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Map of the United States with highlights on the following served areas: Kentucky
Areas Served
Office Locations LEXINGTON (Main Office) - 1450 North Broadway, Lexington, KY 40505 CAMPBELLSVILLE - 205 North Columbia Avenue, Campbellsville, KY 42718 LOUISVILLE - 1812 W. Muhammad Ali Blvd., Louisville, KY 40203 MILLERSBURG - 1122 Main St. Millersburg, KY 40311 OWENSBORO - 200 East 3rd Street, Suite 302, Owensboro, KY 42303
Contact Email [email protected]

If you dream of owning or expanding a successful business, Community Ventures can help turn your dream into a reality with access to working capital and financial education and training.  Community Ventures is a trusted nonprofit resource for small businesses. We are a certified U.S. Small Business Administration (SBA) lender and a recognized leader in small business lending in Kentucky.


Lending Focus

We help small businesses and entrepreneurs throughout the state. Our clients work with us to secure necessary capital for their business, along with the business development training and technical assistance to give them the best chance of success.

Loans At A Glance

Loan Amounts Provided

Various loan products ranging from $500 to $5,000,000

Eligibility Criteria

  • For profit & non-profit companies with up to 500 employees
  • Minimum credit score (for profits): 635
  • Exception process for 600-635 or unscored borrowers
  • Uses: purchase, construction, renovation, tenant improvements of at least 51% owner occupied place of business. Also, start-up costs, working capital, equipment, inventory
    • Repaying delinquent taxes
    • Gambling, speculative activities, pyramid schemes
    • Activities prohibited by federal or state law
    • Residential properties
    • Investment properties -Exception in place for Commercial Real Estate (CRE) investment properties that redevelop business districts. Property may be up to 50% residential.


  • Fees typically include a 1% origination fee and other normal closing costs

Loan Types

  • Small business and owner-occupied CRE loans

Client Success Story

Against all odds and at the most improbable time, Ann Carter-Smith went “all in” to launch Face Yourself Day Spa in Henderson, Kentucky. In 2020, at the height of the pandemic, Carter-Smith left behind her 30-year nursing career and the hospital environment to fulfill her dreams of opening an all-inclusive spa offering affordable services. Carter-Smith drained her savings to self-fund the project, but because Face Yourself has grown quickly, the entrepreneur turned to Community Ventures’ Ron Burkins to help secure the small business loan for the capital she needed. Read more about Carter-Smith’s success.