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Small Business
KENTUCKY 2019-2020
resource guide
GROW YOUR BUSINESS
in kentucky
1
Let us help
give voice
to your
story.
SCOPE OF SERVICES We have all heard the phrase “content is
king.” Creating rich, engaging, and inspiring
content differentiates your brand in the
Brand Voice Catalogs marketplace. But who has time to focus on
Articles Visitor Guides anything other than running their business?
Narrative works with you to develop
Blogs Books
the tools to tell your story across all
Website Content Copywriting
media platforms. Powerful and authentic
Social Media Posts Photography storytelling helps you stand out. It inspires
Email Content Videos action. It creates an emotional impact and
Brochures forges enduring relationships. It separates
you from the competition.
To schedule a meeting or to learn more, contact
Buddy Butler at buddy@newsouthmediainc.com
or call 304.615.9884.
BY NEW SOUTH M E D I A
2
CONTENTS
Kentucky Edition 2019-2020
Local Business Funding
Assistance Programs
8 National Success Story 22 National Success Story
Jerado and Joyce Reynolds With the help of a 7(a) business
know their local landscape for acquisition loan of $1.1 million,
entrepreneurship support. Mark Moralez and John Briggs
purchased Printing Palace in
11 Local SBA Resource Santa Monica becoming small
Partners business owners.
14 How to Start a Business 25 SBA Lenders
17 Your Advocates 33 Need Financing?
18Programs for 34 Go Global with
Entrepreneurs International Trade
19 Programs for Veterans 36 R&D Opportunities for
High Growth Startups
20 Local Success Story
The SBA helped Paul Isenberg 38 National Success Story
construct a high quality care Cheeseburger Baby owner
center that suited the needs of Stephanie Vitori persevered
busy parents like himself. through a financial storm and a
natural disaster.
42 Surety Bonds
Contracting
44 National Success Story
Jennifer Rahn steers the course
for Admiral Engineering,
succeeding as a small business
subcontractor.
47 Government Contracting
48 SBA Certification
Programs
49 Woman-Owned Small
Business Certification
ON THE COVER Bowling Green
farmland, photo by David Barajas on
Unsplash; Louisville skyline, photo
by David Barajas from Unsplash; Paul
Isenberg, photo courtesy of the SBA;
photo by USA-Reiseblogger from Pixabay
3
4
5
PUBLISHED BY
Loans
New South Media, Inc.
304.413.0104 | newsouthmedia.com
PUBLISHER
Nikki Bowman, nikki@newsouthmediainc.com
from the ASSOCIATE EDITORS
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Copyright: New South Media, Inc. Reproduction in part or whole is strictly prohib-
ited without the express written permission of the publisher.
© 2019 NEW SOUTH MEDIA, INC., ALL RIGHTS RESERVED
The U.S. Small Business Administration’s Office of Marketing & Customer Service directs
SBA lender
the publication of the Small Business Resource Guide under SBA Contract #SBAHQ-
17-C-0018. SBA publication summer 2019 national edition #mcs-0089.
WRITER/EDITOR
Becky Bosshart
(202) 205-6677
in our region.
rebecca.bosshart@sba.gov
DIRECTOR OF MARKETING
Paula Panissidi Tavares
paula.tavares@sba.gov
The SBA’s participation in this publication is not an endorsement of the views,
opinions, products or services of the contractor or any advertiser or other participant
appearing here. All SBA programs and services are extended to the public on a nondis-
criminatory basis.
Directory listings do not constitute or imply an endorsement by the SBA of any
opinions, products, or services of any private individual or entity.
Printed in the United States of America.
While every reasonable effort has been made to ensure that the information con-
tained here is accurate as of the date of publication, the information is subject to
change without notice. The contractor that publishes this guide, the federal govern-
ment, or agents thereof shall not be held liable for any damages arising from the use
of or reliance on the information contained in this publication.
huntington.com
6
SBA Kentucky
District Office
Romano Mazzoli Federal Building
600 Dr. Martin Luther King Jr. Place, room 188
Louisville, KY 40202
(502) 582-5971
sba.gov/ky
@SBA_Kentucky
District Director Letter Deputy District Director & SBDC
W
Project Director
elcome to the 2019-2020 edition of the U.S. Small Business Administration’s Robert Coffey
Kentucky Small Business Resource Guide. The SBA helps make the American (502) 582-5971 x266
dream of small business ownership a reality. We are the only federal agency robert.coffey@sba.gov
dedicated to helping our 30 million small businesses start, grow, expand, or recover after
a disaster. The SBA Kentucky District Office works with an extensive network of business Economic Business Development
advisers and lenders to help Kentucky’s 347,000 small businesses at every stage of Specialist & HUBZone Liaison
development—in turn, supporting the 700,000 Kentuckians employed by small enterprises. Cherie Guilford
Across our state in the last year, we empowered the state’s small businesses to: (502) 582-5971 x261
• Find an ally, advocate or mentor via our SBA Resource Partners, which includes cherie.guilford@sba.gov
SCORE, Small Business Development Centers, Women’s Business Centers, and the
Lender Relations Specialist & District
Veterans Business Outreach Center, all powered by the SBA.
International Trade Officer
• Access over $170 million in SBA-guaranteed loans using 66 local banks, credit unions,
Dana Winston
community-based lenders, and microlenders. These 651 businesses that qualified for
(502) 582-5971 x227
SBA financing then hired thousands of new employees, bought needed equipment,
dana.winston@sba.gov
and built or renovated facilities.
• Receive $785 million in federal contract awards. Lender Relations Specialist
Stay up to date on SBA events near you and get valuable Kentucky business information by Sharron Johnson
following us on Twitter @SBA_Kentucky. Register for email updates at sba.gov/updates. (502) 582-5971 x243
Use our Small Business Resource Guide to power your dream of starting, growing, or sharron.johnson@sba.gov
expanding your small business here in Kentucky.
Lead Economic Development
Sincerely, Specialist, Veteran Business
The SBA Kentucky District Office Development Officer, Women’s
Business Center Liaison &
SCORE Liaison
COURTESY OF DAVID BARAJAS FROM UNSPLASH
Tommie Causey
(502) 582-5971 x237
tommie.causey@sba.gov
Senior Area Manager & Public
Information Officer
Michael Ashcraft
(502) 582-5971 x225
michael.ashcraft@sba.gov
7
LOCAL BUSINESS
ASSISTANCE
How We Did It
Made
to Last
Joyce and Jerado Reynolds used SBA
support to succeed.
Written by Micaela Morrissette
COURTESY OF SHANA SURECK PHOTOGRAPHY
8
LOCAL BUSINESS ASSISTANCE
R 5
eynolds Welding &
Tips for
Fabrication has grown
steadily, building a loyal
customer base, since
Jerado Reynolds founded
the company in 2005. Success
COURTESY OF SHANA SURECK PHOTOGRAPHY
“At first the company was just Jerado,”
recalls his wife and co-owner, Joyce
Find a great business mentor.
