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 approval on record since 2020 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 | Loans since 2020 | 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% |
Borrower profile
- 36.1% of its recent SBA loans 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. 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.