Stock Yards Bank & Trust (SBA lending)
At a Glance
The Kentucky incumbent with real published substance behind the meeting: uses that name the deal you are doing and terms most desks keep for the sheet. The rates stay unpublished, so the published-terms quote still rides along.
- Pricing
- Custom Pricing, Loan products; no fee to engage. The page publishes program substance rather than rates: 7(a) to $5 million with acquisition and partner buyout named among uses, repayment from 10 to 25 years, no prepayment penalties under fifteen-year terms, fixed terms with no balloon notes, and Express alongside. Our FOIA computation places it first in Kentucky's change-of-ownership top-five with 51 loans across the file's six years, ahead of Community Trust's 40 and Live Oak's 27 in the state.
- Best For
- Buyers in Kentucky, southern Indiana, or the Cincinnati metro who want the state's most active acquisition desk with a century of local footing
- Type
- Bank (lends directly)
- Footprint
- Kentucky offices plus the Indianapolis, Indiana and Cincinnati, Ohio metros, per its holding company's profile.
- Deal Size
- $500k to $5M.
- Searcher Practice
- A general SBA lending desk, branch-driven.
- Published Terms
- 7(a) to $5M naming acquisition and partner buyout; 10 to 25 years, no balloons, no prepayment penalty under fifteen-year terms.
- Roadmap Stages
- 2. Set Up & Fund the Search5. Diligence & Close the Deal
Pros and Cons
Pros
- Kentucky's leading change-of-ownership lender in our file, ahead of the national specialist inside the state
- Acquisition and partner buyout named among 7(a) uses, with the no-balloon and no-prepay-under-15 terms in writing
- A certified Preferred Lender, so delegated authority in its own words
- Offices across Kentucky plus the Indianapolis and Cincinnati metros, per its holding company's profile
Cons
- No published rates; the page stops at program terms
- A three-market footprint; a deal beyond Kentucky, Indianapolis, or Cincinnati is a different conversation
- Branch-relationship banking rather than a built-for-remote process
- No searcher-community footprint to weigh against its own claims
What Searchers Say
The program terms are its own page's; the footprint and history are its holding company's investor profile verbatim, established 1904 in Louisville with offices across Kentucky and the Indianapolis and Cincinnati metropolitan markets. Our FOIA computation independently places it first in Kentucky's change-of-ownership top-five across the file's six years.
How to Approach
Stock Yards Bank & Trust (SBA lending) is a bank, so this is how that kind of lender comes in, what it weighs, and how to arrive ready.
The Typical Arc
- A prequalification on you and the target, often from the first email.
- A full application and the bank's own underwrite of the deal.
- A term sheet, then closing on the SBA's timeline, commonly two to four months.
What It Weighs
- Whether the business's cash flow covers the debt with room to spare.
- Your experience relative to the business you are buying.
- Your equity injection and how clean the financials are.
How to Prepare
- Model the payment and coverage before you call. SBA Acquisition Calculator
- Underwrite the specific deal end to end. Underwrite a Deal
- Show where every dollar comes from and goes. Sources & Uses Builder
Put It to Work
Lender Match puts this lender beside the others, filtered by your deal.