Loan Programs

MICRO ENTERPRISE LOANS

Insufficient capital is one of the leading causes of small business failure.

Allow us to provide your business with the financial assistance it needs to increase its success moving forward!

Loans from $500 up to $50,000
Fixed Rate (based on risk)
Terms: Up to 6 yr (non-RE) or 10 yr (RE)
Working Capital, Equipment, and/or Real Estate financing
Requires 1st lien position on collateral and personal guaranty of borrower(s)
Minimum 5% of total project cost must be covered by owner's equity

SMALL BUSINESS LOANS

We're here to finance the growth and development of your small business.

Whatever your needs, we’re prepared to rise to the challenge of meeting them!

Loans up to: lesser of 75% of project cost or $250,000
Fixed Rate (based on risk)
Terms available from 5 to 15 years
Working Capital, Equipment, and/or Real Estate financing
1st Lien on collateral and personal guaranty of borrower(s)
Minimum 10% of total project cost must be covered by owner's equity

ADVANCED BUSINESS SOLUTIONS LOANS

We understand that as your business operations grow to be more complex, your financial needs tend to follow suit.

Let us put our guaranteed lender designation from the USDA B & I Loan Guaranty Program to great use in aspiring to meet your company’s needs!

CURRENT ASSET LEVERAGE FINANCING

Set up as working capital lines of credit, this lending solution is offered for the sole purpose of optimizing the cash flow performance of your business.

Give yourself some cushion while navigating the ebb and flow of your cash flow cycle!

SOAR FARM LOANS

This is a specialized loan fund specifically for agriculture and farming projects.

The goal is to finance, support, and educate growers to develop a strong local food system in Southeastern KY.

FREIGHT ENHANCEMENT LOANS

The Kentucky Highlands Freight Enhancement Revolving Loan Fund was established to enhance the competitiveness and efficiency of the transportation industry in Southeastern KY.