Commercial Mortgage in Kentucky
Browse 18 lenders offering commercial mortgage in Kentucky. Compare rates, requirements, and loan programs — then connect directly.
Commercial Mortgage Lenders in Kentucky
18 lenders offering commercial mortgage to borrowers in Kentucky.
Live Oak Banking Company
WILMINGTON, NC
One of the nation's top SBA 7(a) lenders, specializing in lending to small businesses across healthcare, veterinary, beverage, self-storage, and other industries. Offers SBA loans, USDA loans, conventional business loans, and commercial real estate financing.
The Huntington National Bank
COLUMBUS, OH
Major regional bank and consistently one of the top SBA lenders in the country by number of loans. Offers SBA 7(a) and 504 loans alongside conventional business lending, commercial real estate, and treasury management services.
Newtek Bank, National Association
Miami, FL
Technology-driven SBA preferred lender providing 7(a) loans to small and medium-sized businesses nationwide. Part of Newtek Business Services Corp, offering integrated business solutions including lending, payments, and technology services.
U.S. Bank, National Association
Cincinnati, OH
Fifth-largest commercial bank in the U.S. and a top SBA preferred lender. Offers SBA 7(a) and 504 loans, conventional commercial lending, commercial real estate, and a full suite of business banking products.
Celtic Bank Corporation
SALT LAKE CITY, UT
Industrial bank and top SBA preferred lender headquartered in Salt Lake City. Specializes in SBA 7(a) lending for business acquisitions, partner buyouts, commercial real estate, and working capital. Also offers USDA business loans.
Readycap Lending, LLC
BERKELEY HEIGHTS, NJ
Non-bank SBA preferred lender offering SBA 7(a) and 504 loans nationwide. Specializes in commercial real estate, business acquisition, and expansion financing for small businesses. Known for fast closings and flexible underwriting.
Wells Fargo Bank National Association
Sioux Falls, SD
One of the largest banks in the U.S. and a major SBA preferred lender. Offers the full range of SBA programs including 7(a) and 504 loans, alongside conventional commercial lending, commercial real estate, and equipment financing.
United Midwest Savings Bank National Association
DE GRAFF, OH
Community bank and SBA preferred lender based in Ohio. Specializes in SBA 7(a) loans for small businesses, including business acquisitions, commercial real estate, and working capital financing.
Fifth Third Bank
CINCINNATI, OH
Major regional bank and SBA preferred lender with operations across the Midwest and Southeast. Offers SBA 7(a) and 504 loans, conventional commercial lending, equipment financing, and commercial real estate loans.
Brookline Bank, a Division of Beacon Bank and Trust
Brookline, MA
Community bank in the Boston metro area and SBA preferred lender. Offers SBA 7(a) loans for business expansion, equipment, and commercial real estate, along with conventional commercial lending and treasury services.
Cadence Bank
TUPELO, MS
Regional bank serving the Southeast and Texas, and an active SBA preferred lender. Offers SBA 7(a) and 504 loans, commercial real estate lending, equipment financing, and full-service business banking.
JPMorgan Chase Bank, National Association
Columbus, OH
The largest bank in the U.S. and an SBA preferred lender. Offers SBA 7(a) loans, conventional business lending, commercial real estate, lines of credit, and comprehensive financial services for businesses of all sizes.
Citizens Bank
ELIZABETHTON, TN
Regional bank based in Tennessee and an SBA preferred lender. Provides SBA 7(a) loans, conventional commercial lending, and business banking services to small and medium-sized businesses in the Southeast.
Old National Bank
EVANSVILLE, IN
Midwest-based regional bank and SBA preferred lender. Offers SBA 7(a) loans, conventional commercial lending, commercial real estate financing, treasury management, and wealth management for small and mid-sized businesses.
Lendistry SBLC, LLC
Los Angeles, CA
CDFI and SBA community advantage lender focused on providing responsible lending to small businesses in underserved communities. Offers SBA 7(a) loans, microloans, and commercial real estate financing with a focus on minority and women-owned businesses.
Milestone Bank
Salt Lake City, UT
Utah-based community bank and SBA preferred lender. Specializes in SBA 7(a) loans for commercial real estate, business acquisitions, and expansion financing in the Mountain West region.
Grasshopper Bank National Association
New York, NY
New York-based digital business bank offering SBA 7(a) and 504 loans, commercial lending, and innovative banking solutions. Combines fintech convenience with traditional banking for small business owners and startups.
PNC Bank, National Association
WILMINGTON, DE
One of the largest U.S. banks, offering SBA 7(a) and 504 loans, commercial real estate, equipment financing, lines of credit, and comprehensive treasury management. Full-service business banking across the eastern United States.
About Commercial Mortgage in Kentucky
Conventional commercial mortgages provide long-term financing for stabilized, income-producing commercial properties. Offered by banks, credit unions, and institutional lenders with competitive rates for qualified borrowers and properties. In Kentucky, 18 lenders currently offer Commercial Mortgage financing with loan amounts from $250K to $50M and rates typically ranging from 6% - 8%.
Kentucky Market Overview
Kentucky benefits from Louisville's role as a major logistics hub centered on UPS's Worldport facility and from significant automotive manufacturing investment. The bourbon industry's growth has created unique commercial and industrial real estate demand.
Kentucky's judicial foreclosure process typically takes 6 to 12 months and includes a right of redemption period, which lenders should factor into workout timelines. The state's bourbon boom has created specialized CRE demand for rickhouse storage facilities and distillery tourism properties, representing a unique asset class. Kentucky's Tax Increment Financing and industrial revenue bond programs, along with its relatively low construction costs, have made the Louisville and Lexington metros increasingly competitive for logistics and manufacturing facilities.
Who Should Consider Commercial Mortgage?
- Stabilized income properties
- Long-term holds
- Refinancing
- Experienced investors
Key Requirements
- Stabilized property with income history
- DSCR ≥ 1.20-1.25
- LTV ≤ 75-80%
- Borrower experience and liquidity
Pros and Cons
Advantages
- ✓Lower rates than bridge/hard money
- ✓Longer terms
- ✓Predictable payments
- ✓Build equity over time
Considerations
- •Stricter underwriting
- •Longer closing timeline
- •Prepayment penalties
- •Recourse may be required
Commercial Mortgage FAQ
What's the difference between a commercial mortgage and a residential mortgage? ▼
Commercial Mortgage by City in Kentucky
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