The Small Business Administration was designed to help America’s small businesses secure funding needed to operate and grow. A primary way the SBA does this is through the SBA loan program, which extends guaranteed financing to small businesses through participating lenders.

South Central Bank is one of the top SBA lenders in Kentucky. SBA Loans have fixed and variable rates, long terms and low down payments making them a desirable option for business owners.

As an SBA Lender, we are able to provide a quick turn-around time on loans, while still providing our personalized service. Benefits of an SBA loan include the ability to secure long-term financing (no balloon payments), flexible program requirements, longer amortization, and easy accessibility to financing thanks to the Small Business Administration guaranty.

SBA 7(a) Funding Purposes:

  • Business acquisition
  • Partner buyouts
  • Business expansion
  • Real estate purchase
  • Equipment purchase
  • Working capital
  • Refinancing

SBA 7(a) Loan Programs:

7(a) Loans

  • Maximum loan amount $5 million
  • Fixed or variable rates
  • Low down payment
  • Terms:  Typically 10 years, 25 for real estate

Express Loans

  • Maximum loan amount $500K
  • Fixed or variable rates
  • Low down payment
  • Terms:  Typically 10 years, 25 for real estate

SBA 504 Program:

504 – The 504 program is intended for fixed asset lending such as real estate and equipment.

  • Maximum loan amount $5 million
  • Cash injection as low as 10%
  • Structured with 2 loan parts. 1) South Central Bank; 2) SBA. The SBA portion has a long-term fixed rate.

Approved to offer SBA loan products under
SBA’s Lender Program

Have questions?
Contact our SBA Lending Specialist for answers.

South Central Bank has an SBA Lending Specialist with many years of SBA lending experience who will assist your loan officer and you through the SBA process to make it as smooth and easy as possible. To inquire about a potential SBA loan please contact a loan officer near you or feel free to contact our SBA Specialist at 502-901-6961. You can also email him at

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