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County14th of 107 in Kentucky by approvalsFIPS 21113
SBA loans in Jessamine 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.
SBA approved 41 loans to businesses in Jessamine County, Kentucky, in FY2021 to FY2025, worth $21.6M: 33 under 7(a) and 8 under 504.
That is 30.3 approvals per 1,000 business establishments (1,353 establishments in 2023), close to the Kentucky figure of 27.1 and below the national 41.0.
It ranks 14th of 107 Kentucky counties with approvals. In FY2025 there were 6.
17 lenders had approvals here; the most active were Republic Bank & Trust Company (9), Community Trust Bank, Inc. (6) and Community Ventures Corporation (4). The most common industry was general freight trucking.
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 Jessamine County
By number of approvals to businesses in the county, FY2021–FY2025; 17 lenders had at least one.
| # | Lender | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Republic Bank & Trust CompanyLouisville, KY | 9 | $3.9M | 22.0% | |
| 2 | Community Trust Bank, Inc.Pikeville, KY | 6 | $1.6M | 14.6% | |
| 3 | Community Ventures CorporationLexington, KY · CDC | 4 | $3.2M | 9.8% | |
| 4 | Capital Access Corporation - KentuckyLouisville, KY · CDC | 3 | $3.8M | 7.3% | |
| 5 | U.S. Bank, National AssociationCincinnati, OH | 2 | — | 4.9% | |
| 6 | Wells Fargo Bank National AssociationSioux Falls, SD | 2 | — | 4.9% | |
| 7 | Readycap Lending, LLCBerkeley Heights, NJ | 2 | — | 4.9% | |
| 8 | The Huntington National BankColumbus, OH | 2 | — | 4.9% | |
| 9 | JPMorgan Chase Bank, National AssociationColumbus, OH | 2 | — | 4.9% | |
| 10 | PNC Bank, National AssociationWilmington, DE | 2 | — | 4.9% | |
| 11 | Alloy Development Co., Inc.Cincinnati, OH · CDC | 1 | — | 2.4% | |
| 12 | Stock Yards Bank & Trust CompanyLouisville, KY | 1 | — | 2.4% | |
| 13 | Live Oak Banking CompanyWilmington, NC | 1 | — | 2.4% | |
| 14 | Celtic Bank CorporationSalt Lake City, UT | 1 | — | 2.4% | |
| 15 | Shoreham BankWarwick, RI | 1 | — | 2.4% |
Industries
| # | Industry group (NAICS 4-digit) | Approvals | Share | |
|---|---|---|---|---|
| 1 | General Freight TruckingNAICS 4841 | 7 | 17.1% | |
| 2 | Building Equipment ContractorsNAICS 2382 | 5 | 12.2% | |
| 3 | Other Personal ServicesNAICS 8129 | 4 | 9.8% | |
| 4 | Traveler AccommodationNAICS 7211 | 3 | 7.3% | |
| 5 | Commercial and Industrial Machinery and Equipment Rental and LeasingNAICS 5324 | 2 | 4.9% | |
| 6 | Household and Institutional Furniture and Kitchen Cabinet ManufacturingNAICS 3371 | 2 | 4.9% | |
| 7 | Investigation and Security ServicesNAICS 5616 | 2 | 4.9% | |
| 8 | Other Professional, Scientific, and Technical ServicesNAICS 5419 | 1 | 2.4% | |
| 9 | Restaurants and Other Eating PlacesNAICS 7225 | 1 | 2.4% | |
| 10 | Other Amusement and Recreation IndustriesNAICS 7139 | 1 | 2.4% |
Sectors
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Transportation and Warehousing | 8 | 19.5% | |
| 2 | Construction | 7 | 17.1% | |
| 3 | Other Services (except Public Administration) | 6 | 14.6% | |
| 4 | Accommodation and Food Services | 4 | 9.8% | |
| 5 | Manufacturing | 4 | 9.8% | |
| 6 | Administrative and Support and Waste Management and Remediation Services | 4 | 9.8% | |
| 7 | Real Estate and Rental and Leasing | 2 | 4.9% | |
| 8 | Retail Trade | 2 | 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* | 6 | $2.8M | $160K | 0 | — | 6 | 54 |
| FY2025 | 4 | $2.7M | $284K | 2 | — | 6 | 75 |
| FY2024 | 7 | $1.3M | $57K | 0 | — | 7 | 42 |
| FY2023 | 9 | $3.5M | $50K | 3 | $1.5M | 12 | 78 |
| FY2022 | 4 | $1.5M | $446K | 0 | — | 4 | 30 |
| FY2021 | 9 | $2.7M | $104K | 3 | $3.9M | 12 | 106 |
| FY2020 | 5 | $1.5M | $350K | 3 | $1.3M | 8 | 42 |
| FY2019 | 4 | $915K | $188K | 1 | — | 5 | 24 |
| FY2018 | 6 | $529K | $50K | 0 | — | 6 | 54 |
| FY2017 | 6 | $2.1M | $262K | 2 | — | 8 | 73 |
| FY2016 | 2 | — | — | 2 | — | 4 | 23 |
In FY2016–FY2020, the five fiscal years before the current window, the county had 31 approvals.
Against Kentucky and the country
| FY2021–FY2025 | Jessamine County | Kentucky | United States |
|---|---|---|---|
| Approvals | 41 | 2,558 | 342,825 |
| Approvals per 1,000 establishments | 30.3 | 27.1 | 41.0 |
| Median 7(a) approval | $150K | $150K | $190K |
| Median 504 approval | $743K | $495K | $657K |
| Average approval | $527K | $494K | $573K |
| 504 share of approvals | 19.5% | 5.7% | 11.0% |
| Jobs supported per approval, as reported | 8.1 | 11.0 | 10.5 |
| Share of state approvals | 1.6% | 100.0% | — |
Approval sizes
- $50,000 or less24.4%10
- $50,001 to $150,00022.0%9
- $150,001 to $350,00012.2%5
- $350,001 to $1 million29.3%12
- $1 million to $2 million4.9%2
- Over $2 million7.3%3
Age of the businesses
- Existing, more than 2 years old46.3%19
- New business, 2 years or less17.1%7
- Startup, loan funds will open the business19.5%8
- Change of ownership17.1%7
Questions and answers
Which lenders make the most SBA loans in Jessamine County?
By approvals in FY2021 to FY2025: Republic Bank & Trust Company (9), Community Trust Bank, Inc. (6), Community Ventures Corporation (4), Capital Access Corporation - Kentucky (3), U.S. Bank, National Association (2). Volume says how active a lender is, nothing about terms or service.
How large are typical SBA loans in Jessamine County?
The median 7(a) approval was $150K and the median 504 approval $743K; the Kentucky 7(a) median was $150K.
Which industries get the most SBA loans in Jessamine County?
General Freight Trucking (7); Building Equipment Contractors (5); Other Personal Services (4); Traveler Accommodation (3); Commercial and Industrial Machinery and Equipment Rental and Leasing (2).
Is SBA lending in Jessamine County rising?
Approvals in the three latest complete fiscal years total 25, against 24 in the three before: broadly level (+4%).
How does Jessamine County compare with the rest of Kentucky?
30.3 approvals per 1,000 establishments against 27.1 statewide, and 41 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