SBA acquisition lenders in Kentucky

Kentucky borrowers closed 126 SBA change-of-ownership loans from FY2025 to FY2026 Q3: $150M approved, a median deal of $677,900, and a median initial rate of 8.78%.

Loans: 126
Approved: $150M
Median deal: $677,900
Median rate: 8.78%
Charged off: 0.00%

Charge-off means SBA wrote the loan off as a loss. The rate covers the FY2020-22 approval cohort, not the window above, because recent loans have had less time to go bad, and is shown only for states with 100 or more cohort loans. Charge-off rates by lender

Most active lenders in Kentucky

Ranked by change-of-ownership loans closed in Kentucky, FY2025 to FY2026 Q3. Medians cover in-state loans only.

Rank	Lender	Loans in KY	Median size	Median rate
1	Stock Yards Bank & Trust Company	16	$385,250	7.50%
2	Huntington National Bank	15	$312,500	9.50%
3	Republic Bank & Trust Company	10	$390,200	8.38%
4	Community Trust Bank, Inc.	9	$425,000	7.75%
5	Live Oak Banking Company	9	$1,750,000	9.50%
6	American Momentum Bank	8	$658,500	9.13%

Lenders with fewer than 5 Kentucky loans in the window are not listed: medians from a handful of loans are not meaningful. The full national ranking is in the lender directory.

The median initial rate on Kentucky acquisition loans, 8.78%, is below the national median of 9.25% for the same window.

Run a deal at these rates

The deal analyzer prices an acquisition with current SBA terms and shows whether the numbers cover the debt.

Open the deal analyzer

The full lender directory

Every 7(a) acquisition lender in the country, searchable and sortable, with loan counts, medians, and rates.

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Source: SBA 7(a) FOIA file, change-of-ownership loans with ProjectState KY. Window stats cover FY2025 to FY2026 Q3, as of June 30, 2026, and refresh with each quarterly cut. Methodology. See an error? Email us and we will correct it.