The Kentucky Cabinet for Economic Development has been approved by the United States Department
of Treasury to receive the Commonwealth of Kentucky’s allocation of federal funding to implement
the Kentucky Small Business Credit Initiative (KSBCI).
The initiative includes three distinct credit enhancement programs designed to generate jobs and
increase the availability of credit to small businesses by reducing the risk participating lenders,
credit unions, and community development financial institutions assume. KSBCI will leverage funding
from these private lenders to help finance creditworthy small businesses that would typically fall
just outside a lender’s normal underwriting standards.
The three programs that compose KSBCI are:
Any loan to be enrolled under these three credit enhancement programs by a
should support financing for small businesses in Kentucky. The terms and conditions of the loans will be determined by
the lenders and borrowers. Loans may be in the form of lines of credit, in which case the amount of each loan will be
calculated as the maximum amount that can be drawn down against that line of credit. In some cases, refinancing may
If you are a small business owner seeking financing, please contact a
participating lender to start the process.
If you are a qualified small business lender and would like to participate in this program, please visit the Lender's Resource Page.
For further assistance, please contact us at 1-800-626-2930 or via email.
For assistance in translating the KSBCI pages to another language, please visit these suggested sites:
Para la ayuda en traducir las páginas de KSBCI a otra lengua, visite por favor estos sitios sugeridos: