STRONG
How competitive are their spreads? Lower = better for you.
STRONG
Total SBA loans closed. More deals = more experience.
GOOD
How many industries do they lend in? More = flexible.
FAIR
States where they've done deals. Wider = easier if you're out of state.
Total SBA Loans
611
2010–2026
Total Volume
$232M
Gross loan amounts
States Active
17
With recorded loans
Programs
7(a) & 504
610 total segments
Republic Bank & Trust Company has a strong focus on existing businesses, with 55% of their deals supporting established companies. This makes them a solid choice for borrowers looking to expand or refinance an existing operation.
With an average 7(a) spread of P+0.87%, Republic Bank offers competitive pricing compared to the national median of P+2.75%. This lower cost can significantly benefit borrowers looking to minimize interest expenses.
The lender's growth trend shows a remarkable 48% year-over-year increase in deals, indicating strong demand and a robust lending capacity. This growth suggests that they are well-positioned to handle new applications effectively.
Quarterly SBA lending activity, last 5 years.
Estimated spreads based on real historical SBA lending data. Directional, not exact quotes. Excludes 90 504 loans, which use fixed SBA debenture rates.
Top 15 of 17 states where Republic Bank & Trust Company has recorded SBA lending activity.
+ 10 more states
Lending activity by industry cluster.
Top 8 of 15 industries by deal count
Restaurants & Food Service
Accommodation & Food Services
Manufacturing
Manufacturing
Specialty Trade Contractors
Construction
Physician & Dental Offices
Health Care & Social Assistance
Other Health Practitioners
Health Care & Social Assistance
Auto Repair & Maintenance
Other Services
Wholesale Trade
Wholesale Trade
Administrative & Waste Services
Administrative & Waste Services
+ 7 more
All recorded SBA lending activity for Republic Bank & Trust Company, grouped by state, industry, and deal size.
| Segment | Program | Deals↓ | Median Spread | Avg Size | Last Deal |
|---|---|---|---|---|---|
| Kentucky · Restaurants & Food Service · $150K – $350K | 7(a) | 21 | P+1.00% | $273K | Q4 2025 |
| Kentucky · Restaurants & Food Service · Under $150K | 7(a) | 16 | P+1.30% | $92K | Q1 2024 |
| Kentucky · Specialty Trade Contractors · Under $150K | 7(a) | 14 | P+1.38% | $77K | Q4 2025 |
| Kentucky · Physician & Dental Offices · Under $150K | 7(a) | 13 | P+0.95% | $88K | Q1 2025 |
| Kentucky · Manufacturing · $150K – $350K | 7(a) | 11 | P+1.25% | $303K | Q4 2025 |
| Kentucky · Administrative & Waste Services · Under $150K | 7(a) | 11 | P+1.20% | $85K | Q3 2025 |
| Kentucky · Manufacturing · $350K – $500K | 7(a) | 10 | P+0.68% | $457K | Q4 2025 |
| Kentucky · Transportation & Warehousing · Under $150K | 7(a) | 10 | P+1.18% | $95K | Q1 2021 |
| Kentucky · Specialty Trade Contractors · $150K – $350K | 7(a) | 10 | P+0.55% | $250K | Q4 2025 |
| Kentucky · Manufacturing · Under $150K | 7(a) | 10 | P+1.00% | $98K | Q3 2023 |
| Kentucky · Other Health Practitioners · $150K – $350K | 7(a) | 9 | P+0.75% | $238K | Q4 2025 |
| Kentucky · Other Health Practitioners · Under $150K | 7(a) | 8 | P+1.12% | $76K | Q3 2022 |
| Kentucky · Finance & Insurance · Under $150K | 7(a) | 7 | P+1.00% | $91K | Q2 2021 |
| Kentucky · Auto Repair & Maintenance · Under $150K | 7(a) | 7 | P+0.50% | $65K | Q3 2025 |
| Kentucky · Management & IT Consulting · Under $150K | 7(a) | 6 | P+1.25% | $108K | Q1 2025 |
| Kentucky · Other Repair & Services · $150K – $350K | 7(a) | 6 | P+-0.13% | $229K | Q2 2023 |
| Kentucky · Restaurants & Food Service · $150K – $350K | 504 | 5 | — | $261K | Q2 2024 |
| Kentucky · Auto Repair & Maintenance · $150K – $350K | 7(a) | 5 | P+1.44% | $316K | Q4 2024 |
| Kentucky · Retail Trade · Under $150K | 7(a) | 5 | P+0.90% | $70K | Q2 2024 |
| Kentucky · Administrative & Waste Services · $150K – $350K | 7(a) | 5 | P+0.50% | $259K | Q2 2022 |
| Tennessee · Physician & Dental Offices · $150K – $350K | 7(a) | 5 | P+1.00% | $265K | Q1 2023 |
| Kentucky · Arts, Entertainment & Recreation · Under $150K | 7(a) | 5 | P+0.50% | $73K | Q4 2023 |
| Kentucky · Building Construction · Under $150K | 7(a) | 5 | P+1.00% | $105K | Q2 2025 |
| Kentucky · Restaurants & Food Service · $500K – $1M | 7(a) | 5 | P+0.40% | $680K | Q3 2025 |
| Florida · Other Health Practitioners · Under $150K | 7(a) | 5 | P+0.75% | $60K | Q2 2025 |
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Real experiences from borrowers who closed SBA loans with Republic Bank & Trust Company.
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