY loans · $3.2M KY volume
First Commonwealth Bank
HQ PA · 10 KY loans · $2.6M KY volume
Looking for an SBA Lender in Kentucky?
PeerSense matches your deal with the right capital source from our network of 11+ Kentucky lenders and hundreds more nationwide. Referral fee established upfront and paid at closing.
SBA Lending in Kentucky
Kentucky is home to 11 SBA-approved lenders that have collectively originated $1.4B in SBA loan volume. These lenders serve businesses across the state through the SBA 7(a) and 504 loan programs, providing financing for acquisitions, commercial real estate, equipment, and working capital.
Whether you're acquiring a business in Kentucky, expanding an existing operation, or purchasing commercial property, SBA financing offers competitive terms with government-backed guarantees. PeerSense analyzes each lender's activity, deal preferences, and specializations to help you find the best fit.
How PeerSense Helps Kentucky Borrowers
We're a commercial lending advisory firm headquartered in Westfield, Indiana. We structure and place deals across SBA, CMBS, private credit, equipment financing, and more. Our team reviews your transaction, identifies the right capital sources, and makes warm introductions to lenders actively funding deals like yours. Most clients hear back from a PeerSense advisor after the file is on the desk.
Talk to PeerSense about SBA capital in Kentucky.
Tell us your loan amount and use of funds. PeerSense sources capital for a Kentucky deal, local or national.
SBA 7(a) / 504: The desk will reach out. No obligation.
Other Capital Programs for Kentucky Borrowers
PeerSense covers the full commercial capital stack for Kentucky operators, beyond SBA. Compare current rates and structures.
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.
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