Reynolds. “Then it was him and me part To find your local SBA office and
time.” During the day she worked as a resource partners in your area, visit
nurse and spent her evenings doing all sba.gov/localresources.
the company’s paperwork. The Reynolds
sank everything they earned into the
business—money, time, and energy. She Have a healthy view
remembers with pride helping Jerado
of competition.
weld a stair railing at a local school. Her
We’re not always competing.
son later attended that same school,
We’re a competitor, but if a similar
and she watched her child and others business has extra work, they’ll send
SBA Resource Partner, where “from day
using the rail, benefiting from the it to us and vice versa. That’s the
one it was, Eureka! Everyone wanted
hard work the couple did together. It relationship to have.
to see us win.” Women entrepreneurs
was then Joyce decided as much as she
receive essential business counseling and
loved her day job, she wanted to devote
training from this national network of
herself full time to the family business Record everything you do.
community-based centers. Most helpful
in Windsor, Connecticut. She wanted Navigating business relationships
was the detailed personal attention
to work side-by-side with her husband, in this age means keeping an email
available through free one-on-one
fully focused on administration and record of everything you do. Leave a
business counseling. Joyce also learned
business growth. As they both hoped, clear paper trail.
about workshops offered by providers like
word of mouth spread; clients made
the Metropolitan District, a Connecticut
referrals. Joyce was soon overwhelmed
nonprofit municipal corporation offering
with paperwork. They brought on two
water and sewer services. At a meet- Sacrifice to ensure quality.
employees—doubling up in the busy We don’t cut corners. Sometimes you
and-greet, Joyce understood how much
seasons. They were able to maintain four have to lose money to do quality work—
the SBA could help her business. An
full-time employees by 2009. After this, it’s rough, but nothing is more important.
SBA professional walked Joyce through
Joyce says, they saw that “things were
the extensive paperwork and, crucially,
not moving.” She wanted to scale up.
helped her register the company in
the System for Award Management
Seek SBA assistance to
Challenge
The company wasn’t growing in part (sam.gov), positioning the company for see if you qualify for
because it wasn’t certified with the new federal contracts. business certifications.
state department of transportation or “Resources like the Entrepreneurial We used to look for jobs. Now that
prequalified with the Connecticut State Center and the SBA will train you from we’re on the SBA Subcontracting
Department of Administrative Services, bottom to top,” Joyce says. “They have Network database, SubNet, and
Joyce says. She decided to tackle the finance classes that open your eyes sam.gov, we have a continuous flow
regarding taxes. You'll learn how to of contractors reaching out to us.
certification problem full time, leaving
her nursing career. This was the change register your business. They’ll help
she'd been wanting to make, but since with a contract or your website or on two bridges—a lifelong dream. Joyce
her background was in health care, accountability statements. Everything!” continues to move forward, getting
Joyce didn’t feel fluent in the languages Before the SBA, Reynolds Welding Reynolds qualified for the SBA 8(a)
of construction or business. Joyce attempted the DOT certification on five Business Development Program, which
wanted to learn, and she had incentive: separate occasions, always falling short provides free business development
they needed the certifications to bid because the process was so complicated. education to small businesses so they
on bigger jobs. “Never be afraid to ask Joyce secured the certification with SBA can better compete in the public sector.
questions,” she says. Joyce needed to guidance on the first attempt. “When I came on full time, I set a goal
find people with answers. for what I would like for the company,
Benefit and I’ve achieved 80% of that,” Joyce
Solution Reynolds Welding now employs more says. When she secures 8(a) certification
She and Jerado connected with the than 15 workers, constructing stairs, for Reynolds, she’ll have hit all her
University of Hartford Entrepreneurial rails, structural beams, and columns objectives. Then, she admits, she’ll
Center & Women’s Business Center, an throughout the region. Jerado is working probably come up with some new ones.
9
LOCAL BUSINESS ASSISTANCE
SBA Resource Partners
No matter your industry, location, or experience, if you have a dream, the SBA is here to help you achieve it. Our SBA
Resource Partners offer mentoring, counseling, and training to help you startup and thrive at all stages of the business
life cycle. These independent organizations operating across the United States and U.S. territories are funded through SBA
cooperative agreements or grants.
SMALL BUSINESS DEVELOPMENT CENTERS
950+
Achieve your dream of business ownership and remain
competitive in an ever-changing global economy with assistance
from your local SBDC. Access free counseling and free or low-
cost training on topics like regulatory compliance, technology
Small Business development, and international trade. Find an SBDC adviser at
sba.gov/sbdc.
Development Centers
SCORE
300+
Join the ranks of other business owners who have experienced
higher revenues and increased growth thanks to SCORE, the nation’s
largest network of volunteer business mentors. Experienced
executives share real-world knowledge to fit your busy schedule.
SCORE chapters SCORE mentors are available for free as often as you need, in person,
via email or over video chat. Find a mentor at sba.gov/score.
WOMEN’S BUSINESS CENTERS
100+
Women entrepreneurs receive essential business counseling and
training from this national network of community-based centers.
Each center tailors its services to help you navigate the challenges
women often face when starting or growing a business. To learn
about SBA resources for women visit sba.gov/women.
Women’s Business
Centers
VETERANS BUSINESS OUTREACH CENTERS
20 +
Veteran and military entrepreneurs receive business training,
counseling, and referrals to other SBA Resource Partners at
a Veterans Business Outreach Center, sba.gov/vboc. Receive
procurement guidance to better compete for government
contracts. VBOCs also serve active duty service members,
Veterans Business National Guard or Reserve members, veterans of any era, and
Outreach Centers military spouses.
10LOCAL BUSINESS ASSISTANCE
Our Local SBA Resource
Partners
SBA’s Resource Partners are independent organizations funded through SBA cooperative
agreements or grants.
Big Sandy Counseling Center–Pikeville
(859) 806-8258
Branch Manager Bill Shutters
bill.schutters@gmail.com
Bowling Green Counseling Center
Chamber of Commerce Center
710 College St.
(270) 901-4745
Branch Manager Greg Siegelman
bowlinggreen@score-kentucky.org
Elizabethtown Counseling Center
Elizabethtown Chamber of Commerce
111 W. Dixie Ave.
(270) 765-4334
elizabethtown@score-kentucky.org
Lexington Chapter #276
389 Waller Ave., suite 130
(859) 231-9902
Chapter Chair David Johnson
Tuesdays and Thursdays 1:30-3:30 p.m.
scorelex@gmail.com
lexington.score.org
London Counseling Center
(859) 231-9902
Cliff Ellerbrook
scorelex@gmail.com
New Albany, IN Counseling Center
Community Foundation Office Building
4102 Charlestown Road
(812) 944-9178
Branch Manager Paul Staashelm
522score@netpointe.com
Arthur and Sandra Johnson, owners Northern KY Counseling Center
of 21 Short Stop in Georgia, received Northern Kentucky Chamber of Commerce
assistance from their local Small Business
Development Center and SCORE chapter.
