Stock Yards Bank & Trust Company: SBA Lending Profile
Stock Yards Bank & Trust Company is an FDIC-insured bank, headquartered in Louisville, KY. It is active in 10 states, concentrated around KY, IN, OH. Everything below comes from federal SBA loan records, not from the lender's marketing. This is what it has actually funded.
Loan sizes Stock Yards Bank & Trust Company actually approves
The median SBA approval at Stock Yards Bank & Trust Company is $300,000. The middle 80% of its loans fall between $50,000 and $1,542,340. The smallest funded approval in the available source window is $10,500 and the largest is $5,000,000. 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) | 110 | $300K | 7.25% | 10 years |
| 504 first mortgage (third party) | 6 | $580K | n/a | 20 years |
Industries it funds most
| Industry | Funded loans in source data | Share |
|---|---|---|
| Full-Service Restaurants | 26 | 7.6% |
| Limited-Service Restaurants | 17 | 5% |
| All Other Specialty Trade Contractors | 14 | 4.1% |
| Drinking Places (Alcoholic Beverages) | 9 | 2.6% |
| Offices of Physicians (except Mental Health Specialists) | 8 | 2.3% |
| Roofing Contractors | 8 | 2.3% |
| Snack and Nonalcoholic Beverage Bars | 7 | 2% |
| Commercial Screen Printing | 7 | 2% |
| Commercial Printing (except Screen and Books) | 7 | 2% |
| Plumbing, Heating, and Air-Conditioning Contractors | 7 | 2% |
| Car Washes | 7 | 2% |
| Fitness and Recreational Sports Centers | 6 | 1.8% |
How fast Stock Yards Bank & Trust Company actually funds
Approval is not money in the bank. Across 327 loans where both dates are on record, the typical gap between SBA approval and first disbursement at Stock Yards Bank & Trust Company is 19 days. Half its loans fund between 10 and 41 days. The typical SBA lender takes about 20 days, so this is roughly in line with the market.
Lending momentum
Stock Yards 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.
Borrower profile
- 36.1% 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 95.3% of its recent SBA loans.
- 28.7% of its SBA lending is revolving lines of credit rather than term loans.
- 32.2% 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. 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 Stock Yards Bank & Trust Company.