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Business Credit, Loans, & Leasing


Are you in need of capital to increase inventory, finance your receivables, or purchase equipment to grow your business? Regardless of your business need, Stock Yards Bank & Trust is here to help. We help businesses meet their credit needs with a wide selection of credit and lending services, such as:

  • Real Estate Loans (construction and permanent)

    No matter what commercial property you want to purchase, develop, build, or refinance, Stock Yards Bank has options for you and your business. We take a consultative approach and get to know you and your business to help determine the right loan package.

    • Borrow funds up to a predetermined amount to acquire land and to construct owner-occupied buildings or investment property.
    • Make interest-only payments on the outstanding balance until construction completion.
    • Convert your loan to a permanent term loan when construction is complete.
    • Specific terms and conditions tailored to fit the individual needs for your business or investor.
  • Working Capital Lines of Credit

    A great solution for short-term liquidity needs
    Many businesses experience cyclical cash flow and require funds for everyday business expenses, like inventory or payroll. A Working Capital Line of Credit can help bridge those gaps for your short-term operational needs.

  • Term Loans

    Every business is unique.  Term loans are a great option when you need to borrow money for a specific purpose to help your business grow, whether launching a new venture, expanding your current business, or investing in a one time, large purchase. Stock Yards Bank can help customize your loan and provide you with a one-time lump sum that you are able to repay on a predictable schedule.

  • SBA Loan Programs

    Stock Yards Bank & Trust is a certified Preferred Lender by the Small Business Administration (SBA). As a Preferred Lender, Stock Yards Bank & Trust has delegated authority to approve, close, service and liquidate most SBA guaranteed loans.  SBA financing offers new and existing businesses a variety of lending options through various SBA loan programs. 
    Let our professionals help you determine the financing package that is best for you.

    7(a) Loans 

    • $5,000,000 maximum loan amount
    • 75% to 85% guaranty (based on loan amount) 
    • Use of proceeds:
      • Expansion/Renovation
      • Purchase land or buildings
      • FF & E
      • Working capital

    For more information, visit the U.S. Small Business Administration Website 

  • Equipment Leasing

    When your business needs new or upgraded equipment, you need a flexible solution that meets your needs. Stock Yards Bank offers a range of equipment leasing options that enable you to purchase inventory, new equipment or invest in technology in order to help your business grow. We offer flexible term lengths and repayment options, all with the responsiveness and service that you expect from Stock Yards Bank. 

  • Letters of Credit

    Stock Yards Bank offers a variety of Letters of Credit including Import or Domestic, Export or Standby Letters of Credit.  Whatever your business needs, Stock Yards Bank is ready to help.

  • Acquisition Financing

    Purchasing a business can be one of the biggest decisions you will make in your professional life.  Let Stock Yards Bank’s team of experts help you navigate the financing options to support your business.  We offer a range of acquisition financing options including SBA 7(a) and 504 loans.

  • Tax Credit/New Market Tax Credit

    Let Stock Yards Bank’s experienced bankers help you evaluate and pursue New Market Tax Credit (NMTC) strategies for your business.  NMTC’s are primarily used to finance real estate, commercial, industrial or community facility projects and can provide you with an alternative and efficient means of financing your venture.

  • Correspondent Banking

    Stock Yards Bank & Trust is an independent, publicly-traded community bank with local management and over 100 years of service. Our deep roots in the region, along with the knowledge and understanding of the banking business, allow us to provide exceptional service to fellow banking companies and owners. Stock Yards Bank & Trust provides the following correspondent services:

    • Holding Company Credit
    • Retirement Plans
    • Investment Management
    • Loan Participation
    • International Services
    • Depository Services
    • Liquidity Lines


    For more information on Correspondent Banking please contact:

    • Louisville, Southern Indiana, and Central/Eastern Kentucky:  (502) 625-1774
    • Indianapolis:  (317) 238-2897
    • Cincinnati:  (513) 824-6197
    • Email us at:  CorrespondentBanking@syb.com
    • Our Call Center can be reached at:  (502) 582-2571 or (800) 625-9066

    Regulation F Compliance Information