# Stock Yards Bank & Trust (SBA lending)

Kentucky's champion desk since 1904.

Kentucky's champion desk in the FOIA loan file, ahead of every rival in the state. It is a 1904 Louisville bank and certified Preferred Lender whose 7(a) page names financing an acquisition or partner buyout among uses, publishes the no-balloon and no-prepayment-under-fifteen-years terms, and reaches Indianapolis and Cincinnati beyond its Kentucky base.

- Category: SBA & Acquisition Lenders
- Pricing model: Custom Pricing
- Where it fits: Set Up & Fund the Search, Diligence & Close the Deal
- Website: https://www.syb.com/business/credit-loans-leasing/sba-loan-programs

## 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 The rates stay unpublished, so the published-terms quote still rides along.

## What It Costs

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. The FOIA loan file 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

## Pros and Cons

- Pro: Kentucky's leading [change-of-ownership](https://searchspheresource.com/glossary/change-of-ownership) lender in the FOIA loan file, ahead of the national specialist inside the state
- Pro: Acquisition and [partner buyout](https://searchspheresource.com/glossary/partner-buyout) named among [7(a)](https://searchspheresource.com/glossary/sba-7a) uses, with the no-balloon and no-prepay-under-15 terms in writing
- Pro: A certified [Preferred Lender](https://searchspheresource.com/glossary/preferred-lender-program), so delegated authority in its own words
- Pro: Offices across Kentucky plus the Indianapolis and Cincinnati metros, per its [holding company](https://searchspheresource.com/glossary/holdco)'s profile
- Con: No published rates; the page stops at program terms
- Con: A three-market footprint; a deal beyond Kentucky, Indianapolis, or Cincinnati is a different conversation
- Con: Branch-relationship banking rather than a built-for-remote process
- Con: No [searcher](https://searchspheresource.com/glossary/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. The FOIA loan file independently places it first in Kentucky's change-of-ownership top-five across the file's six years.

## Compared With

- Kentucky in writing, or Kentucky by relationship? (https://searchspheresource.com/resources/compare/stock-yards-bank-vs-community-trust-bank.md)

## Sources

- https://www.syb.com/business/credit-loans-leasing/sba-loan-programs
- https://stockyardsbancorp.q4ir.com/corporate-overview/corporate-profile/default.aspx
- https://searchspheresource.com/data/acquisition-lending

Also on this site: https://searchspheresource.com/resources/category/lender.md
Source: https://searchspheresource.com/resources/stock-yards-bank
Last checked: 2026-08-07

Site index for machines: https://searchspheresource.com/llms.txt