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Commercial Real Estate


In 1904, Stock Yards Bank & Trust was founded to help local businesses with the resources and capital they needed to grow. Since then, Stock Yards Bank has worked with businesses across industries to expand and grow by providing the Commercial Real Estate they need. We provide the following:

Construction Loans

  • Closed-End Construction Draw Notes
  • Terms less than 2 to 3 years
  • Competitive Origination Fees (typically from 50bp to 100bp)
  • Maximum LTV of 80%
  • Joint and Several guaranty of owners

Construction to Mini-Permanent Loans

  • Closed-End Construction Draw Notes
  • Typically a one to two year draw period (normally, interest payments only) with 5 to 7 years total term
  • Floating rate pricing based on Prime that fixes after the interest-only period at a spread over an index
  • Competitive Origination Fees (from 25bp to 100bp)
  • Typically 15 to 25-year amortization
  • Maximum LTV of 80% and Debt Service Coverage Ratio (DSCR) of 1 .20x
  • Recourse to owners

Real Estate Investment Properties

  • Term loans for investment properties (office, retail, industrial, multi-family, hospitality)
  • Refinance or purchase
  • Typically terms and amortization not exceeding 5 and 20
  • Maximum LTV of 80% and Debt Service Coverage (DSCR) of 1.20x
  • Underwritten based on historical vacancy, quality of leases and rent-rolls
  • Recourse to owners

Tax Credit Project Financing

  • SYBT offers financing on Investment Properties that utilize Federal Historic, Low Income Housing, and New Market Tax Credits
  • In addition to being the lender, SYBT can also be the investor and purchase the tax credits
  • Loan terms may vary but are similar to conventional loan terms (some terms will change specific to tax credit terms)

Single Family and Commercial Development Loans

  • Draw note
  • Maximum LTV 80%
  • Maximum term of 3 years
  • Full Recourse