Serious capital for
Lexington businesses.
From our Harrodsburg Road office, we match Fayette County owners with SBA, working capital, equipment, and line-of-credit programs sized to the business — not sold from a script.
- 1 business-day response
- Written terms before commitment
- No payday-style products
Local
Based on Harrodsburg Rd, Lexington
Independent
We work for you, not one lender
Range
$10K to $5M+ programs
Region
Fayette + Bluegrass counties
No upfront fees
Free to explore your funding options with an advisor.
No obligation
Review offers in writing before you commit to anything.
One dedicated advisor
The same person from first call through funding.
Fast decisions
Most inquiries hear back within one business day.
What's available
Funding from $10K to $5M+ — matched to your business.
Pemberton Lenders is an independent funding advisory. We work with a wide network of SBA banks, regional lenders, and specialty funders to place the right program at the right size — from short-term working capital to long-term SBA and commercial real estate financing.
Typical Lexington-Fayette placements range from a $10,000 line of credit for a new storefront to multi-million-dollar SBA 7(a) loans for practice acquisitions and commercial real estate.
Working capital & cash flow
Lines of credit, short-term loans, invoice factoring, MCA
Equipment & asset
Machinery, vehicles, technology, and soft-cost financing
SBA & long-term
SBA 7(a), SBA Express, commercial real estate
Industry-specific
Medical, dental, restaurant, trucking, construction
Why Pemberton Lenders
A local advisor beats a national portal.
Why Lexington-Fayette owners choose to work with us instead of a bank branch or an online lead form.
Local & accessible
Our Lexington office on Harrodsburg Road — meet in person or on a call, your choice.
One brief, many lenders
You tell your story once. We shop multiple lenders on your behalf and bring back real offers.
Advisor, not a salesperson
We're compensated for the fit, not for pushing one product. Trade-offs are always disclosed.
Built for the long haul
We stay available for renewals, refinances, and the next round of growth capital.
Loan programs
Funding options for every stage of the business.
No cookie-cutter offers. We match program, size, and term to what the business actually needs — and disclose the trade-offs.
- 10–25 yr
SBA Loans
Long-term, government-backed capital up to $5M.
$50K – $5MLearn more - 3–24 mo
Working Capital
Cover payroll, inventory, and seasonal gaps.
$10K – $500KLearn more - 2–7 yr
Equipment Financing
Machinery, vehicles, and tools as collateral.
$25K – $2MLearn more 
RevolvingLine of Credit
Draw only what you need, when you need it.
$10K – $250KLearn more
3–24 moShort-Term Loans
Fast capital for near-term opportunities.
$10K – $500KLearn more
30–90 dayInvoice Factoring
Unlock cash from your unpaid receivables.
Up to 90% adv.Learn more
By the numbers
What working with Pemberton actually looks like.
$10K – $5M+
From short-term working capital to SBA & CRE.
As fast as
1–3 days
SBA and larger deals take several weeks to close.
$0
No application fee. No obligation. No credit pull to start.
Local, not local-sounding
Rooted in the Bluegrass. Connected across the country.
From distilleries and horse-country hospitality to downtown storefronts and Fayette County trades — Lexington runs on small businesses. Pemberton Lenders sits on Harrodsburg Road, close enough to shake your hand.
We're advisors, not a single lender. That means we can bring you real offers from a network of SBA banks, regional specialists, and non-bank funders — then help you read the fine print before you sign anything.
- No upfront fees
- One advisor, start to close
- Wide lender network
- 1 business-day response
Industries served
Financing built around how you actually operate.
We work with owners across the sectors that define Lexington's economy.
Medical & Dental
Lexington-Fayette & Bluegrass
Restaurants & Food
Lexington-Fayette & Bluegrass
Retail & Storefronts
Lexington-Fayette & Bluegrass
Construction & Trades
Lexington-Fayette & Bluegrass
Trucking & Logistics
Lexington-Fayette & Bluegrass
Manufacturing & Ag
Lexington-Fayette & Bluegrass
Who qualifies
Self-qualify in about a minute.
These are the general baselines lenders look at first. Meeting them doesn't guarantee approval, and specific programs (SBA, startup, equipment) each carry their own requirements — an advisor will walk you through what fits.
Check my eligibilityTime in business
6+ months
Startup-specific programs available for newer businesses.
Monthly revenue
$10K+
Higher revenue unlocks larger loan sizes and better terms.
Personal credit
600+ typical
Some programs work with lower credit — collateral or revenue can offset.
US-based operation
Required
Focused on Lexington-Fayette and the wider Bluegrass region.
How it works
Four steps. One advisor. Zero surprises.
STEP 01
Share your goal
Tell us about the business and the capital you need. No credit pull required to start the conversation.
STEP 02
Compare options
An advisor reviews programs and lenders in our network that actually fit your situation and timeline.
STEP 03
Underwrite & structure
We prepare your file, negotiate terms across offers, and walk you through paperwork line by line.
STEP 04
Fund & follow up
Funds hit your account. We stay available for renewals, refinances, and the next round of growth.
Common questions
What Lexington owners ask first.
Straight answers on fees, timelines, and what we can (and can't) promise. If you don't see your question here, ask an advisor directly.
Contact an advisorReady when you are
Let's talk about the capital your business actually needs.
Share a few details. An advisor responds within one business day — no credit pull, no obligation.
Monday – Friday, 9:00 AM – 5:00 PM ET
Submitting an inquiry does not guarantee approval or funding. Financing options are subject to lender review.