At a glance
From its website, read 2 Nov 2026Kentucky Highlands Investment Corporation is a loan fund based in London, Kentucky. Its website describes farm loans, equipment loans, microloans and 1 other loan type. Stated loan amounts run from $500 to $10M. Where it lends: 22-county Southeastern Kentucky region. The business loan rate it states is 1%. You can start an application online.
Each point is backed by a quote further down this page. Terms change: confirm with the lender.
How to reach them and apply
| Apply online | Page with the application link |
|---|---|
| Website | www.khic.org |
| Office (official list) | P.O. Box 1738, London, KY 40743 |
Phone numbers and addresses are the ones on the lender's own site and the CDFI Fund list. CDFI Atlas does not take applications.
Rates and terms they state
Read 2 Nov 2026| Loan | Stated | Text on the lender's site (verbatim) | Page |
|---|---|---|---|
| Agriculture / farm loans | Rate: 1% | Interest rate fixed at 1% | source |
As published on the lender's website on that date, not an offer or a quote. Your rate depends on the lender's review. A missing rate means the pages we read did not state one. For consumer loans we repeat a rate only when the lender states it as an APR (annual percentage rate, which includes fees); otherwise read the lender's own wording and ask for the APR.
Who qualifies, in their words
- Collateral required
Requires 1st lien position on collateral and personal guaranty of borrower(s)
source - Collateral flexible or not always required
rates are negotiable, terms are negotiable, collateral is negotiable
source
Only rules the lender's own pages state. Other requirements may apply.
Official record
CDFI Fund list, 21 Oct 2026| Institution type | Loan fund |
|---|---|
| Native CDFI | No |
| Date certified (as listed) | 12 Jul 2025 |
| RSSD ID | — (none listed) |
| Address | P.O. Box 1738, London, KY 40743 |
| Website | www.khic.org |
Head officeBranch or officeApproximate (ZIP code area)
Map data © OpenStreetMap contributors, © OpenMapTiles, tiles OpenFreeMap. Head-office points: U.S. Census Bureau geocoder.
Loans and eligibility
Verified from lender site on 2 Nov 2026Read from 7 pages of the lender's website on 2 Nov 2026. Quotes are verbatim. Extracted with AI help from the pages listed below and checked automatically against them. Not reviewed by a person. Confidence: high. The Advanced Business Solutions loan (up to $10 million, USDA-guaranteed) is listed on page 3 but is not separately categorized. Terms change — confirm with the lender before applying.
| Product | Amount stated | Text on the lender's site (verbatim, incl. menu labels) | Page |
|---|---|---|---|
| Agriculture / farm loans | up to $10,000 | Loans up to $10,000 | source |
| Equipment loans | — | The Kentucky Highlands Freight Enhancement Revolving Loan Fund was established to enhance the competitiveness and efficiency of the transportation industry in Southeastern KY. | source |
| Microloans | $500 – $50,000 | Loans from $500 up to $50,000 | source |
| Small-business loans | up to $250,000 | Loans up to: lesser of 75% of project cost or $250,000 | source |
Loan sizes
Loans from $500 up to $50,000
sourceLoans up to: lesser of 75% of project cost or $250,000
sourceFor projects up to $10 million
sourceLoans up to $10,000
source
Range used for the size filter: $500 to $10M
Service area
22-county Southeastern Kentucky region
This is a 22-county region comprised of Bell, Clay, Clinton, Cumberland, Estill, Harlan, Jackson, Knox, Laurel, Lee, Leslie, Letcher, Lincoln, Madison, McCreary, Owsley, Perry, Pulaski, Rockcastle, Russell, Wayne, and Whitley.
source
Borrower focus
- Farmers / ranchers
The goal is to finance, support, and educate growers to develop a strong local food system in Southeastern KY.
source
Languages
- No non-English service found on the pages we read.
Online application
Yes — the site links to an application. APPLY NOW
source
Pages read (7)
- https://khic.org/
- https://khic.org/soar-farm-loan-program-recipient-doubles-sales-each-year/
- https://khic.org/soar-small-farm-production-loan-helps-farmers-across-the-region/
- https://khic.org/loan-programs/
- https://khic.org/small-business-loans/
- https://khic.org/micro-enterprise-loans/
- https://khic.org/advanced-business-solutions-loans/
Questions to ask when you contact them
Based on what their website said when we read it on 2 Nov 2026, and what it left out. Something missing here does not mean they don't offer it: ask.
- How long can I take to repay?
No repayment terms are stated on their website. - Do you offer free coaching or help preparing my application?
CDFI certification requires development services, such as training or advice, alongside lending. - What documents will you need from me, and how long does a decision usually take?
Write down the answers, who you spoke to and the date, and ask for the terms in writing before you sign.
CDFI Fund awards
CDFI Fund database, 3 Nov 2026$26.6 million in 21 awards from the U.S. Treasury's CDFI Fund, 1996–2022 (4 programs).
