BlogRankingStateBest Kentucky SBA Lenders & Rates of 2026

Best Kentucky SBA Lenders & Rates of 2026

February 2, 2026
Ranking, State
1 min read

$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:

Rank Lender Volume Loans Avg Rate
1 Stock Yards Bank & Trust Company $34.5M 42 7.72%
2 Live Oak Banking Company $26.7M 19 9.21%
3 Republic Bank & Trust Company $14.5M 35 7.87%
4 Community Trust Bank, Inc. $12.8M 51 8.06%
5 U.S. Bank, National Association $11.9M 51 9.81%
6 The Huntington National Bank $11.3M 35 9.69%
7 Northeast Bank $11.0M 63 11.15%
8 Newtek Bank, National Association $9.5M 33 10.67%
9 Heritage Bank Inc $8.8M 6 9.75%
10 South Central Bank, Inc. $8.1M 4 7.94%
11 US Metro Bank $7.5M 2 8.63%
12 Celtic Bank Corporation $6.8M 14 10.77%
13 GBank $6.7M 2 8.38%
14 Fifth Third Bank $6.6M 12 10.23%
15 United Midwest Savings Bank National Association $5.9M 6 10.25%
16 Pathward National Association $5.0M 1 9.50%
17 First Internet Bank of Indiana $5.0M 1 10.25%
18 Old National Bank $4.9M 5 8.44%
19 First Bank of the Lake $4.4M 4 9.63%
20 First Financial Bank $3.9M 4 9.19%

🤝 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.

http://gosbaloans.com

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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