Lexington-Fayette · Kentucky
Small business loans for
Fayette County.
Every funding program available to Lexington-Fayette owners — SBA, working capital, equipment, lines of credit, and industry-specific financing — placed by an advisor headquartered on Harrodsburg Road.
- 38 program pages in Lexington-Fayette
- 6 surrounding Bluegrass service areas
- No upfront fees to explore options
Programs
18 money · 20 industry
Office
2525 Harrodsburg Rd, Lexington
Range
$10K to $5M+ placements
Region
Fayette + 6 Bluegrass counties
Funding overview
Capital sized to Fayette County businesses.
Fayette County is home to more than 15,000 small businesses — from downtown storefronts and restaurants on Short Street to trades operating out of the industrial corridor, professional practices along Nicholasville Road, and farms and equine operations across the countryside.
Pemberton Lenders helps those owners compare SBA, bank, and alternative capital options and secure funding that actually fits the business — not sold from a script.
Advisor-led
One dedicated person from first call through funding
Written terms first
Compare offers on paper before you commit
1-day response
Most inquiries hear back within a business day
Bluegrass roots
Downtown Lexington office, regional coverage
Loan programs
Every funding program, one place.
The 18 money-side programs available to Lexington-Fayette owners.
SBA Loans
Long-term, lower-rate funding backed by the Small Business Administration.
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SBA 7(a) Loan
The SBA's flagship program for general small business financing.
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Business Line of Credit
Revolving capital you draw from as opportunities and needs arise.
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Working Capital Loans
Cash to cover payroll, inventory, and day-to-day operations.
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Small Business Loans
Financing tailored to Main Street businesses across the Bluegrass.
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Short Term Business Loans
Fast capital for short horizons — typically 3 to 24 months.
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Merchant Cash Advance
Purchase of future receivables — funded fast, repaid from card sales.
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Unsecured Business Loans
Financing without pledging specific business collateral.
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Startup Business Loans
Launch capital for founders bringing a new business to life.
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Business Acquisition Loans
Financing to buy an existing business or partner buyout.
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Accounts Receivable Financing
Borrow against outstanding invoices to smooth cash flow.
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Invoice Factoring
Sell unpaid invoices to unlock working capital today.
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Revenue Based Financing
Capital repaid as a set percentage of monthly revenue.
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Same Day Business Loans
Approval and funding in as little as one business day.
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Business Lenders Near Me
Local advisors matching Lexington owners with the right lender.
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Business Loan Broker
Independent brokerage across a wide lender network.
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Commercial Loan Broker
Brokerage for commercial real estate and larger transactions.
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Equipment Financing
Fund machinery, tools, and vehicles with the equipment as collateral.
View programFinancing by industry
Programs tuned to how your industry actually runs.
Twenty vertical-specific loan programs for Lexington-Fayette operators.
Dental Practice Loans
Financing for dental startups, acquisitions, and equipment.
Medical Practice Loans
Capital for physician-owned practices and clinics.
Restaurant Loans
Funding for restaurant buildouts, expansions, and working capital.
Trucking Business Loans
Fleet financing and operating capital for logistics operators.
Commercial Construction Loan
Ground-up and improvement financing for commercial builds.
Hotel Loans
Acquisition, refinance, and PIP funding for hospitality operators.
Salon Business Loans
Capital for salons, spas, and beauty studios.
Retail Business Loans
Financing for storefronts across downtown Lexington and the Bluegrass.
Auto Repair Shop Financing
Equipment, bay expansion, and working capital for repair shops.
Ecommerce Business Funding
Inventory and growth capital for online sellers.
Food Truck Financing
Truck purchase and startup capital for mobile food operators.
Loan For Gym Business
Financing for gyms, studios, and fitness franchises.
Manufacturing Equipment Financing
Equipment loans and lines for Kentucky manufacturers.
Agriculture Equipment Financing
Financing for tractors, implements, and ag equipment.
Landscaping Equipment Financing
Capital for mowers, trucks, and landscape equipment.
Farm Credit Financing
Operating lines and real estate loans for Bluegrass farms.
SBA Loan For Daycare
SBA-backed financing for childcare and daycare operators.
SBA Loan For Franchise
SBA funding for franchisees launching or expanding a unit.
SBA Express Loan For Veterans
SBA Express funding for veteran-owned small businesses.
Women Owned Business Funding
Capital access for women-owned Kentucky businesses.
Service areas
The Bluegrass region, from one Lexington desk.
We work with owners across the six surrounding communities.
Programs by area
48 tailored pages across the region.
Explore program pages written for each surrounding community.
Paris, KY · Bourbon County
Winchester, KY · Clark County
Nicholasville, KY · Jessamine County
- Business Line of Credit in Nicholasville
- Working Capital Loans in Nicholasville
- Invoice Factoring in Nicholasville
- Accounts Receivable Financing in Nicholasville
- Unsecured Business Loans in Nicholasville
- Short Term Business Loans in Nicholasville
- Same Day Business Loans in Nicholasville
- SBA Loans in Nicholasville
Wilmore, KY · Jessamine County
Georgetown, KY · Scott County
Versailles, KY · Woodford County
Common questions
Answers before you apply.
What Lexington-Fayette owners ask us first.
Talk to a Lexington advisor
Share the goal. We'll bring the options.
No credit pull to start. One conversation to understand fit, then written offers to compare.