300 Buttermilk Pike, suite 330
(513) 684-2812
Bill DiGrezio
SCORE score@scoreworks.org
scoreworks.org
Call for an appointment or visit sba.gov/score.
Scottsburg, IN Counseling Center
Louisville Chapter #75 Bardstown Counseling Center Mid America Science Park Business Center
(502) 888-4543 310 Xavier Drive 821 Lake Road
Chapter Chair Carl Coslow (502) 386-5603 or (502) 350-0948 (812) 752-9521
scorelouisville@scorevolunteer.org Ashley Patterson David Church
louisville.score.org ashley@skyforwardfoto.com dchurch3200@gmail.com
11LOCAL BUSINESS ASSISTANCE
Small Business Development Centers
Kentucky SBDC State Office
University of Kentucky SBDC Southeast Kentucky Community
343 Waller Ave., suite 205
(859) 257-7668 or toll free (888) 475-SBDC South Central and Technical College SBDC
ksbdc.org Serving Adair, Casey, Clinton, Estill, Serving Bell, Clay, Harlan, Knox, Leslie,
State Director Kristina Joyce Garrard, Jackson, Laurel, Lincoln, Madison, Letcher, and Perry counties
kjoyce@uky.edu McCreary, Pulaski, Rockcastle, Russell, Middlesboro Campus
Wayne, and Whitley counties 100 College Road
Associate State Director Gordon Garrett 440 Old Whitley Road, suite 101, London (606) 248-0563 or toll free (888) 225-SBDC
gmgarr2@uky.edu (606) 454-7042 Director/Management Consultant
Associate State Director/Finance Director/Management Consultant Sam Coleman, samuel.coleman@kctcs.edu
Accountant David Stevens Kevin Norvell, kevin.norvell@uky.edu
dsteven@uky.edu Management Consultant
Mike Morley, mmorley@setel.com
Data Analyst Kristy Coates University of Kentucky
kristy.coates@uky.edu SBDC Louisville Communications Coordinator
Serving Bullitt, Carroll, Henry, Jefferson, Gabrielle Wright, gwright001@kctcs.edu
Program Coordinator Scarlett Consalvi
sconsalvi@uky.edu Oldham, Owen, Shelby, Spencer, and
Trimble counties EAST KENTUCKY
Executive Assistant Joyce Smith 614 W. Main St., suite 6000
joyce.smith19@uky.edu Morehead State University SBDC
(502) 625-0123
District Office
Director/Management Consultant Serving Bath, Bracken, Fleming, Lewis,
CENTRAL KENTUCKY David Oetken Mason, Menifee, Montgomery, Morgan,
University of Kentucky david.oetken@uky.edu Robertson, and Rowan counties
SBDC Bluegrass Assistant Director/Management 149 E. Main St., Morehead
Serving Anderson, Bourbon, Boyle, Clark, Consultant Toni Sears (606) 783-2895
Fayette, Franklin, Harrison, Jessamine, Mercer, toni.cardell@uky.edu District Director/Management Consultant
Nicholas, Powell, Scott, and Woodford counties Mark Murphy
Management Consultant Vallorie Henderson
(859) 257-7666 or toll free (888) 475-7232 m.murphy@moreheadstate.edu
vallorie.henderson@uky.edu
Director/Management Consultant
Shawn Rogers Communications Coordinator Janet Flaugh General Management Consultant
shawn.rogers@uky.edu janet.flaugh@uky.edu Rachel Bowling
rtbowling@moreheadstate.edu
Management Consultant John Zink Special Projects Manager Lauren Roebuck
john.zink@uky.edu lyroebuck@gmail.com General Management Consultant
Mike Jackson
Management Consultant/Communications
Northern Kentucky m.jackson@moreheadstate.edu
Coordinator Becky Marefat
becky.marefat@uky.edu University SBDC
Serving Boone, Campbell, Gallatin, Grant,
Morehead State University
Kenton, and Pendleton counties SBDC Prestonsburg
University of Kentucky
305 Johns Hill Road, Highland Heights Serving Breathitt, Floyd, Johnson, Knott,
SBDC Elizabethtown Lee, Magoffin, Martin, Owsley, Pike, and
(859) 448-8801
Serving Breckinridge, Grayson, Green, Wolfe counties
Hardin, Larue, Marion, Meade, Nelson, Director/Management Consultant 6 Bert Combs Drive, room 207
Taylor, and Washington counties Rebecca Volpe, volper1@nku.edu (800) 648-5372 x2681
1105 Juliana Court, suite 6 Management Consultant
(270) 765-6737 Management Consultant Michelle Spriggs,
Kim Wolf, wolfk2@nku.edu
Director/Management Consultant m.spriggs@moreheadstate.edu
Patricia Krausman Data Specialist
patricia.krausman@uky.edu Jesica Jehn, jenhj2@nku.edu Morehead State University
SBDC Ashland
Management Consultant Steve Heil Serving Boyd, Carter, Elliott, Greenup, and
steve.heil@uky.edu Lawrence counties
Communications Coordinator 1400 College Drive
Neeley Hacker (606) 329-8011
neeley.hacker@uky.edu Management Consultant Kayla Keeton,
kbkeeton@moreheadstate.edu
12LOCAL BUSINESS ASSISTANCE
Veterans
Business
Outreach
Center
Veteran entrepreneurs or small business
owners can receive business training,
counseling and mentoring, and referrals
to other SBA Resource Partners at a
Veterans Business Outreach Center,
sba.gov/vboc. This is also the place to
receive procurement guidance, which
can help your business better compete
for government contracts.
Serving Kentucky & Tennessee
201 Venture Circle, Nashville, TN
(615) 425-7171
pathwaylending.org/vboc
O'Connor Belting, a Delaware Director Reggie Ordonez, reggie.
family-owned business,
expanded with the help of an ordonez@pathwaylending.org
SBA-guaranteed 7(a) loan.
Women’s
Business
Center
For your nearest Women’s Business
Center, visit sba.gov/women.
Women’s Business Center
of Kentucky
1450 N. Broadway, Lexington
(859) 231-0054 x1003 or (800) 299-0267
wbckentucky.org
Director Phyllis Alcorn, palcorn@cvky.org
1812 W. Muhammad Ali Blvd., Louisville
(502) 566-6076 x1047
Program Assistant Margaret Prince,
mprince@cvky.org
13LOCAL BUSINESS ASSISTANCE
COURTESY OF THE SBA
Dac Tran grew her Viet Wah
market in Seattle, WA with the
help of an SBA-backed 7(a) loan.
