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County5th of 107 in Kentucky by approvalsFIPS 21037
SBA loans in Campbell 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 Campbell County, Kentucky, received 81 SBA loan approvals worth $33.4M in FY2021 to FY2025 (74 7(a), 7 504).
That is 46.5 approvals per 1,000 business establishments (1,743 establishments in 2023), above the Kentucky figure of 27.1 and close to the national 41.0.
It ranks 5th of 107 Kentucky counties with approvals. In FY2025 there were 9, down 44% on FY2024.
20 lenders had approvals here; the most active were The Huntington National Bank (25), U.S. Bank, National Association (13) and Alloy Development Co., Inc. (7). The most common industry was restaurants and other eating places.
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 Campbell County
By number of approvals to businesses in the county, FY2021–FY2025; 20 lenders had at least one.
| # | Lender | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | The Huntington National BankColumbus, OH | 25 | $7.9M | 30.9% | |
| 2 | U.S. Bank, National AssociationCincinnati, OH | 13 | $645K | 16.0% | |
| 3 | Alloy Development Co., Inc.Cincinnati, OH · CDC | 7 | $7.0M | 8.6% | |
| 4 | Stock Yards Bank & Trust CompanyLouisville, KY | 6 | $6.8M | 7.4% | |
| 5 | Heritage Bank IncBurlington, KY | 4 | $1.5M | 4.9% | |
| 6 | First Commonwealth BankIndiana, PA | 4 | $1.2M | 4.9% | |
| 7 | PNC Bank, National AssociationWilmington, DE | 4 | $276K | 4.9% | |
| 8 | KeyBank National AssociationCleveland, OH | 2 | — | 2.5% | |
| 9 | Republic Bank & Trust CompanyLouisville, KY | 2 | — | 2.5% | |
| 10 | Fifth Third BankCincinnati, OH | 2 | — | 2.5% | |
| 11 | First Financial BankCincinnati, OH | 2 | — | 2.5% | |
| 12 | WesBanco Bank, Inc.Wheeling, WV | 2 | — | 2.5% | |
| 13 | First Merchants BankIndianapolis, IN | 1 | — | 1.2% | |
| 14 | Eclipse Bank IncLouisville, KY | 1 | — | 1.2% | |
| 15 | Grasshopper Bank National AssociationNew York, NY | 1 | — | 1.2% |
Industries
| # | Industry group (NAICS 4-digit) | Approvals | Share | |
|---|---|---|---|---|
| 1 | Restaurants and Other Eating PlacesNAICS 7225 | 13 | 16.0% | |
| 2 | Residential Building ConstructionNAICS 2361 | 6 | 7.4% | |
| 3 | Offices of Other Health PractitionersNAICS 6213 | 4 | 4.9% | |
| 4 | Personal Care ServicesNAICS 8121 | 4 | 4.9% | |
| 5 | Drinking Places (Alcoholic Beverages)NAICS 7224 | 3 | 3.7% | |
| 6 | Automotive Repair and MaintenanceNAICS 8111 | 3 | 3.7% | |
| 7 | Other Specialty Trade ContractorsNAICS 2389 | 3 | 3.7% | |
| 8 | Building Equipment ContractorsNAICS 2382 | 2 | 2.5% | |
| 9 | Traveler AccommodationNAICS 7211 | 2 | 2.5% | |
| 10 | Grocery and Related Product Merchant WholesalersNAICS 4244 | 2 | 2.5% |
Sectors
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Accommodation and Food Services | 19 | 23.5% | |
| 2 | Construction | 15 | 18.5% | |
| 3 | Other Services (except Public Administration) | 9 | 11.1% | |
| 4 | Retail Trade | 8 | 9.9% | |
| 5 | Manufacturing | 5 | 6.2% | |
| 6 | Wholesale Trade | 4 | 4.9% | |
| 7 | Administrative and Support and Waste Management and Remediation Services | 4 | 4.9% | |
| 8 | Health Care and Social Assistance | 4 | 4.9% |
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* | 7 | $6.5M | $190K | 0 | — | 7 | 53 |
| FY2025 | 8 | $5.8M | $93K | 1 | — | 9 | 61 |
| FY2024 | 14 | $1.8M | $59K | 2 | — | 16 | 74 |
| FY2023 | 21 | $7.3M | $280K | 0 | — | 21 | 285 |
| FY2022 | 12 | $3.5M | $149K | 2 | — | 14 | 79 |
| FY2021 | 19 | $8.0M | $130K | 2 | — | 21 | 138 |
| FY2020 | 9 | $1.5M | $35K | 0 | — | 9 | 116 |
| FY2019 | 16 | $6.3M | $53K | 1 | — | 17 | 174 |
| FY2018 | 24 | $5.1M | $48K | 3 | $777K | 27 | 121 |
| FY2017 | 12 | $2.1M | $100K | 2 | — | 14 | 124 |
| FY2016 | 19 | $3.9M | $140K | 2 | — | 21 | 154 |
In FY2016–FY2020, the five fiscal years before the current window, the county had 88 approvals.
Against Kentucky and the country
| FY2021–FY2025 | Campbell County | Kentucky | United States |
|---|---|---|---|
| Approvals | 81 | 2,558 | 342,825 |
| Approvals per 1,000 establishments | 46.5 | 27.1 | 41.0 |
| Median 7(a) approval | $135K | $150K | $190K |
| Median 504 approval | $413K | $495K | $657K |
| Average approval | $412K | $494K | $573K |
| 504 share of approvals | 8.6% | 5.7% | 11.0% |
| Jobs supported per approval, as reported | 7.9 | 11.0 | 10.5 |
| Share of state approvals | 3.2% | 100.0% | — |
Approval sizes
- $50,000 or less34.6%28
- $50,001 to $150,00017.3%14
- $150,001 to $350,00019.8%16
- $350,001 to $1 million17.3%14
- $1 million to $2 million8.6%7
- Over $2 million2.5%2
Age of the businesses
- Existing, more than 2 years old44.4%36
- New business, 2 years or less16.0%13
- Startup, loan funds will open the business28.4%23
- Change of ownership11.1%9
Questions and answers
Which lenders make the most SBA loans in Campbell County?
By approvals in FY2021 to FY2025: The Huntington National Bank (25), U.S. Bank, National Association (13), Alloy Development Co., Inc. (7), Stock Yards Bank & Trust Company (6), Heritage Bank Inc (4). Volume says how active a lender is, nothing about terms or service.
How large are typical SBA loans in Campbell County?
The median 7(a) approval was $135K and the median 504 approval $413K; the Kentucky 7(a) median was $150K.
Which industries get the most SBA loans in Campbell County?
Restaurants and Other Eating Places (13); Residential Building Construction (6); Offices of Other Health Practitioners (4); Personal Care Services (4); Drinking Places (Alcoholic Beverages) (3).
Is SBA lending in Campbell County rising?
Approvals in the three latest complete fiscal years total 46, against 44 in the three before: broadly level (+5%).
How does Campbell County compare with the rest of Kentucky?
46.5 approvals per 1,000 establishments against 27.1 statewide, and 81 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