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Geography · SBA lending record

SBA lenders in New York

15,274 SBA 7(a) loans in the last five years, from 233 different lenders. Here is who actually lends here.

Loans, last 5 years
15,274
Lent
$5.25B
last 5 fiscal years
Active lenders
233
wrote at least one loan
Typical loan
$133k
median approved
6.0%
nationally 5.7%

Who lends here most

last 5 fiscal years
Lender Loans in NYTypical loan Median rate
TD Bank, National Association3,114$50kP+3.79
Manufacturers and Traders Trust Company2,398$58kP+3.92
JPMorgan Chase Bank, National Association1,041$160kP+3.69
BayFirst National Bank732$150kP+4.22
Readycap Lending, LLC688$305kP+4.04
KeyBank National Association567$50kP+3.33
Newtek Bank, National Association464$200kP+3.50
Northeast Bank381$105kP+3.01
The Huntington National Bank364$350kP+2.57
Lendistry SBLC, LLC333$150kP+4.51

Volume is not quality — but a lender who does hundreds of deals in your state knows your market, and probably your industry too.

What gets funded here

by industry
Full-Service Restaurants
5%
Residential Remodelers
3%
Limited-Service Restaurants
3%
All Other Specialty Trade Contractors
2%
Beauty Salons
2%
Plumbing, Heating, and Air-Conditioning Contractors
2%
Everything else
85%

How big the loans are

Under $150k
61%
$150k – $350k
19%
$350k – $750k
10%
$750k – $2M
6%
Over $2M
4%

If your need sits in a band that barely exists here, widen your search to national lenders rather than assuming nobody will do it.

SBA 504 lending in New York

504 FOIA record

A 504 loan pairs a bank first mortgage with a fixed-rate second through a Certified Development Company — used mostly for owner-occupied property and heavy equipment. Here is who runs 504 deals in New York, and how they have performed.

504 loans since 2010
3,933
$3.8B in SBA seconds
Median project
$1.3M
bank first + 504 second
Default rate
3.4%
all 504 5.0%

CDCs most active in New York

Most-financed here: Offices of Physicians, Full-Service Restaurants, Offices of Lawyers, All Other Specialty Trade Contractors.

Match with a CDC for your project → How 504 works →

Next

Compare all lenders → Check your eligibility → Find your industry →

Source SBA 7(a) FOIA Released 2026-06-30 Basis where the project is, not where the bank is

SBA lending in other states

States with comparable volume, plus the three largest markets.