Business and Commercial Loans

At UCB, we understand how important it is to keep businesses alive in our local communities. These businesses are not only an important part of our customer base, but they also provide convenience and job opportunities for all the people who live in our communities.

UCB works hard to meet the needs of the small business by offering a wide range of loans.

Apply Now


With our loans you can:

  • Purchase Buildings
  • Purchase Equipment
  • Increase Working Capital
  • Open Lines of Credit
  • Access a Small Business Association (SBA) Lender

Whether you wish to start a new business or expand an existing one, UCB can help you achieve your goals with a financing plan that works for you.

Planning to expand or launch a new business? UCB commercial loans may be just what you need.

  • Commercial Real Estate
  • Working Capital
  • Inventory/Equipment
  • Accounts Receivable
  • Lines of Credit

All United Cumberland Bank loans Subject to credit approval.

We're here to help, if you have questions about applying for a loan, please call us in KY: McCreary County at 606-376-5031 or Pulaski County 606-492-1800, in TN: Scott County 423-569-6313 or Campbell County 423-562-5151.


Small Business Administration Loans

Take the opportunity to learn about how SBA financing through UCB can help start or grow your business!

SBA loans can be used to support your working capital needs, debt refinance, purchase of land or buildings – really anything to support the day to day operations of a small business. The terms are designed so there is never a call-note or balloon payment and are guaranteed by the SBA up to $5 million.

Call your local branch and ask for a UCB Commercial Lender for smart solutions and options!

UCB is an authorized SBA (Small Business Administration) lender for loans up to $5,000,000 and is also an SBA delegated lender for loans up to $350,000. No SBA guarantee fees on all loans up to $150,000. No SBA guarantee fees on veteran loans up to $350,000. UCB loans subject to credit approval.

Paycheck Protection Program

U.S. Small Business Administration Starts New Round of PPP Loans

UCB stands ready to assist our customers and any other business that needs assistance offer through the PPP loan program.  Please use the link below to get started. Contact us at 606-376-5031 with any questions and our experience team will walk you through the process from beginning to end.