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County16th of 107 in Kentucky by approvalsFIPS 21029
SBA loans in Bullitt County, Kentucky
7(a) and 504 approvals to businesses located in the county, set against the number of businesses there and against the state.
SBA approvals by fiscal year. The federal fiscal year runs 1 October to 30 September, so FY2025 is 1 October 2024 to 30 September 2025. *FY2026 is open: approvals to 30 Jun 2026 only.
Businesses in Bullitt County, Kentucky, received 38 SBA loan approvals worth $31.6M in FY2021 to FY2025 (32 7(a), 6 504).
That is 29.1 approvals per 1,000 business establishments (1,308 establishments in 2023), close to the Kentucky figure of 27.1 and below the national 41.0.
It ranks 16th of 107 Kentucky counties with approvals. In FY2025 there were 9.
19 lenders had approvals here; the most active were The Huntington National Bank (7), PNC Bank, National Association (4) and Newtek Bank, National Association (3). The most common industry was automotive repair and maintenance.
Loan status is as recorded by SBA at the data date; charge-off rates are computed on loans approved at least five fiscal years ago. Jobs supported are self-reported estimates from the SBA loan application, which SBA does not review, audit or validate. Data through 30 Jun 2026.
Lenders most active in Bullitt County
By number of approvals to businesses in the county, FY2021–FY2025; 19 lenders had at least one.
| # | Lender | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | The Huntington National BankColumbus, OH | 7 | $3.1M | 18.4% | |
| 2 | PNC Bank, National AssociationWilmington, DE | 4 | $900K | 10.5% | |
| 3 | Newtek Bank, National AssociationMiami, FL | 3 | $1.5M | 7.9% | |
| 4 | Stock Yards Bank & Trust CompanyLouisville, KY | 3 | $897K | 7.9% | |
| 5 | Premier Capital CorporationIndianapolis, IN · CDC | 3 | $625K | 7.9% | |
| 6 | Alloy Development Co., Inc.Cincinnati, OH · CDC | 2 | — | 5.3% | |
| 7 | United Midwest Savings Bank National AssociationDe Graff, OH | 2 | — | 5.3% | |
| 8 | U.S. Bank, National AssociationCincinnati, OH | 2 | — | 5.3% | |
| 9 | BayFirst National BankSaint Petersburg, FL | 2 | — | 5.3% | |
| 10 | Pathward National AssociationSioux Falls, SD | 1 | — | 2.6% | |
| 11 | TowneBankPortsmouth, VA | 1 | — | 2.6% | |
| 12 | GBankLas Vegas, NV | 1 | — | 2.6% | |
| 13 | Capital Access Corporation - KentuckyLouisville, KY · CDC | 1 | — | 2.6% | |
| 14 | Live Oak Banking CompanyWilmington, NC | 1 | — | 2.6% | |
| 15 | Fifth Third BankCincinnati, OH | 1 | — | 2.6% |
Industries
| # | Industry group (NAICS 4-digit) | Approvals | Share | |
|---|---|---|---|---|
| 1 | Automotive Repair and MaintenanceNAICS 8111 | 5 | 13.2% | |
| 2 | General Freight TruckingNAICS 4841 | 4 | 10.5% | |
| 3 | Automobile DealersNAICS 4411 | 3 | 7.9% | |
| 4 | Traveler AccommodationNAICS 7211 | 2 | 5.3% | |
| 5 | Building Equipment ContractorsNAICS 2382 | 2 | 5.3% | |
| 6 | Child Day Care ServicesNAICS 6244 | 2 | 5.3% | |
| 7 | Residential Building ConstructionNAICS 2361 | 2 | 5.3% | |
| 8 | Foundation, Structure, and Building Exterior ContractorsNAICS 2381 | 2 | 5.3% | |
| 9 | Agencies, Brokerages, and Other Insurance Related ActivitiesNAICS 5242 | 2 | 5.3% | |
| 10 | Utility System ConstructionNAICS 2371 | 1 | 2.6% |
Sectors
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Construction | 8 | 21.1% | |
| 2 | Other Services (except Public Administration) | 6 | 15.8% | |
| 3 | Retail Trade | 6 | 15.8% | |
| 4 | Health Care and Social Assistance | 5 | 13.2% | |
| 5 | Transportation and Warehousing | 4 | 10.5% | |
| 6 | Wholesale Trade | 3 | 7.9% | |
