SBA Loans in Georgetown.
Pemberton Lenders helps Georgetown business owners compare sba loans options through one advisor — coordinated from our downtown office at 2525 Harrodsburg Rd, Lexington, KY.
- Amount
- $50,000 to $5,000,000 (7a) / up to $5,500,000 (504).
- Term
- Up to 10 years working capital, up to 25 years real estate.
- County
- Scott County
- Coverage
- About 15 miles / 20 minutes from our Lexington office
Locally rooted
Based on Harrodsburg Road in Lexington.
Advisor-led
Real people who guide you through every option.
Wide lender network
Access to bank, SBA, and alternative funders.
Transparent process
Clear terms — no payday-style shortcuts.
Local context
SBA Loans for Georgetown owners
Georgetown sits about 15 miles north of Lexington along I-75, anchored by the Toyota Motor Manufacturing Kentucky plant and a strong supplier ecosystem. Beyond automotive, the local economy includes logistics along I-75, hospitality serving the plant and I-75 traffic, downtown retail on Main Street, and Georgetown College-adjacent services.
Georgetown owners use SBA loans for the deals that most benefit from long amortization — buying a supplier facility, acquiring an existing Scott County business, or financing a hotel purchase or major PIP.
The program
What sba loans actually is
SBA loans are bank-issued loans partially guaranteed by the U.S. Small Business Administration. The guarantee lets Lexington banks stretch terms and lower payments for deals they might otherwise decline. The two most-used programs are the 7(a) for working capital and acquisitions, and the 504 for owner-occupied real estate and heavy equipment.
Best for: Owners who want long amortizations and the lowest available payment.
Who it fits in Georgetown
- Established Fayette County businesses with 2+ years of tax returns
- Owners buying a building in downtown Lexington or the Hamburg / Beaumont corridors
- Partners funding a buyout of a retiring co-owner
- Franchisees expanding a second unit in the Bluegrass
Common uses in Georgetown
- Buying a facility for a Georgetown auto supplier along I-75
- Acquiring an existing Scott County business or franchise
- Financing a hotel purchase or major PIP with SBA 7(a) or 504
What lenders review
Requirements vary by lender and program. For sba loans files in Scott County, expect underwriters to focus on some combination of the following:
One advisor from first call to closing.
SBA files are document-heavy and lender preferences vary widely. We package your file once, walk it to the right SBA-preferred lender for your deal size and industry, and coordinate with your CPA so the process does not stall.
Georgetown's tight lender-relevant economy — Toyota suppliers, logistics, hospitality — means we match your file to lenders that actively fund that specific niche, not just generalist banks.
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Accounts Receivable Financing in Georgetown
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