Stock Yards Bank & Trust Company
SBA 7(a) Lending Profile · FY 2021 analysis
Industry Focus
Top industries served by Stock Yards Bank & Trust Company
| NAICS | Industry | Loans | Volume | Avg Loan | Share |
|---|---|---|---|---|---|
| 722511 | Full-Service Restaurants | 192 | $87.1M | $453K | 7.7% |
| 722513 | Limited-Service Restaurants | 120 | $25.1M | $209K | 4.8% |
| 238990 | All Other Specialty Trade Contractors | 104 | $49.4M | $475K | 4.2% |
| 722410 | Drinking Places (Alcoholic Beverages) | 80 | $12.9M | $161K | 3.2% |
| 713940 | Fitness and Recreational Sports Centers | 72 | $51.4M | $714K | 2.9% |
| 621111 | Offices of Physicians (except Mental Health Specialists) | 72 | $44.2M | $614K | 2.9% |
| 238160 | Roofing Contractors | 64 | $21.7M | $338K | 2.6% |
| 238210 | Electrical Contractors | 56 | $26.7M | $477K | 2.2% |
| 811192 | Car Washes | 56 | $35.1M | $626K | 2.2% |
| 323111 | Commercial Gravure Printing | 56 | $16.6M | $296K | 2.2% |
Geographic Distribution
SBA lending activity for Stock Yards Bank & Trust Company by state
| State | Loans | Volume | Share |
|---|---|---|---|
| Kentucky (KY) | 1,464 | $900.9M | 58.5% |
| Indiana (IN) | 640 | $363.4M | 25.6% |
| Ohio (OH) | 344 | $212.8M | 13.7% |
| Connecticut (CT) | 8 | $13.0M | 0.3% |
| Florida (FL) | 8 | $8.9M | 0.3% |
| South Carolina (SC) | 16 | $4.0M | 0.6% |
| Illinois (IL) | 8 | $2.9M | 0.3% |
| California (CA) | 8 | $2.4M | 0.3% |
| Michigan (MI) | 8 | $845K | 0.3% |
Why Choose Stock Yards Bank & Trust Company?
Based on SBA 7(a) lending track record from 2020-2025
- ✓Proven Track Record: 2,504 SBA loans approved, totaling $1.51B in financing
- ✓Industry Expertise: Specialized focus on Full-Service Restaurants, Limited-Service Restaurants, All Other Specialty Trade Contractors
- ✓Competitive Terms: Average interest rate of 6.68% with flexible term lengths averaging 133 months
- ✓Loan Range: Loan sizes from $11K to $5.0M, with an average of $603K
- ✓Nationwide Reach: Active lending in 9 states, with strong presence in KY, IN, OH
Note: Approval and terms are subject to SBA and lender requirements. This profile is based on historical data and does not guarantee future lending decisions.
Frequently Asked Questions
Common questions about Stock Yards Bank & Trust Company SBA lending
What types of businesses does Stock Yards Bank & Trust Company typically finance?
Stock Yards Bank & Trust Company specializes in SBA 7(a) lending to specific industries including full-service restaurants, limited-service restaurants, all other specialty trade contractors, drinking places (alcoholic beverages). They have developed expertise in these sectors and understand the unique financial characteristics of each industry.
What are Stock Yards Bank & Trust Company's typical SBA loan terms?
Stock Yards Bank & Trust Company's SBA 7(a) loans typically feature an average interest rate of 6.68% and average term length of 133 months (approximately 11 years). Loan sizes range from $11K to $5.0M, with an average loan size of $603K.
Do I need a business valuation for a Stock Yards Bank & Trust Company SBA loan?
Yes, Stock Yards Bank & Trust Company typically requires a professional business valuation for SBA loans over $250,000 or for change-of-ownership transactions. A certified valuation helps establish the purchase price, loan amount, and ensures SBA compliance. The valuation typically costs $5,000-$15,000 depending on business complexity.
How does Stock Yards Bank & Trust Company compare to other SBA lenders?
Stock Yards Bank & Trust Company has originated 2,504 SBA loans totaling $1.51B since 2020. They distinguish themselves through industry specialization and expertise in their focus sectors. Compare their rates and terms with other lenders in our Commercial Lending Directory.
What states does Stock Yards Bank & Trust Company lend in?
Stock Yards Bank & Trust Company provides SBA 7(a) financing with particularly strong presence in KY, IN, OH, SC, MI. Based on their lending history, they have experience with diverse state-specific business regulations and licensing requirements.
Research Your Target Industry Before Applying
Before applying for SBA financing, research your industry's typical loan sizes, approval rates, and specialized lenders. Understanding industry-specific financing patterns can help you find the right lender and strengthen your application.
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