Best Kentucky SBA Lenders & Rates of 2026

Compare 66 SBA lenders in Kentucky. $257.8M funded across 508 businesses. Average rate 9.63%. Get matched free.

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Best Kentucky SBA Lenders & Rates of 2026

$257.8M
Total Funded

508
Loans Approved

$507K
Avg Loan Size

9.63%
Avg Interest Rate

66
Active Lenders

SBA Loans in Kentucky

Kentucky businesses received $257.8M in SBA 7(a) loan approvals across 508 businesses in 2025. With 66 active SBA lenders competing for business in Kentucky, understanding which banks offer the best rates can save you tens of thousands of dollars.

💡 Key Insight: The average SBA loan in Kentucky is $507K, with rates averaging 9.63%. Rates vary significantly by lender—comparing offers can save you $50,000+ over the life of your loan.

Top SBA Lenders in Kentucky (2025)

Based on official SBA data analyzed by GoSBA Loans, these are the banks that funded the most SBA 7(a) loans to Kentucky businesses:

RankLenderVolumeLoansAvg Rate
1Stock Yards Bank & Trust Company$34.5M427.72%
2Live Oak Banking Company$26.7M199.21%
3Republic Bank & Trust Company$14.5M357.87%
4Community Trust Bank, Inc.$12.8M518.06%
5U.S. Bank, National Association$11.9M519.81%
6The Huntington National Bank$11.3M359.69%
7Northeast Bank$11.0M6311.15%
8Newtek Bank, National Association$9.5M3310.67%
9Heritage Bank Inc$8.8M69.75%
10South Central Bank, Inc.$8.1M47.94%
11US Metro Bank$7.5M28.63%
12Celtic Bank Corporation$6.8M1410.77%
13GBank$6.7M28.38%
14Fifth Third Bank$6.6M1210.23%
15United Midwest Savings Bank National Association$5.9M610.25%
16Pathward National Association$5.0M19.50%
17First Internet Bank of Indiana$5.0M110.25%
18Old National Bank$4.9M58.44%
19First Bank of the Lake$4.4M49.63%
20First Financial Bank$3.9M49.19%

🤝 How to Get an SBA Loan in Kentucky

Many top SBA lenders work primarily through approved SBA loan brokers. This is good news for borrowers:

  • Better Match: Get matched with the right lender for your situation
  • Negotiating Power: Broker relationships can result in better rates
  • Time Savings: One application goes to multiple lenders
  • Expert Guidance: Maximize your approval chances

GoSBA Loans works with lenders across Kentucky and can help you access the best loan programs. Our service is completely free to borrowers.

📞 Get Matched with Kentucky SBA Lenders

Ready to apply for an SBA loan in Kentucky? Our team can help you get matched with the right lender and program for your business.

Looking for SBA lenders in other states? GoSBA Loans works with 75+ SBA lenders nationwide. Contact us to get matched with the best lender for your specific business needs.

Picture of Ishan Jetley

Ishan Jetley

Ishan Jetley is the owner of GoSBA Loans. I have assisted 100's of businesses with their business loans. I specialize in SBA financing for working capital, real estate and business acquisitions.
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