| Round year | Program | Amount |
|---|---|---|
| 2022 | CDFI Equitable Recovery Program | $4,957,678 |
| 2022 | CDFI Program, Financial Assistance | $707,000 |
| 2021 | CDFI Program, Financial Assistance | $701,530 |
| 2021 | CDFI Rapid Response Program | $1,826,265 |
| 2020 | CDFI Program, Financial Assistance | $794,500 |
| 2019 | CDFI Program, Financial Assistance | $714,000 |
| 2018 | CDFI Program, Financial Assistance | $1,125,000 |
| 2017 | CDFI Program, Financial Assistance | $1,006,905 |
| 2017 | Capital Magnet Fund | $700,000 |
| 2015 | CDFI Program, Financial Assistance | $1,384,402 |
| 2014 | CDFI Program, Financial Assistance | $2,000,000 |
| 2013 | CDFI Program, Financial Assistance | $1,347,000 |
| 2012 | CDFI Program, Financial Assistance | $1,453,806 |
| 2011 | CDFI Program, Financial Assistance | $1,500,000 |
| 2010 | CDFI Program, Financial Assistance | $750,000 |
| 2009 | CDFI Program, Financial Assistance | $1,000,000 |
| 2008 | CDFI Program, Financial Assistance | $543,664 |
| 2005 | CDFI Program, Financial Assistance | $206,663 |
| 2000 | CDFI Program, Financial Assistance | $2,250,000 |
| 1999 | CDFI Program, Financial Assistance | $1,200,000 |
| 1996 | CDFI Program, Financial Assistance | $450,000 |
New Markets Tax Credit allocations
$32 million in 2 allocations. An NMTC allocation is the authority to offer investors federal tax credits for community investments; it is not cash paid to the lender and is not counted in the award total above.
| Round year | Program | Allocation |
|---|---|---|
| 2008 | New Markets Tax Credit allocation | $10,000,000 |
| 2005 | New Markets Tax Credit allocation | $22,000,000 |
These are awards and investments made to the institution itself to build its capital and capacity. They are not loans to borrowers, and an award does not mean the lender has money available for a particular loan today.
Source: CDFI Fund Searchable Awards Database, all 12,628 award records (1996–2025), read 3 Nov 2026. Years are the award round as the database lists it. Matched to the official CDFI list by exact name and state; see the method on the About page.
Size of the fund (IRS Form 990)
Fiscal year ending Mar 2023| Total assets | $134.6M |
|---|---|
| Total liabilities | $61.4M |
| Net assets | $73.2M |
| Total revenue | $8M |
| Program-related investments (Part X line 13) | $95.1M |
End-of-year figures from the Form 990 this organisation filed with the IRS for the fiscal year ending March 2023 (tax year 2022; EIN 61-0673339, filed as “KENTUCKY HIGHLANDS INVESTMENT CORPORATION”), taken from the IRS Annual Extract of Tax-Exempt Organization Financial Data (returns processed in 2024). Figures are self-reported to the IRS, not audited by us, and lag one to two years behind today. The lender’s own annual report may show newer numbers. This organisation’s filings on ProPublica Nonprofit Explorer
Filings over time
| Fiscal year ending | Total assets | Net assets | Revenue |
|---|---|---|---|
| Mar 2021 (990) | $130.6M | $68.8M | $7.2M |
| Mar 2022 (990) | $130.5M | $71.5M | $9.3M |
| Mar 2023 (990) | $134.6M | $73.2M | $8M |
Total assets grew 3% from Mar 2021 to Mar 2023. One row per fiscal year in the IRS extracts of returns processed in 2022, 2023, 2024; “—” = the line was empty or zero on that return (a fund can book its loans on other lines).
How it compares
Computed from public data| Measure | This lender | Compared with |
|---|---|---|
| Largest loan its website states | $10M | Other loan funds whose website states a maximum: median $250,000. Higher than the stated maximum of 95% of these 184. |
| Total assets, latest IRS Form 990 | $134.6M | Larger than 100% of the 9 other certified loan funds and venture funds in Kentucky with a matched Form 990 (median $27.5M). |
| Business loan rate its website stated (2 Nov 2026) | 1.00% | Prime rate that day: 7.00% (FRED DPRIME), so the lowest stated rate is 6 pts below prime. For an SBA 7(a) variable-rate loan the legal maximum is prime plus 3 to 6.5 points, by loan size. |
How these comparisons were worked out
| Measure | Peer group (this lender left out) | Peers | Where this lender sits |
|---|---|---|---|
| Largest stated loan | other loan funds stating a maximum, nationwide | 184 | higher than 95% |
| Form 990 total assets | certified loan and venture funds with a Form 990, in Kentucky | 9 | larger than 100% |
“Larger than X%” = the share of the peer group with a smaller value. Ranks count from the largest. Peer groups use the lender's home state when it has at least 5 peers, otherwise the whole country. Full definitions: methodology.
For comparison, not an offer and not a rating. Past records show what this lender did, not what you would be offered; your rate depends on the loan and on the lender's review. Peer groups and sources: methodology. Form 990 figures: IRS annual extracts (see the Form 990 section). Prime rate: FRED DPRIME.
Other certified CDFIs in London and Kentucky
- Catalytic Development Funding Corp. of Northern KentuckyLoan fund · Covington, KYCommercial real estate loans, Affordable housing development loansVerified
- Community Ventures Corporation, Inc.Loan fund · Lexington, KYSBA-backed loans (7(a)/504/Community Advantage), Small-business loansVerified
- Frontier Housing, Inc.Loan fund · Morehead, KYHome repair / improvement loans, Home mortgagesVerified
- Louisville Housing Opportunities and Micro-Enterprise Community Development Loan Fund, Inc., TheLoan fund · Louisville, KYSmall-dollar / emergency loans, Energy / solar / efficiency loans, Home repair / improvement loans, Small-business loansVerified
- Mountain Association for Community Economic Development, Inc.Loan fund · Berea, KYSmall-dollar / emergency loans, Energy / solar / efficiency loans, SBA-backed loans (7(a)/504/Community Advantage), Small-business loansVerified
- Park Community Credit UnionCredit union · Louisville, KYAuto / vehicle loans, Credit-builder loans, Home mortgages, Personal / consumer loansVerified
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