small business loans in ky

Small business owners can use loans to grow their business. You can use the funds however you wish.

Cover Expenses

Pay for any unexpected expenses that arise.

Invest in your business

Use the loan to grow your business however you wish.


Use the loan to pay your employees.


Keep the cash on hand for future expenses.


Buy new equipment to grow your business.


Use the loan to hire new employees.

We Fund Fast

24-48 Hours

Loans up to

$10 Million

Google Rating

5 Stars

Delancey Street Can Help with small business loans in ky

We're committed to building relationships and helping people all over the USA get access to the RIGHT loan for them. Regardless


We're frequently interviewed by major media organizations.

Easy Application

Our app process is super easy. All it takes is one application, and we handle the rest for you.


Service is key. You can ask for advice on ANYTHING and we'll bend over to help.


Many of our team members are former business owners, and understand your challenges.


We customize each loan for you, and to your unique specs. Everything is customized.


We help virtually any industry, any business, anywhere in the USA. It doesn't matter.


We fund business loans nationwide. It doesn't matter where you are, we can help you.


This is crucial, and critical. We are 100% honest with our clients, and never strive for less.

Hear from people we’ve helped

“Delancey Street funded our e-commerce shop and really gave us the chance to grow our business significantly.”

- Leena, VP of Sales at Waist Karma

There are plenty of small business loan opportunities in Kentucky. However, you need to know how to qualify for them.

If you haven’t applied for small business loans in Ky, the process can be confusing. After all, there are hundreds of lenders with different requirements. How should you even begin the application process?

At DelanceyStreet, our mission is provide customers with information that will help them make the right loan decision. Here’s what you’ll need to know about applying for small business loans in Ky.

You’ll need a business plan.
Developing a business plan shows that you are intentional about growing your small business. Lenders respond well to applicants who have developed a clear plan of action for their small businesses.

Not only does a business plan provide lenders with information about your business strategy, it enables them to see your plan for repaying the money. Owners who follow a business plan are more likely to repay a loan than business owners who don’t implement a clear strategy.

If you don’t have a business plan, all is not lost. You can create one in a few hours. Your business plan should include a marketing strategy, company description, list and description of products (or services) and other relevant information about your business.

Your personal and business credit scores matter.
Lending money to business owners is risky. When lenders review applications, they assess your credit scores to determine if you’ve been a responsible borrower in the past.

If you have a good credit score and repayment history, you won’t be disqualified for small business loans in Ky based on your credit score. However, if you haven’t been responsible with your credit in the past, you’ll have to clean up your credit report before you submit your application.

Your personal credit report is maintained by Equifax, Experian and TransUnion. Take a few moments to check your credit reports and FICO scores. Look for delinquencies, unauthorized charges and errors.

If you see an error or an unauthorized charge, dispute it with the credit bureaus. If you have delinquent debt that you have not repaid, set up a payment plan and pay it in full.

Your business credit report is maintained by Dun & Bradstreet, Experian and Equifax. Take the same actions with your business credit reports.

Learn about the lender’s regulations and requirements.
Depending on the lender, the entire small business loan application process can take up to 90 days. It’s essential that you know the lender’s requirements so you won’t waste their time and yours.

Make a list of the documents that you’ll need. Prepare each document according to the requirements. Typical small business loan documents include:

  • Articles of Incorporation
  • Commercial leases
  • Business and personal bank statements
  • A driver’s license
  • Financial projections
  • A resume
  • Income statement
  • Balance sheets
  • Tax returns (personal and business)

Offer collateral to guarantee the small business loan.
Providing your lender with collateral reduces the risk for the lender. If you default on the loan, the lender has valuable property to sell. This will help them recoup some or all of the loan amount.

Examples of collateral include business equipment, inventory, vehicles or inventory. When you apply for an SBA loan, you’ll be required to provide collateral and a personal guarantee of at least 20 percent of your business.

Collateral requirements vary according the the lender’s guidelines. Some lenders require collateral. Other lenders offer unsecured small business loans in Ky.

Small business loans in Ky are available to business owners who meet the qualifications. Take these steps to improve your chances of getting approved for a small business loan.