How to Start a
Business in Kentucky
Thinking of starting a business? Here are the nuts & bolts.
business out of your home or engage in
The Startup Logistics Market Research
Even if you’re running a home-based Need to do research on your clients and industrial activity in a retail district.
business, you will have to comply with location? View consumer and business
many local, state, and federal regulations. data for your area using the Census
Name Registration
Register your business name with the
Do not ignore regulatory details. You may Business Builder: Small Business Edition,
county clerk where your business is
avoid some red tape in the beginning, but https://cbb.census.gov/sbe. Filter your
located. If you’re a corporation, also
your lack of compliance could become search by business type and location to
register with the state, onestop.ky.gov.
an obstacle as your business grows. view data on your potential customers,
Taking the time to research regulations including consumer spending, and a
Taxes
is as important as knowing your market. summary of existing businesses, available
As a business owner, you should know
Carefully investigate the laws affecting as a map and a report.
your federal tax responsibilities and make
your industry. Being out of compliance
some business decisions to comply with
could leave you unprotected legally, lead Business License & Zoning
certain tax requirements. The IRS Small
to expensive penalties, and jeopardize Licenses are typically administered by a
Business and Self-Employed Tax Center,
your business. variety of state and local departments. It is
go.usa.gov/xPxYR, offers information on
onestop.ky.gov/start important to consider zoning regulations
a variety of topics including: obtaining an
dhbc.ky.gov/bce/bc when choosing a site for your business.
Employer Identification Number, paying
Contact the local business license office
and filing income tax, virtual workshops,
where you plan to locate your business.
forms, and publications.
You may not be permitted to conduct
14LOCAL BUSINESS ASSISTANCE
As the IRS continues to implement some The Occupational Safety and Health questions about accessible design and
of the Tax Cuts and Jobs Act provisions, Administration provides information on the ADA standards to the U.S. Access
your tax obligations may change. Visit the specific health and safety standards Board at (800) 872-2253, TTY (800)
the Tax Reform Provisions that Affect used by the U.S. Department of Labor. 993-2822, ta@access-board.gov or visit
Businesses page on irs.gov for the latest Call (800) 321-6742 or visit osha.gov. For access-board.gov.
tax reform updates that affect your bottom the state labor department, visit labor.
line. For local assistance, visit irs.gov/help/ ky.gov to find information on training, Child Support
contact-my-local-office-in-kentucky. OSHA standards, and required wage and Employers are essential to the success
hours workplace posters. of the child support program and are
»» State Taxes
responsible for collecting 75% of support
Visit revenue.ky.gov for information
on business taxes, like sales and use Employee Insurance nationwide through payroll deductions.
Check with your state laws to see if you The Office of Child Support Enforcement
tax. Also register your business and
are required to provide unemployment at Health and Human Services offers
search for forms or find a service center.
or workers’ compensation insurance for employers step-by-step instructions
Social Security your employees. For health insurance for processing income withholding
If you have any employees, including options, call the Small Business Health orders for child support. Download the
officers of a corporation but not the Options Program at (800) 706-7893 fact sheet about the Employer’s Role
sole proprietor or partners, you must or visit healthcare.gov/small- in the Child Support Program at the
make periodic payments, and/or file businesses/employers. Office of Child Support Enforcement’s
quarterly reports about payroll taxes Department of Labor Association website at acf.hhs.gov/programs/css >
and other mandatory deductions. Health Plans allow small businesses, employer responsibilities. You can also
You can contact the IRS or the Social including self-employed workers, to find information about other employer
Security Administration for information, band together by geography or industry responsibilities and tools that can make
assistance, and forms, at (800) 772-1213 to obtain healthcare coverage as if meeting those responsibilities easier,
or visit socialsecurity.gov/employer. they were a single large employer. For such as electronic income withholding
You can file W-2s online or verify job information, visit dol.gov/general/topic/ orders and the Child Support Portal.
seekers through the Social Security association-health-plans. Send questions to employerservices@
Number Verification Service. For information on state insurance acf.hhs.gov.
and employee compensation, visit labor. »» Kentucky Child Support
Employment Eligibility ky.gov/comp and insurance.ky.gov. csws.chfs.ky.gov/csws
For information on Kentucky’s Electronic
Verification
The Federal Immigration Reform and Workplace for Employment Services, visit Intellectual Property
kewes.ky.gov. Patents, trademarks, and copyrights are
Control Act of 1986 requires employers
to verify employment eligibility of new types of intellectual property that serve
employees. The law obligates an employer
Environmental to protect creations and innovations.
to process Employment Eligibility Regulations The United States Patent and Trademark
Verification Form I-9. The U.S. Citizenship State assistance is available for Office is the federal agency that grants
and Immigration Service offers information small businesses that must comply U.S. patents and registers trademarks.
and assistance through uscis.gov/i-9- with environmental regulations For information and resources about
central. For forms call (800) 870-3676. For under the Clean Air Act. State Small U.S. patents and federally registered
the employer hotline call (888) 464-4218 or Business Environmental Assistance trademarks consult uspto.gov. Call
email I-9central@dhs.gov. programs provide free and confidential the patent and trademark office help
E-Verify, operated by the Department assistance to help small business center at (800) 786-9199 or visit the U.S.
of Homeland Security in partnership owners understand and comply with Patent and Trademark headquarters in
with the Social Security Administration, complex environmental regulations and Alexandria, Virginia.
electronically verifies the Social Security permitting requirements. These state A patent for an invention is the grant of
number and employment eligibility programs can help businesses reduce a property right to an inventor, issued by
information reported on Form I-9. It’s the emissions at the source, often reducing the U.S. patent office. The right conferred
quickest way for employers to determine regulatory burden and saving you money. by the patent grant is the right to exclude
the employment eligibility of new hires. To learn more about these free services others from making, using, offering for sale,
Visit e-verify.gov, call (888) 464-4218 or visit nationalsbeap.org/states/list. or selling the invention in the United States
email e-verify@dhs.gov. or importing the invention into the country.
Accessibility and For information visit uspto.gov/inventors.