| 7 | Accommodation and Food Services | 2 | 5.3% | |
| 8 | Finance and Insurance | 2 | 5.3% |
Approvals by fiscal year
| Fiscal year | 7(a) approvals | 7(a) dollars | Median 7(a) | 504 approvals | 504 dollars | All approvals | Jobs supported, as reported |
|---|---|---|---|---|---|---|---|
| FY2026* | 8 | $1.5M | $76K | 1 | — | 9 | 32 |
| FY2025 | 8 | $6.7M | $225K | 1 | — | 9 | 49 |
| FY2024 | 5 | $1.6M | $127K | 1 | — | 6 | 27 |
| FY2023 | 4 | $3.4M | $545K | 1 | — | 5 | 29 |
| FY2022 | 3 | $2.8M | $468K | 0 | — | 3 | 8 |
| FY2021 | 12 | $8.0M | $125K | 3 | $5.4M | 15 | 91 |
| FY2020 | 2 | — | — | 0 | — | 2 | 87 |
| FY2019 | 6 | $597K | $34K | 0 | — | 6 | 26 |
| FY2018 | 9 | $2.6M | $100K | 1 | — | 10 | 195 |
| FY2017 | 2 | — | — | 2 | — | 4 | 11 |
| FY2016 | 15 | $7.9M | $150K | 0 | — | 15 | 299 |
In FY2016–FY2020, the five fiscal years before the current window, the county had 37 approvals.
Against Kentucky and the country
| FY2021–FY2025 | Bullitt County | Kentucky | United States |
|---|---|---|---|
| Approvals | 38 | 2,558 | 342,825 |
| Approvals per 1,000 establishments | 29.1 | 27.1 | 41.0 |
| Median 7(a) approval | $183K | $150K | $190K |
| Median 504 approval | $697K | $495K | $657K |
| Average approval | $832K | $494K | $573K |
| 504 share of approvals | 15.8% | 5.7% | 11.0% |
| Jobs supported per approval, as reported | 5.4 | 11.0 | 10.5 |
| Share of state approvals | 1.5% | 100.0% | — |
Approval sizes
- $50,000 or less13.2%5
- $50,001 to $150,00026.3%10
- $150,001 to $350,00023.7%9
- $350,001 to $1 million15.8%6
- $1 million to $2 million2.6%1
- Over $2 million18.4%7
Age of the businesses
- Existing, more than 2 years old63.2%24
- New business, 2 years or less10.5%4
- Startup, loan funds will open the business15.8%6
- Change of ownership10.5%4
Questions and answers
Which lenders make the most SBA loans in Bullitt County?
By approvals in FY2021 to FY2025: The Huntington National Bank (7), PNC Bank, National Association (4), Newtek Bank, National Association (3), Stock Yards Bank & Trust Company (3), Premier Capital Corporation (3). Volume says how active a lender is, nothing about terms or service.
How large are typical SBA loans in Bullitt County?
The median 7(a) approval was $183K and the median 504 approval $697K; the Kentucky 7(a) median was $150K.
Which industries get the most SBA loans in Bullitt County?
Automotive Repair and Maintenance (5); General Freight Trucking (4); Automobile Dealers (3); Traveler Accommodation (2); Building Equipment Contractors (2).
Is SBA lending in Bullitt County rising?
Approvals in the three latest complete fiscal years total 20, against 20 in the three before: broadly level (0%).
How does Bullitt County compare with the rest of Kentucky?
29.1 approvals per 1,000 establishments against 27.1 statewide, and 38 of the state's 2,558 approvals.
About these figures
Figures are totals of the Small Business Administration's 7(a) and 504 FOIA loan files, data through 30 Jun 2026. SBA updates the files quarterly. Counts are loan approvals, including approvals later cancelled; the five-year window is FY2021–FY2025, the five latest complete fiscal years. Charge-off rates use only loans approved in FY2010–FY2021, at least five fiscal years ago, and count disbursed loans SBA records as charged off. Loans are listed under the lender they are assigned to today. Establishment counts are from the Census Bureau's County Business Patterns 2023, which leaves out most farms, government and businesses without employees. Dollar figures behind fewer than three approvals are not shown, and no borrower is named anywhere on this site.Methodology · Report an error