SBA data · Kentucky
SBA lending in Kentucky
8,669 loans worth $3.39B have been approved for Kentucky projects since FY2010 - the #34 state by SBA dollars, 0.7% of the national total.
State rank
#34
by dollars approved
Approved
$3.39B
FY2010 onward
Loans
8,669
Median loan
$144,000
-20% vs national
Median 7(a) rate
6.13%
Jobs supported
92,893
Lender-reported
Source: U.S. Small Business Administration, SBA 7(a) and 504 FOIA data, as of 2026-06-30. Approvals from FY2010 onward. How we calculate this.
Who lends here
The most active SBA lenders in Kentucky
Ranked by dollars approved for projects in this state. Ranking is computed from federal data and cannot be purchased.
| # | Lender | Approved in KY | Loans | Avg loan | Share |
|---|---|---|---|---|---|
| 1 | The Huntington National Bank | $241.8M | 1,078 | $224,329 | |
| 2 | Stock Yards Bank & Trust Company | $231.8M | 515 | $450,185 | |
| 3 | Live Oak Banking Company | $228.0M | 173 | $1,317,899 | |
| 4 | U.S. Bank | $198.7M | 1,105 | $179,787 | |
| 5 | Community Trust Bank, Inc. | $169.3M | 1,072 | $157,883 | |
| 6 | Capital Access Corporation - Kentucky | $136.5M | 179 | $762,777 | |
| 7 | Community Ventures Corporation | $131.6M | 198 | $664,421 | |
| 8 | Republic Bank & Trust Company | $127.8M | 373 | $342,700 | |
| 9 | First Financial Bank | $114.5M | 273 | $419,344 | |
| 10 | Alloy Development Co., Inc. | $84.4M | 107 | $788,720 | |
| 11 | JPMorgan Chase Bank | $62.9M | 292 | $215,424 | |
| 12 | GBank | $61.1M | 31 | $1,970,971 |
By sector in Kentucky
- Restaurants & Hotels1,285 · $804.7M
- Health Care849 · $346.7M
- Other Services833 · $293.7M
- Retail760 · $289.9M
- Construction1,051 · $254.5M
- Professional Services663 · $186.1M
- Wholesale311 · $135.5M
- Arts & Recreation277 · $102.8M
- Manufacturing163 · $96.1M
- Transportation515 · $95.1M
- Real Estate137 · $86.8M
- Administrative & Waste401 · $80.0M
Most-financed industries
Approvals by fiscal year
Gross approval dollars in Kentucky. The final bar is a partial fiscal year.
Loan sizes in Kentucky
- Under $50K25%
- $50K - $150K26%
- $150K - $350K21%
- $350K - $1M18%
- $1M - $2M7%
- Over $2M4%
SBA lending in Kentucky: common questions
- How many SBA loans are approved in Kentucky?
- 8,669 SBA 7(a) and 504 loans totalling $3,393,318,500 have been approved for projects in Kentucky since fiscal year 2010, ranking it #34 among states and territories by dollars approved - 0.7% of all SBA lending nationally.
- Which lenders make the most SBA loans in Kentucky?
- By dollars approved in Kentucky, the most active lenders are The Huntington National Bank, Stock Yards Bank & Trust Company, Live Oak Banking Company, U.S. Bank, Community Trust Bank, Inc.. Volume is not a recommendation - a lender's fit depends on your industry, loan size, and credit profile.
- What is the typical SBA loan size in Kentucky?
- The median gross approval in Kentucky is $144,000, 20% below the national median of $180,000. Half of all loans in the state fall between $20,000 and $1,026,200.
- Do I need to use a lender based in Kentucky?
- No. SBA lenders can and routinely do lend across state lines, and several of the largest national 7(a) lenders have no branch presence at all. The lenders listed on this page are those with the most approved dollars for projects located in Kentucky, wherever they are headquartered.
Source: U.S. Small Business Administration, SBA 7(a) and 504 FOIA data, as of 2026-06-30. Approvals from FY2010 onward. How we calculate this.
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