Health & Safety ADA Compliance There are three types of patents:
All businesses with employees are For assistance with the Americans with • Utility patents may be granted to
required to comply with state and federal Disabilities Act, call the ADA Center anyone who invents or discovers any
regulations regarding the protection of at (800) 949-4232 or the Department new and useful process, machine,
employees, visit dol.gov for information. of Justice at (800) 514-0301. Direct manufacture, or composition
15LOCAL BUSINESS ASSISTANCE
Advantage Kentucky Alliance
Manufacturing Extension Program
advantageky.org
Kentucky Arts Council and Kentucky
Crafted Program
artscouncil.ky.gov
Kentucky Association of Economic
Development
kaedonline.org
Export Assistance
St. Louis U.S. Export Assistance Center
Regional Export Finance Manager
Larry D. Cresswell
Serving Iowa, Missouri, Kansas, and Nebraska
Office of International Trade
U.S. Small Business Administration
1100 Corporate Square Drive, suite 215
St. Louis, MO
(314) 540-7587
larry.cresswell@sba.gov
U.S. Department of Commerce
U.S. Export Assistance Center–Louisville
COURTESY OF THE SBA
Snyder Building
601 W. Broadway, room 634B
(502) 582-5066
Reeves Clippard used the business knowledge he export.gov/Kentucky
acquired in the SBA Emerging Leaders program to
grow A/R Solar in Seattle, WA.
U.S. Export Assistance Center–Lexington
301 E. Main St., suite 110
• of matter, or any new and useful »» State Trademarks (859) 225-7001
improvement. Kentucky Secretary of State export.gov/kentucky
• Design patents may be granted to sos.ky.gov/bus/tmandsm
anyone who invents a new, original, Copyrights protect original works of U.S. Export Assistance Center
and ornamental design for an article of authorship including literary, dramatic, Office of International Trade
manufacture. musical and artistic, and certain other Serving Alabama, Georgia, Kentucky and
• Plant patents may be granted to intellectual works. Copyrights do not protect central & western Tennessee
anyone who invents or discovers and facts, ideas, and systems, although they may 230 Peachtree St. NW, suite 1725
asexually reproduces any distinct and protect the way they are expressed. Atlanta, GA
new variety of plant, other than a tuber For general information contact: (404) 730-2706
propagated plant or a plant found in an Regional Export Finance Manager
»» U.S. Copyright Office David Leonard, david.leonard@sba.gov
uncultivated state. U.S. Library of Congress sba.gov/offices/regional/iv
A trademark or service mark includes James Madison Memorial Building sba.gov/international
any word, name, symbol, device, or any 101 Independence Ave. Southeast
combination, used or intended to be used State Exporting Resources are available
Washington, DC
to identify and distinguish the goods/ (202) 707-3000 or toll free (877) 476-0778 at thinkkentucky.com/international/
services of one seller or provider from copyright.gov exports.aspx.
those of others and to indicate the source
of the goods/services. Trademarks and Kentucky World Trade Center–Louisville
Chambers of Commerce 444 S. Fifth St., suite 600
service marks may be registered at both kychamberexecutives.com
the state and federal level. The U.S. Patent (502) 574-1599
wtcky.org
and Trademark Office only registers federal Economic Development
trademarks and service marks. Federally Visit Think Kentucky: Cabinet for Economic Kentucky World Trade Center–Lexington
registered trademarks may conflict with Development at thinkkentucky.com, 301 E. Main St., suite 110
and supersede those registered only at the where you can also find resources and (859) 225-0006
state level. Visit uspto.gov/trademarks. financial incentives. wtcky.org
16LOCAL BUSINESS ASSISTANCE
Your To report how a proposed federal
regulation could unfairly affect you,
Advocates
find your regional SBA advocate at
sba.gov/advocacy.
To submit a comment about how
your business has been hurt by an
existing regulation, visit
The SBA’s offices of advocacy and ombudsman are sba.gov/ombudsman/comments
independent voices for small business within the
federal government.
Advocacy
When you need a voice within the federal »» when you need economic and small »» seek remedies when rules are
government for your interests as a small business statistics inconsistently applied
business owner, the SBA’s regional advocates The SBA’s Office of Advocacy also »» recover payment for services done by
are here to assist. The advocates analyze the independently represents small business and government contractors
effects of proposed regulations and consider advances its concerns before Congress, the
alternatives that minimize the economic White House, federal agencies, federal courts, Make your voice heard by participating in a
burden on small businesses, governmental and state policy makers. Regional Regulatory Enforcement Fairness
jurisdictions, and nonprofits. Find your Roundtable or a public hearing hosted by the
regional advocate at sba.gov/advocacy. Ombudsman SBA’s national ombudsman. These events
Entrepreneurs who have an issue with an are posted periodically on the ombudsman
Your advocate helps with these small
existing federal regulation or policy can website, sba.gov/ombudsman.
business issues:
receive assistance from the SBA’s national To submit a comment or complaint through
»» if your business could be negatively ombudsman. the online form, visit sba.gov/ombudsman/
affected by regulations proposed by the comments. Your concerns will be directed to
The ombudsman’s office helps you:
government the appropriate federal agency for review. The
»» if you have contracting issues with a »» resolve regulatory disputes with federal SBA will collaborate with you and the agency
agencies to help resolve the issue.
federal agency
»» reduce unfair penalties and fines
17LOCAL BUSINESS ASSISTANCE
Entrepreneurial
Opportunities
Regional Innovation Clusters
Create jobs and grow the economy through an SBA Regional
Innovation Cluster. Online Resources
Find free short courses and learning
Who should join
Small businesses driving innovation in one of these tech industries: tools to start and grow your small
• advanced composites business at sba.gov/learning. The
free SBA Online Learning Center is a
• agTech
great resource for every entrepreneur,
• bioscience
especially rural business owners looking
• food processing
for easy access to vital business training.
• data sciences
• medical sciences Courses include:
• power and energy • writing your business plan
• unmanned aerial systems • buying a business
• water tech • financing options
• wood products • digital and traditional marketing to win customers
• disaster recovery
How it works
• understanding your customer
Each industry cluster is based in a geographic region. Your small
business must be located in or near that region in order to join the
cluster. For example, the AgLaunch Initiative cluster, which focuses
on agricultural technology, is located in the Tennessee area. A
small agTech business in or near Tennessee will connect with
other agTech suppliers, service providers, and related institutions
through that innovation cluster.
Native American
Workshops
How it benefits you
Network with other industry innovators and connect with
resources that will help your small business find funding. You’ll
Tribal enterprises and business organizations
also receive guidance on how to better compete for government
contracts and other opportunities so you can grow and expand. can receive training at an SBA Entrepreneurial
Receive free technical and legal assistance to develop your tech Empowerment Workshop. These workshops
and get it to market for government and industry buyers. cover business concepts important for starting,
Get involved growing, or expanding a small business. RedWind
Find an SBA Regional Innovation Cluster near you by visiting instructors identify and help participants avoid
sba.gov/localassistance. Select the regional innovation clusters common pitfalls. Learn how to prepare a business
on the drop-down menu.
plan, gain access to capital, and basic book
keeping. Request a workshop in your area by
visiting nativesmallbusiness.org.
18LOCAL BUSINESS ASSISTANCE
Need financing?
Loan Fee Relief
To encourage lending to members of the
military community who want to start
or grow their business, the SBA reduces
upfront guarantee fees on select loans. That
means the cost savings will be passed down
to you, the eligible veteran or qualifying
COURTESY OF LIFEHEALTH
military member. Ask your local SBA district
office or SBA Lender about the Veterans
Advantage program.
