Kentuckiana’s #1 Small Business Lender

As the leading SBA 504 lender in Kentuckiana, we are happy to provide you with valuable information that will assist you in obtaining the best possible financing for your company’s project.


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Many businesses encounter problems when seeking long-term financing

Recognizing this, we administer and team with the U.S. Small Business Administration (SBA) to offer the 504 Loan Program to give businesses a financing alternative.


Learn About Our Program

We Care About Those We Serve

Who’s It for?

Commercial Businesses

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Startups / Entrepreneurs

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How it Works

I knew that Capital Access would be a good fit for my client because she needed a low capital injection, longer terms, and a lender who cared about her success. While working with you, I was truly impressed by your sense of urgency, clear communication, and knowledge of the 504 loan process. Your assistance was invaluable.

Toni Sears

Louisville Small Business Development Center

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How it Works

Each 504 loan package has three elements:

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CAPITAL ACCESS

We lend up to 40 percent of the total fixed asset financing need, to a maximum of $5,000,000*.

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BANK / LENDER

A private lender, usually a bank, lends up to 50 percent of the project’s total cost.

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YOUR BUSINESS

The business provides a minimum of 10 percent of the necessary funds.

(Higher equity requirements exist for start-up or leveraged companies in specialized industries.)

*This amount can be increased to $5,500,000 for manufacturing concerns or “green” projects (projects that create at least 10% reduction in energy consumption.  See tab on Green Projects for more information).

The interest rate on our loans are fixed and generally a little above the rate of long-term Treasury Bonds. The loan maturity is 10, 20, or 25 years. The interest rate on the companion bank loan is negotiated by the borrower and typically is floating. Calculate your loan

Advantages of Choosing Us

a financing alternative


Our combination of fixed and floating interest rate financing provides an effective hedge against unfavorable interest rate fluctuations. If rates increase, the borrower has locked in the relatively low Capital Access Corporation-Kentucky rate on up to 40 percent of the financing. If rates decrease, the borrower floats downward with the bank’s loan.

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