Republic Bank & Trust Company
Headquartered in LOUISVILLE, KY. Analysis based on 300 SBA 7(a) loans approved between FY2020 and 2025-12-31, totaling $127.1M.
Total 7(a) loans
300
Total approved
$127.1M
Average loan
$424K
States funded in
6
Charge-off rate
0.00%
FY2020–FY2023 cohort
Paid-in-full rate
40.10%
Average rate
6.31%
Average term
112 mo
Top 10 industries financed
| NAICS | Industry | Loans |
|---|---|---|
| 621111 | Offices of Physicians (except Mental Health Specialists) | 14 |
| 722511 | Full-Service Restaurants | 11 |
| 238220 | Plumbing, Heating, and Air-Conditioning Contractors | 9 |
| 236220 | Commercial and Institutional Building Construction | 8 |
| 713940 | Fitness and Recreational Sports Centers | 8 |
| 541110 | Offices of Lawyers | 7 |
| 484110 | General Freight Trucking, Local | 7 |
| 624410 | Child Day Care Services | 7 |
| 562991 | Septic Tank and Related Services | 6 |
| 311811 | Retail Bakeries | 6 |
Top 10 states
| State | Loans |
|---|---|
| KY | 200 |
| FL | 41 |
| TN | 31 |
| OH | 20 |
| IN | 7 |
| LA | 1 |
Top franchise brands financed
42 franchise loans across 28 distinct brands.
| Franchise | Loans |
|---|---|
| Crumbl | 4 |
| Monster Tree Service | 3 |
| Subway | 3 |
| Wild Birds Unlimited | 2 |
| The Exercise Coach | 2 |
| Perspire Sauna Studio | 2 |
| Cinnabon | 2 |
| Hotworx | 2 |
| Ram Jack Foundation Solutions | 2 |
| Jet's Pizza | 2 |
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Data source & methodology
All figures computed from the SBA Office of Capital Access FOIA dataset (7(a) loans, FY2020–present, as of 2025-12-31). Charge-off and paid-in-full rates are calculated on the FY2020–FY2023 cohort only, so loans have had time to mature. Charge-off rank covers lenders with ≥500 mature loans.