Have an employee who was called to
active duty?
You may receive funds that enable your
business to meet ordinary and necessary
HOW THE SBA HELPED US SUCCEED operating expenses when an essential
Margot Adam Langstaff, left, and Elisa Hamill, right, sought assistance from their employee is called up to active duty in the
local Veterans Business Outreach Center, which helped them better compete for military reserve. Ask your local SBA district
government contracts. LifeHealth of Littleton, CO has expanded to more than 30 office or SBA Lender about the Military
states with offices in Washington, DC and San Antonio, TX. Their clients include the Reservist Economic Injury Disaster Loan.
Department of Defense, the National Guard, and the Indian Health Service. They
also expanded their business using an SBA-backed line of credit for $350,000. Margot Interested in contracting?
started her career as an Army medic, eventually running one of the largest outpatient Veteran-owned and service-disabled
clinics in the Northeast at Ft. Devens, MA. veteran-owned small businesses interested
in federal contracting receive training from
Opportunities
the Veteran Institute for Procurement,
which offers a platform with three
training programs to assist veterans. Visit
for Veterans nationalvip.org.
VIP Start
Members of the military community can start and grow their small Enter the federal market and become ready
for procurement. Nearly 200 veteran-owned
businesses with the help of SBA programs.
businesses from 29 states plus Washington,
Need entrepreneurship training? For women veterans DC have graduated from the program.
In Boots to Business, you explore Receive entrepreneurial training geared VIP Grow
business ownership and other self- toward women veterans, service members, Strategize to expand and operate within
employment opportunities while learning and spouses of service members through the federal marketplace. More than 700
key business concepts. You will walk away these SBA-funded programs: veteran-owned businesses from 42 states
with an overview of entrepreneurship plus DC and Guam have graduated from
»» Veteran Women Igniting the Spirit of
and applicable business ownership this program.
Entrepreneurship in Syracuse, New York
fundamentals, including how to access
»» LiftFund in San Antonio, Texas VIP International
startup capital using SBA resources.
Enter or expand your federal and commercial
Boots to Business is conducted on all
For service-disabled veterans contracting opportunities overseas.
military installations as part of the
Learn how to start and grow a small business
Department of Defense’s Transition Get certified
using these SBA-funded programs:
Assistance Program. Learn about the service-disabled veteran-
»» Entrepreneurship Bootcamp for Veterans owned small business certification program
Who’s eligible? with Disabilities in Syracuse, New York on page 49.
Service members transitioning out of
»» Veterans Entrepreneurship Program at For more assistance
active duty and military spouses.
the Riata Center for Entrepreneurship,
Are you a veteran or member of Veteran and military entrepreneurs
Spears School of Business, Oklahoma
the National Guard or Reserve or a receive business training, counseling, and
State University in Stillwater, Oklahoma
military spouse? Boots to Business: referrals to other SBA Resource Partners
Reboot teaches this entrepreneurship »» Veteran Entrepreneurship Jumpstart at at a Veterans Business Outreach Center,
curriculum off base and in local St. Joseph’s University in Philadelphia, sba.gov/vboc. For veterans business
communities. Register for either B2B Pennsylvania information visit sba.gov/veterans.
program at https://sbavets.force.com. »» Dog Tag Inc., affiliated with Georgetown
University in Washington, DC
19local success story
Paul Isenberg OWNER/FOUNDER, SMART START CHILD C ARE
Bowling Green, K Y
Paul Isenberg started his • What challenge did you have? Our biggest challenge in the beginning was finding
first Smart Start Child Care financing for a new center. A childcare center has high labor costs for experienced
center in 2011 with his mind professionals. It also requires upfront construction costs to provide a safe yet creative
on what he wanted for his environment for children. We also needed a convenient location for parents. Yes,
own family. As the father of the demand for quality childcare is there, but it’s extremely costly to meet all these
small children, Paul wanted needs. Since this was a new venture for me, the center had no track record, so tradi-
high quality care that suited tional financing was more difficult.
the needs of busy parents like
him; he implemented that
• What was the SBA solution? The SBA guarantees loans made by lending institu-
vision in his hometown. With
tions to small business that would not otherwise be able to obtain financing. My small
SBA-backed financing and
business qualified for both the SBA-backed 7(a) and the 504 Certified Development
his own business education,
Paul’s small business has
Company loans. The 504 program allows those who are eligible to purchase or renovate
expanded in Bowling Green. real estate with a competitive fixed-rate mortgage. SBA-backed financing provided the
The SBA helped construct his working capital I needed to acquire new locations and hire the best qualified employ-
first center at the same time ees. In my business, windows of opportunity open and close quickly. Kelcey Rock at
his wife and business partner, Hancock Bank & Trust Co., an experienced SBA Lender, listened to my vision and care-
Stacy, was receiving treatment fully reviewed my business plan. Kelcey understood the factors that drive my industry.
for brain cancer. Stacy has Our SBA Lender ensured I had the capital I needed to fuel our growth.
recovered and Paul has found a
fulfilling career. • What benefit did this have for you? The SBA helped me to reach the goals I set for
my family and my business. Smart Start has grown dramatically. We are now one of the
largest childcare companies in the region, and we haven’t compromised on quality or
our values. Since 2016, Smart Start Child Care revenue has tripled and net profit has
grown four fold. We have more than 125 employees and educate nearly 500 children.
20COURTESY OF THE SBA
The SBA helped me to reach
the goals I set for my family
and my business.”
Paul Isenberg
Owner/Founder, Smart Start Child Care
21FUNDING PROGRAMS
Financing Your Small Business
How We Did It
Crafting a
Business
SBA-backed financing helped Superstition Meadery expand
into a multimillion dollar enterprise.
written by Becky Bosshart
COURTESY OF SUPERSTITION MEADERY
22FUNDING PROGRAMS
J
ennifer and Jeff Herbert’s Solution
home-based brewing has Thanks to guidance from an SBA
expanded into a global, Resource Partner, the Small Business
multimillion dollar Development Center at Yavapai
enterprise thanks to SBA Community College, Jennifer and Jeff
assistance. Using Arizona honey and learned about financing that worked
5
ingredients they’ve sourced from for them. The SBA guarantees loans
around the world (such as Tahitian made by lending institutions to small
Tips for
vanilla and Moroccan saffron), the business that would not otherwise be
Herberts are selling nearly 30,000 able to obtain financing. Their small
Success
gallons annually of their honey-based business qualified for two SBA-backed
fermented beverage. They operate a loans totaling more than $600,000. The
downtown Prescott, Arizona tasting Herberts’ first SBA-backed loan allowed
room and state-of-the-art production them to acquire commercial property to
facility, creating jobs and building design and build their mead production Get guidance.
a local craft industry. The Herberts, facility. Their second SBA-backed loan Develop a working relationship with
founding members of the American provided the funding for professional an SBA Resource Partner (see page 8)
Mead Makers Association, have brewing equipment to complete their to help you find the funding that works
traveled around the world hosting 7,450-square-foot production space. The best for you.
pairing events and pouring at craft Herberts recently purchased a historic
beverage festivals. building in downtown Phoenix, Arizona
to open a mead-pairing restaurant. Define your lending needs.
