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  • 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
  • Learn More and Apply
  • 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
  • Learn More and Apply
  • 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!
  • For projects up to $10 million
  • Fixed rate (determined by risk)
  • Typically longer terms are offered
  • Working Capital, Equipment, and/or Real Estate financing
  • Learn More and Apply
  • 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!
  • LOCs up to $4 million
  • Variable Rate: WSJ Prime + negotiated margin
  • Typically 1 year term; renewals possible
  • Secured by A/R, inventory, and/or other assets
  • Learn More and Apply
  • 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.
  • Loans up to $7,500
  • Fixed Rate: 1%
  • 4-year Term
  • Interest only payments available for 1st year
  • Learn More and Apply
  • 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.
  • Loans up to $250,000
  • Fixed Rate (pending credit analysis)
  • Terms are negotiable
  • Equipment and/or Working Capital
  • Learn More and Apply
Kentucky Highlands Investment Corporation prohibits discrimination on the basis of race, color, origin, sex, religion, age, disability, political beliefs, sexual orientation or marital or family status.
In accordance with federal laws and U.S. Department of the Treasury policy, this organization is prohibited from discriminating on the basis of race, color, national origin, sex, age, or disability. To file a complaint of discrimination, write to: U.S. Department of the Treasury, Director, Office of Civil Rights and Equal Employment Opportunity 1500 Pennsylvania Avenue, N.W., Washington, DC 20220; call (202) 622-1160; or send an e-mail to: crcomplaints@treasury.gov.