Republic Bank & Trust Company: SBA Lending Profile
Republic Bank & Trust Company is an FDIC-insured bank, headquartered in Louisville, KY. It is active in 6 states, concentrated around KY, TN, FL. Everything below comes from federal SBA loan records, not from the lender's marketing. This is what it has actually funded.
Loan sizes Republic Bank & Trust Company actually approves
The median SBA approval at Republic Bank & Trust Company is $254,500. The middle 80% of its loans fall between $51,100 and $1,040,620. The smallest funded approval in the available source window is $15,000 and the largest is $4,700,000. If the amount you need sits far outside that range, this is probably not the right first call, no matter what the website says.
Programs
| Program | Loans FY25-26 | Median size | Median rate | Median term |
|---|---|---|---|---|
| SBA 7(a) | 95 | $255K | 6.5% | 10 years |
| 504 first mortgage (third party) | 12 | $481K | n/a | 20 years |
Industries it funds most
| Industry | Funded loans in source data | Share |
|---|---|---|
| Offices of Physicians (except Mental Health Specialists) | 13 | 4.3% |
| Fitness and Recreational Sports Centers | 11 | 3.6% |
| Full-Service Restaurants | 11 | 3.6% |
| Plumbing, Heating, and Air-Conditioning Contractors | 9 | 3% |
| Commercial and Institutional Building Construction | 8 | 2.6% |
| General Freight Trucking, Local | 6 | 2% |
| Offices of Lawyers | 6 | 2% |
| Snack and Nonalcoholic Beverage Bars | 6 | 2% |
| Landscaping Services | 5 | 1.7% |
| Marketing Consulting Services | 5 | 1.7% |
| All Other Specialty Trade Contractors | 5 | 1.7% |
| Electrical Contractors and Other Wiring Installation Contractors | 5 | 1.7% |
How fast Republic Bank & Trust Company actually funds
Approval is not money in the bank. Across 278 loans where both dates are on record, the typical gap between SBA approval and first disbursement at Republic Bank & Trust Company is 14 days. Half its loans fund between 8 and 23 days. The typical SBA lender takes about 20 days, so this is roughly in line with the market.
Lending momentum
Republic Bank & Trust Company has held its SBA volume roughly steady from FY2023 to FY2025, a sign of a consistent, established program.
Funded approvals by SBA fiscal year (October to September). FY2026 is excluded because it is still in progress.
Conventional small business lending, beyond SBA
SBA loans are a fraction of most banks' small business lending. Under the Community Reinvestment Act, Republic Bank & Trust Company reported 4,201 small business loan originations in 2024, totaling $380M, at an average of about $91K per loan across 45 states. 10.9% of those loans went to businesses with under $1M in annual revenue.
Borrower profile
- 37.8% of its funded SBA records with known business age went to startups or businesses under two years old, which is high, most SBA lenders skew heavily toward established companies.
- Collateral was taken on 100% of its recent SBA loans.
- 32.1% of its SBA lending is revolving lines of credit rather than term loans.
- 64.6% of its loans carry fixed rates; the rest are variable.
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Sources and limits. Figures are derived from U.S. Small Business Administration 7(a) and 504 FOIA loan-level records (data as of 2026-06-30, retrieved 2026-08-08) and FDIC public institution data. Conventional small business lending figures from FFIEC CRA disclosure data (2024 activity year); CRA loan counts include business credit card originations at some institutions. Funding speed is the median gap between approval date and first disbursement date in SBA records. Some lenders report disbursement at month end, which can round the figure upward. They describe past lending activity only. They are not rate quotes, not current offers, and not an indication that any business will qualify. Lender programs and criteria change. Big Brain Funding is not affiliated with or endorsed by Republic Bank & Trust Company.