Challenge
Determine if a loan is right for you. Is
The Herberts wanted to scale up their Benefit
this the right time? How much do you
meadery while also staying true to The Herberts started with two
need? What are you going to use it for?
their values of quality ingredients and employees and now have over 20
craft process. It is often difficult for producing 29,000 gallons this year.
new entrepreneurs or unique concepts From a homegrown setup, Jennifer and
Talk to multiple lenders.
like a meadery to get traditional Jeff are now charting revenue in excess
See who best matches you and your
financing, even though they knew of $2.6 million and distributing to 37
business. Has the lender successfully
they had a great idea, the backing states, across Europe and Southeast
worked with other businesses in
wasn’t there to expand. They say that Asia. They have plans for another your industry?
choosing to do something new breaks expansion, including a shipping
the mold, which can be uncomfortable warehouse to manage their online retail
for traditional lenders. and wholesale orders.
Check all options.
Consult with your lender to see if
you’re eligible for SBA financing
programs, determined by your
industry & experience; collateral;
credit score; and the relationship &
transparency you develop with the
lending agent.
Be ready for the ups
and downs.
Your entrepreneurial endeavor will
be a roller coaster ride filled with
challenges and successes. The path
is all consuming so make sure that
COURTESY OF SUPERSTITION MEADERY
you love what you do. Passion is the
price of admission.
Jeff & Jennifer Herbert, owners of Superstition Meadery, completed their 7,450-square-
foot production space and opened a tasting room in Prescott, AZ with the assistance of
SBA-backed financing. See their story on YouTube by searching for the 2019 National
Small Business Persons of the Year.
23FUNDING PROGRAMS
Lender SBA-backed Loans
Match help small business owners and entrepreneurs who are
creditworthy but don’t qualify for conventional financing.
Find a lender interested
If you cannot obtain a business loan with reasonable rates
in working with you at
sba.gov/lendermatch. and terms, contact your local SBA Lender to see if you are
This matching tool eligible for SBA programs. The SBA works with participating
connects entrepreneurs lenders to reduce their risk, increasing the likelihood your
with SBA Lenders in
loan will be approved with the terms that work best for
your area.
you. The guarantee is conditional on the lender following
SBA program requirements. Just like with any other loan,
you make your loan payments directly to your lender in
accordance with your terms.
24FUNDING PROGRAMS
SBA Lenders
Our participating SBA Lenders serve all of Kentucky unless otherwise noted. To find more bank
locations, visit the lender’s website.
ALEXANDRIA BARDSTOWN BEAVER DAM Central Bank Hancock Bank Cecilian Bank
Heritage Bank Inc. Fort Knox Federal First Kentucky 101 Brenwood St. & Trust 302 Bypass Road
7953 Alexandria Pike Credit Union Bank Inc. (859) 253-6229 2501 Crossings (270) 737-1593
(859) 261-2430 100 Kelly Drive 1331 N. Main St. Julie Szymanski Blvd., suite 250 Tracie Oliver
Robert Lamothe (502) 942-0254 (270) 251-4960 centralbank.com (270) 843-2285 thececilian
heritage Michael Stacy Overby Kelcey Rock bank.com
bank-ky.com Richardson firstkentucky.com Community Trust hancockbank
Bank Inc. WesBanco
PNC Bank Inc. fortknoxfcu.org online.com
525 Walnut (270) 986-0919
8210 E. Main St. BEDFORD Independence wesbanco.com/
PNC Bank Inc. Meadow Road
(513) 841-0024 Bedford Loan Bank borrow/business-
105 W. E. John (800) 422-1090
Chris Goecke Deposit Bank 1950 Scottsville loans
Rowan Blvd. Terry Spears
pnc.com 45 Highway 42 East Road
(513) 841-0024 ctbi.com
(502) 222-4546 (270) 869-0791
U.S. Bank Chris Goecke BURLINGTON
Bart Leet Jim Davis
7630 Alexandria Pike pnc.com Forcht Bank
bedfordbank.com BLOOMFIELD 1776bank.com
(502) 533-8770 6100 First
Joe Wathen Town & Country PNC Bank Inc.
Limestone Bank Financial Drive
usbank.com Bank and Trust Co. BENTON 101 S. Fifth St.
(formerly (859) 263-6552
201 N. Third St. CFSB (513) 841-0024
PBI Bank) Chris Robinson
(502) 348-3911 221 W. Fifth St. Chris Goecke
ASHLAND 751 Campbell Lane forchtbank.com
Raffo Wimsett (270) 727-6125 pnc.com
Community Trust (270) 524-7283 Heritage Bank Inc.
mytcbt.bank Jesse Clark Wilson & Muir
Bank Inc. Kenneth Kidd 1818 Florence Pike
cfsbky.com
1544 Winchester Bank & Trust Co. limestone
Wilson & Muir (859) 261-2430
First Kentucky 105 Taylorsville bank.com
Ave. Bank & Trust Co. Robert Lamothe
Bank Inc. Road
(800) 422-1090 107 N. Third St. South Central heritage
605 Main St. (502) 479-7203 bank-ky.com
Terry Spears (502) 479-7203 Bank Inc.
ctbi.com (270) 251-4960 Andy Parker
Andy Parker 2710 Nashville Road Huntington Bank
Stacy Overby wilsonmuir
PNC Bank Inc. wilsonmuir (270) 651-7466
firstkentucky.com bank.com 2252 Burlington
bank.com Josh Devore
1000 Carter Ave. Park
Heritage Bank USA southcentral
(513) 841-0024 (859) 514-6022
660 Main St. BOWLING GREEN bank.com
Chris Goecke BARDWELL Perry Dunn
pnc.com (270) 887-8405 JPMorgan
First Kentucky U.S. Bank huntington.com
Cell (931) 206-6570 Chase Bank
Bank Inc. 1747 Scottsville
Chip Knight 924 Broadway Ave.
BARBOURVILLE 400 U.S. Highway Road
bankwith (502) 566-3671 CADIZ
Forcht Bank 51 North heritage.com (502) 533-8770
Becky McClennen Bank of Cadiz
406 Knox St. (270) 251-4960 Joe Wathen
U.S. Bank chase.com 79 Main St.
