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KY
Last updated: July 11, 2025
Kentucky Business Funding Guide
Kentucky continues to see modest activity in the SBA lending space in 2025, with an average loan amount of $450,000. While the agriculture and bourbon industries anchor the state's economy, limited SBA intermediaries in rural areas create barriers for underserved businesses. However, major cities like Louisville and Lexington have seen an uptick in business loan approvals, offering improved opportunities to access working capital and equipment financing.
4,505,836
Population
460000
Avg. Funding Amount
Agriculture
Business Climate
3
Major Cities
Major Business Centers
Louisville
Lexington
Bowling Green
Top Business Funding Topics for Kentucky
Essential reading for Kentucky entrepreneurs seeking business funding
Merchant Cash Advance
#1
Everything you need to know about merchant cash advances, including how they work, costs, benefits, and alternatives - Specifically tailored for Kentucky businesses and market conditions.
12 min read
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