SBA Microloan Lenders in Kentucky (2026 List)
There are 5 SBA-approved microloan intermediaries lending in Kentucky. The SBA does not lend directly — it funds these organizations, and each one makes its own loans and its own decisions.
SBA microloans run up to $50,000, with an average around $13,000 and terms up to seven years. They are designed for businesses banks turn down: new companies, thin credit files, and owners who need working capital, equipment or inventory rather than property. Because each intermediary sets its own criteria, it is worth approaching more than one of the Kentucky lenders below.
Every lender on this list asks for the same core documents: a written business plan, financial projections, a clear statement of what the money is for, and your credit history. The plan is where most applications stall.
Kentucky
Southeast Kentucky Economic Dev. Corp. (SKED)
Purchase Area Development District
1002 Medical Drive Mayfield, KY 42066270-247-7171Mountain Association for Community Econ. Dev.
433 Chestnut Street Berea, KY 40403859-986-2373Kentucky Highlands Investment Corporation
362 Old Whitley Road P.O. Box 1738 London, KY 40743-1738606-864-5175Community Ventures Corporation
1450 North Broadway Lexington, KY 40505859-231-0054
The business plan every one of them will ask for
Whichever Kentucky lender you approach, the application asks for a business plan with financial projections. We write SBA-ready plans built for microloan applications.
