KY · NAICS sector 72 · 83 financed acquisitions
$121MCapital deployed
Accommodation and Food Services in Kentucky
83 accommodation and food services businesses in Kentucky were bought with SBA 7(a) acquisition financing since FY2019, carrying $121M of bank debt. The median deal was financed with $875,000 over 15 years at 7.00%.
Volume and price
What accommodation and food services businesses in Kentucky financed by an SBA 7(a) acquisition loan actually cost, and how many of them there were.
Source: SBA 7(a) FOIA loan-level extract, change-of-ownership approvals, FY2019 onward. Data as of 30 June 2026. n = 83 financed acquisitions.
| Size band | Acquisitions | Share |
|---|---|---|
| Under $250k | 20 | 24.1% |
| $250k to $500k | 12 | 14.5% |
| $500k to $1M | 12 | 14.5% |
| $1M to $2M | 16 | 19.3% |
| $2M to $3.5M | 12 | 14.5% |
| $3.5M to $5M | 8 | 9.6% |
| $5M and above | 3 | 3.6% |
| All | 83 | 100.0% |
The 7(a) programme caps a single loan at $5M, so the top band is a ceiling of the instrument, not of the market. Deals above it are financed conventionally and do not appear in this file at all.
How the paper was structured
Loan terms here are not spread smoothly. They spike at exactly ten years and again at exactly twenty-five, with very little in between. Those two points are the programme's maturity ceilings, and which one applies depends on what secures the loan, so a term running past ten years indicates real property was financed alongside the business.
| Term | What it indicates | Acquisitions | Share |
|---|---|---|---|
| Under 10 years | Shorter than the goodwill maximum | 14 | 16.9% |
| Exactly 10 years | The standard goodwill-only note | 24 | 28.9% |
| 10 to 20 years | Mixed collateral | 7 | 8.4% |
| 20 years and over | Real property financed with the business | 38 | 45.8% |
28.9% of loans here run exactly ten years and 45.8% run twenty years or more. n = 83 loans with a recorded term.
What happened next
Two outcomes are visible in the file: approvals that never funded, and funded loans that later charged off. Both are facts about deals, not forecasts.
The charge-off share is cumulative as of 30 June 2026 for loans approved in FY2019-FY2021. Those loans are five to seven years into terms that are usually ten years, so the figure is a floor and the lifetime rate will be higher. It is not comparable to a rate computed over a fully matured cohort, and the site does not publish one for later years for that reason.
By fiscal year
* FY2026 is incomplete. The extract closes 30 June 2026, nine months into a fiscal year that ends 30 September, and some FY2026 approvals have not yet disbursed. Do not read the last column as a decline.
Inside this cross-section
| Industry group | Acquisitions | Share |
|---|---|---|
| 7225 Restaurants and Other Eating Places | 42 | 50.6% |
| 7211 Traveler Accommodation | 33 | 39.8% |
| 7223 Special Food Services | 6 | 7.2% |
| 7212 RV (Recreational Vehicle) Parks and Recreational Camps | 1 | 1.2% |
| 7224 Drinking Places (Alcoholic Beverages) | 1 | 1.2% |
| Lender | Acquisitions | Share |
|---|---|---|
| Community Trust Bank | 11 | 13.3% |
| GBank | 10 | 12.0% |
| Stock Yards Bank & Trust Company | 7 | 8.4% |
| Old National Bank | 6 | 7.2% |
| First Western SBLC | 5 | 6.0% |
| Republic Bank & Trust Company | 5 | 6.0% |
| United Midwest Savings Bank | 4 | 4.8% |
| German American Bank | 3 | 3.6% |
Compare
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The figures above describe accommodation and food services businesses in Kentucky at the size the 7(a) programme reaches. They describe a market, not your business. FIH advises owners of privately held companies on sale processes, and the first conversation costs nothing and commits you to nothing.
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