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Kentucky · Small business funding

SBA 7(a) Loans in Kentucky

Government-backed loans for Kentucky small businesses, with low down payments and long terms for working capital, business acquisitions, owner-occupied real estate and debt refinancing.

Loan size$25K–$5MM
Rates fromPrime + 0.75%
Term5–25 years
Min credit650
Kentucky SBA 7(a) loans$25K–$5MM · Prime + 0.75%2,000+ capital partners

SBA 7(a) Loans in Kentucky

Win-Win Capital Funding arranges SBA 7(a) loans for Kentucky businesses through our SBA lender network, so you can compare offers side by side. Prequalifying doesn't affect your credit.

Kentucky SBA 7(a) loan programs

UseLeverage / amountTerm
Working capitalUp to $5MMUp to 10 years
Business acquisition / partner buyoutOften 10% downUp to 10 years
Owner-occupied real estateUp to 90% LTV, more on some dealsUp to 25 years
Equipment & improvementsUp to $5MMUp to 10 years
Debt refinanceUp to $5MMMatches the use

What we finance in Kentucky

  • Working capital and inventory
  • Buying a business or a partner buyout
  • Owner-occupied commercial real estate, including RV parks, hotels and gas stations
  • Equipment and improvements
  • Refinancing higher-cost business debt
  • Startups with industry experience

Areas we serve in Kentucky

  • Bowling Green
  • Covington
  • Lexington
  • Louisville
  • Owensboro

We also lend in suburban, rural and resort markets throughout Kentucky.

More Kentucky financing

Fix & flip loans in Kentucky · Hard money in Kentucky · RV park financing in Kentucky · Business HELOC in Kentucky · Business second mortgage in Kentucky · DSCR Loans in Kentucky · Bridge Loans in Kentucky · Ground-Up Construction Loans in Kentucky

Investors in nearby states can see SBA 7(a) Loans in Indiana, SBA 7(a) Loans in Ohio, SBA 7(a) Loans in West Virginia, SBA 7(a) Loans in Virginia, SBA 7(a) Loans in Tennessee, SBA 7(a) Loans in Missouri, SBA 7(a) Loans in Illinois.

Business funding is arranged through Win-Win Capital Funding's lender network. Rates, terms and amounts depend on credit, time in business, revenue and collateral, and all financing is subject to lender approval and SBA rules. This is not a commitment to lend.

Questions

SBA 7(a) Loans in Kentucky: FAQ

Who qualifies for an SBA 7(a) loan in Kentucky?

For-profit Kentucky small businesses. A 650 credit score is the minimum (700+ preferred), owners of 20% or more personally guarantee, and startups are considered with industry experience.

How long does an SBA loan take in Kentucky?

As fast as 2 weeks with a complete file; many take 30–60 days.

What's the down payment on a Kentucky SBA loan?

Often 10% or less, and up to 100% financing on some deals.

Can I buy commercial real estate in Kentucky with SBA 7(a)?

Yes, if your business occupies it. Owner-operated properties such as RV parks, hotels and gas stations qualify.

Keep exploring

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