(859) 263-6552 Stacy Overby usbank.com
201 E. 11th St. (270) 522-6066
firstkentucky.com Fort Knox Federal
Chris Robinson Kevin Atwood
(502) 533-8770 Credit Union
forchtbank.com BRANDENBURG bankofcadiz.com
Joe Wathen 2345 Gary
Hometown Bank BEATTYVILLE usbank.com Fort Knox Federal Heritage Bank USA
Farms Blvd.
of Corbin Peoples Credit Union
(502) 942-0254 352 Main St.
238 Cumberland Exchange Bank 1452 Old State Road
BEREA Michael (270) 887-8405
Ave. 48 Center St. (502) 942-0254
Cumberland Valley Richardson Cell (931) 206-6570
(606) 526-2718 (859) 744-9400 Michael
National Bank fortknoxfcu.org Chip Knight
Malissa Shelton Louise Howerton Richardson bankwith
235 Glades Road
ahometown pebank.com fortknoxfcu.org heritage.com
(606) 878-7010
bank.com
Haskew Hayes
cvnb.com
25FUNDING PROGRAMS
FNB Bank Inc. Forcht Bank CECILIA CORBIN DANVILLE EDMONTON
2558 Main St. 1405 E. Broadway Cecilian Bank Cumberland Valley JP Morgan Edmonton
(270) 251-6058 (859) 263-6552 104 E Main St. National Bank Chase Bank State Bank
Pat Bynum Chris Robinson (270) 737-1593 1200 Cumberland 237 W. Main St. 118 S. Main St.
growwithfnb.com forchtbank.com Tracie Oliver Falls Highway (502) 566-3671 (270) 487-6123
thececilian (606) 878-7010 Becky McClennen Tony High
Fort Knox Federal
bank.com Haskew Hayes chase.com edmonton
CALHOUN Credit Union
cvnb.com statebank.com
BB&T 121 Walmart Drive Community Trust
100 Main St. (502) 942-0254 CLAY CITY Hometown Bank Bank Inc. South Central
(502) 562-5848 Michael Peoples of Corbin 462 W. Main St. Bank Inc.
Megan Damron Richardson Exchange Bank (606) 526-2718 (800) 422-1090 702 W. Stockton
(336) 550-0678 fortknoxfcu.org 5377 Main St. Terry Spears (270) 651-7466
Malissa Shelton
bbt.com Louise Howerton ahometown ctbi.com Josh Devore
pebank.com bank.com southcentral
U.S. Bank CARROLLTON Fort Knox Federal bank.com
730 Main St. United Citizens Whitaker Bank Inc. Credit Union
Whitaker Bank Inc.
(502) 533-8770 Bank & Trust Co. 60 Irvine Road 312 Skywatch Drive
100 N. Main St.
Joe Wathen 503 Highland Drive (502) 942-0254 ELIZABETHTOWN
(859) 543-4000 (859) 543-4000
usbank.com (502) 732-6669 Bo Henry Michael JPMorgan
Bo Henry
Matthew Brent whitaker Richardson Chase Bank
whitaker
unitedcitizens bank.com fortknoxfcu.org 1200 N. Dixie
CALVERT CITY bank.com
bank.com Highway
CFSB U.S. Bank
U.S. Bank (502) 566-3671
456 Fifth Ave. CLINTON 111 S. Fourth St.
COVINGTON Becky McClennen
(270) 727-6125 416 Highland Ave. Clinton Bank (502) 533-8770
Fifth Third Bank chase.com
Jesse Clark (502) 533-8770 220 E. Clay St. Joe Wathen
107 Brent Spence
cfsbky.com Joe Wathen (270) 653-4001 usbank.com Citizens
usbank.com Square
Glenn Reid Union Bank
Heritage Bank USA (502) 562-5512
clinton 1830 N. Dixie
20 Oak Plaza Drive Patrick Farnan DAWSON SPRINGS
CAVE CITY bankky.com Highway
(270) 887-8405 53.com Planters Bank Inc.
BB&T (859) 361-8764
Cell (931) 206-6570 First Community 50 Oak Heights
102 Broadway St. Forcht Bank Christopher
Chip Knight Bank of the (270) 886-9030
(502) 562-5848 502 Madison Ave. Jackson
bankwith Heartland Barry Meade cubbank.com
heritage.com Megan Damron (859) 263-6552 plantersbank
114 E. Jackson St. Chris Robinson
(336) 550-0678 online.com Fort Knox Federal
(270) 653-4301 forchtbank.com
bbt.com Credit Union
CAMPBELLSBURG Josh Bailey U.S. Bank
South Central 1650 Ring Road
United Citizens fcbheartland.com Republic Bank 119 S. Main St.
Bank Inc. (502) 942-0254
Bank & Trust Co. & Trust Co. (502) 533-8770
518 N. Dixie Highway Michael
8198 Main St. 535 Madison Ave. Joe Wathen
CLOVERPORT Richardson
(502) 732-6669 (270) 651-7466 (502) 329-4510 usbank.com
Josh Devore Hancock Bank fortknoxfcu.org
Matthew Brent Cell (502) 802-8106
southcentral & Trust
unitedcitizens Kathy Pleasant Magnolia Bank Inc.
bank.com 102 W. Main St. EDGEWOOD
bank.com republicbank.com 651 W. Dixie Ave.
(270) 843-2285 Commonwealth
(270) 765-4072
Kelcey Rock Bank & Trust Co.
CENTRAL CITY Amanda Heady
CAMPBELLSVILLE hancockbank CYNTHIA 160 Barnwood Rd.
First Kentucky magnolia
Citizens Bank & online.com Fifth Third Bank (502) 259-2661
Bank Inc. bank.com
Trust Co. 1005 U.S. Highway Nate Evans
201 E. Main St. 109 N. Second St. 27 South cbandt.com Cecilian Bank
COLUMBIA
(270) 465-8193 (270) 251-4960 (502) 562-5512 1808 N. Dixie
Stacy Overby Community Trust First Financial
Roberta Cox Patrick Farnan Highway
firstkentucky.com Bank Inc. Bank
cbtky.com 53.com (270) 737-1593
1005 Jamestown St. 3580 Madison Pike
Old National Bank Tracie Oliver
Community Trust (800) 422-1090 Kentucky Bank (317) 237-1588
301 S. Second St. thececilian
Bank Inc. Terry Spears 939 U.S. 27 Jeff Magginnis bank.com
(859) 825-6097 ctbi.com
402 Campbellsville (859) 987-1795 (317) 360-7049
John Douglas WesBanco
Bypass Darren Henry Mark Schoettmer
(810) 522-1409 bankatfirst.com (270) 986-0919
(800) 422-1090 (859) 988-1352
Jeff Billig wesbanco.com/
Terry Spears Shawn King
oldnational.com borrow/business-
ctbi.com kybank.com loans
26You can also read
