Commerce Lexington, Lexington’s leading banks, and other financial institutions have teamed up to provide the Access Loan Program. The program partners with the Bluegrass Small Business Development Center to provide valuable technical assistance and expert feedback from those within the lending community to assist clients in assembling a business plan and improve their chance of success. The program is quickly approaching $20 million provided funding to small businesses since 2001.

Partners of the Access Loan Program include:

  • Toyota: Toyota Motor Manufacturing, Kentucky, Inc.
  • City National Bank
  • BB&T
  • Central Bank
  • Chase – J.P. Morgan
  • Community Ventures
  • Huntington Bank
  • Bank of the Bluegrass
  • Fifth Third Bank
  • Cumberland Valley National Bank
  • Community Trust Bank
  • Bank of Hindman
  • Republic Bank
  • Kentucky Bank
  • Limestone Bank
  • First State Bank
  • Park Community Credit Union
  • Field and Main
  • The City of Lexington
  • Town and Country
  • America’s Small Business Development Center: Kentucky
  • PNC
  • South Central Bank
  • U.S. Small Business Administration
  • Traditional Bank
  • US Bank
  • WesBanco


Procedures that must be completed are as follows:

  • Completion and return of full packet
  • All areas on checklist are to be met
  • A sub-committee meeting will be called and at that time it will be decided if proposal moves to the full committee
  • Client will present a 10-12 minute proposal to the full committee
  • Attending bankers will follow up with their decision to offer or refuse loan for proposal
  • Client will be contacted by bankers that have expressed interest in funding loan.
  • At that time, information will be given in regards to loan.
  • Once contacted, client is to then follow up with banker(s)
  • Commerce Lexington will follow up periodically with client and/or banker to check progress of loan
  • Loan is closed based on timetable set with banker and client

Access Loan Application

For more information on the Access Loan Program, please contact Tyrone Tyra at 859-226-1625