SBA 7(a) Loan in Lexington-Fayette.
The SBA's flagship program for general small business financing. Coordinated by an advisor working out of our downtown office at 2525 Harrodsburg Rd, Lexington, KY.
- Amount
- Up to $5,000,000.
- Term
- Up to 10 years working capital, up to 25 years real estate.
- Best for
- General-purpose SBA financing up to $5,000,000.
- Coverage
- Fayette + Bluegrass
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.
The program
What sba 7(a) loan actually is
The SBA 7(a) is the SBA's flagship program and the most flexible way to fund a small business purchase, refinance, or expansion. Lenders originate the loan; the SBA guarantees a portion, which lets Lexington banks approve deals a conventional file would not support.
Who it fits in Lexington-Fayette
- Buyers acquiring an existing Kentucky business
- Owners consolidating short-term debt into a longer, cheaper structure
- Restaurants and retailers financing a buildout plus working capital
- Established operators expanding into a second location
Common uses
- Business acquisitions and partner buyouts
- Real estate combined with working capital in one loan
- Debt refinance to lower monthly payment
- Leasehold improvements and startup costs for a second location
What lenders review
Requirements vary by lender and program. Expect underwriters to focus on some combination of the following:
Advisor-led, not order-taker.
Not every SBA lender treats every deal the same. We match your industry, credit story, and deal size to lenders that actively fund that profile in Kentucky, and coordinate escrow, appraisal, and life-of-loan documentation.
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Related Lexington-Fayette programs
City Hub
Every Pemberton Lenders loan program available to Lexington-Fayette businesses — SBA, working capital, equipment, real estate, and more.
SBA Loans
Long-term, lower-rate funding backed by the Small Business Administration. Advisor-led sba loans guidance for Lexington-Fayette business owners.
Business Line of Credit
Revolving capital you draw from as opportunities and needs arise. Advisor-led business line of credit guidance for Lexington-Fayette business owners.
Working Capital Loans
Cash to cover payroll, inventory, and day-to-day operations. Advisor-led working capital loans guidance for Lexington-Fayette business owners.
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