Republic Bank & Trust Company
- Loans
- 18
- Approved
- $10M
- Median deal
- $390,200
- Median rate
- 8.10%
#112 of 249 by loans, FY2025 to FY2026 Q3
gross approvals
national $709,300
national 9.25% at approval
Loans per fiscal year
FY2026 is partial: 8 loans approved through June 30, 2026.
| Fiscal year | Loans |
|---|---|
| FY2020 | 2 |
| FY2021 | 5 |
| FY2022 | 3 |
| FY2023 | 8 |
| FY2024 | 8 |
| FY2025 | 10 |
| FY2026 (partial year, through June 30, 2026) | 8 |
How they lend
Across 18 change-of-ownership loans, FY2025 to FY2026 Q3.
Acquisition share of their 7(a) lending
Acquisitions 44 (13.4%)Other purposes 284 (86.6%)
Their full 7(a) book since FY2020 is 328 loans. Every other figure on this page counts the 44 acquisition loans only.
Initial rate structure
Variable 0.00%Fixed 100.00%
- Middle half of rates
- 7.75% to 8.44%
- Median term
- 120 months
- Collateral reported
- 100.00% of loans
- Sold on the secondary market
- 0.00% of loans
- Franchise loans
- 22.22% of loans
- Approval to first disbursement
- 17 days (n = 13)
Processing method
| Preferred Lenders Program | 100.00% |
SBA processing-method labels as they appear in the loan file, as shares of this lender’s window loans.
What they fund
Industries and deal sizes across 18 change-of-ownership loans, FY2025 to FY2026 Q3.
Top industries
| Construction | 16.67% | |
| Manufacturing | 16.67% | |
| Other Services (except Public Administration) | 16.67% | |
| Retail Trade | 16.67% | |
| Accommodation and Food Services | 11.11% |
Deal size mix
Under $350K 33.33%$350K to $1M 55.56%$1M to $3.5M 11.11%$3.5M+ 0.00%
Sectors from each loan’s NAICS code; deal sizes from gross approval amounts. Window loans only.
Republic Bank & Trust Company: SBA acquisition lending, answered
Does Republic Bank & Trust Company make SBA acquisition loans?
Yes. Republic Bank & Trust Company was approved for 44 SBA 7(a) change-of-ownership loans since FY2020, including 18 in FY2025 to FY2026 Q3. That ranks it #112 of 249 acquisition lenders by loan count in that window. Acquisitions are 13.4% of its 7(a) lending; the rest are startups, expansions, and working capital.
What interest rates does Republic Bank & Trust Company charge on SBA loans?
Across its FY2025 to FY2026 Q3 acquisition loans, the median rate at approval was 8.10%, against a national median of 9.25%. Half of them started between 7.75% and 8.44%. Most 7(a) loans float over Prime, so these are rates at approval, not what a borrower pays today.
How large are Republic Bank & Trust Company's SBA acquisition loans?
The median deal was $390,200, against a national median of $709,300. In total it has approved $10M in gross change-of-ownership loans over FY2025 to FY2026 Q3.
How fast does Republic Bank & Trust Company fund an SBA loan?
Across the 13 loans that report both dates, the median time from approval to first disbursement was 17 days. Actual timelines vary with the deal and the documentation.
What kinds of businesses does Republic Bank & Trust Company finance?
Its FY2025 to FY2026 Q3 acquisition loans concentrate in Construction and Manufacturing. 22.22% of its acquisition loans went to franchises. The full industry and deal-size mix is above.
Run a deal at these rates
The deal analyzer prices an acquisition with current SBA terms and shows whether the numbers cover the debt.
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Browse all lendersSource: SBA 7(a) FOIA file, change-of-ownership loans for Republic Bank & Trust Company. Window stats cover FY2025 to FY2026 Q3, as of June 30, 2026, and refresh with each quarterly cut. Rates and rate quartiles are the rates at approval. Website, headquarters, assets, founding year, and office count come from the FDIC BankFind Suite API and, for credit unions, the NCUA Credit Union Locator (public US government data). Methodology. See an error? Email us and we will correct it.