Top SBA Lenders in New York

In the bustling business landscape of New York, where opportunities are as diverse as the city itself, Small Business Administration (SBA) loans are instrumental in fostering growth. Let’s explore the top SBA lenders in the state, each offering unique strengths and opportunities for local entrepreneurs:

New York’s Preferred SBA Lenders

RankBankBank HQ# of Loans Avg Loan Avg Interest
1TD BankWilmington, DE532 $101,620 9.4%
2M&TBuffalo, NY513 $149,260 8.5%
3KeyBankCleveland, OH141 $175,826 7.8%
4JPMorgan Chase BankColumbus, OH138 $232,972 7.0%
5BayFirst National BankSaint Petersburg, FL113 $210,817 9.0%
6Newtek Small Business FinanceLake Success, NY76 $620,928 8.1%
7FinWise BankSandy, UT68 $1,322,537 7.3%
8BancorpSouth BankTupelo, MS57 $284,035 7.8%
9Readycap Lending, LLCBerkeley Heights, NJ46 $307,957 7.9%
10Celtic BankSalt Lake City, UT41 $508,222 7.9%
11Wells FargoSioux Falls, SD31 $608,490 8.4%
12Live OakWilmington, NC30 $1,304,167 6.6%
13Dime Community BankBridgehampton, NY29 $865,241 7.6%
14Five Star BankWarsaw, NY29 $149,817 6.8%
15NewBankNew York City, NY28 $1,696,429 6.4%
16Genesee Regional BankRochester, NY27 $355,278 5.8%
17Bank of AmericaCharlotte, NC26 $607,538 3.4%
18ESL FCURochester, NY25 $80,176 6.3%
19Hanover Community BankMineola, NY19 $1,616,368 7.2%
20Northeast BankLewiston, ME17 $25,694 8.1%
21The Canandaigua National Bank and TrustCanandaigua, NY17 $433,724 5.7%
22The Huntington National BankColumbus, OH17 $366,606 7.0%
23Tompkins Community BankIthaca, NY17 $126,906 7.1%
24Berkshire BankPittsfield, MA16 $535,563 7.0%
25Brooklyn Cooperative FCUNew York City, NY15 $17,767 10.4%
26Chemung Canal Trust CompanyElmira, NY15 $82,833 5.3%
27Community BankCanton, NY15 $93,127 6.4%
28The Adirondack TrustSaratoga Springs, NY15 $108,300 6.2%
29Hanmi BankLos Angeles, CA14 $1,212,786 6.1%
30Harvest Small Business FinanceLaguna Hills, CA14 $1,067,286 7.9%
31United Midwest Savings BankDe Graff, OH14 $1,362,143 6.5%
32Cross River BankTeaneck, NJ12 $1,266,092 6.8%
33Five Star BankRancho Cordova, CA12 $330,917 6.8%
34NBT BankNorwich, NY12 $336,142 5.5%
35Glens Falls National Bank and TrustGlens Falls, NY11 $61,355 6.3%
36New Millennium BankFort Lee, NJ11 $1,091,773 5.4%
37New York Business DevelopmentAlbany, NY11 $860,909 7.8%
38Bank of HopeLos Angeles, CA10 $601,420 6.5%
39CitibankSioux Falls, SD10 $113,600 7.7%
40Santander BankWilmington, DE10 $138,380 9.4%

1. TD Bank

TD Bank, though headquartered in Delaware, maintains a strong presence in New York, providing 532 SBA loans. Focusing on accessibility through smaller loan amounts, businesses should be mindful of the higher average interest rate.

2. M&T

M&T, based in Buffalo, NY, stands as a significant player in the state’s SBA lending landscape with 513 loans. Known for a regional focus, M&T offers moderate-sized loans at a competitive interest rate.

3. KeyBank

KeyBank, with its roots in Cleveland, OH, extends its services to New York, offering 141 SBA loans. Striking a balance between accessibility and loan size, it caters to businesses with varying financial needs at a competitive interest rate.

4. JPMorgan Chase Bank

JPMorgan Chase Bank, with a regional focus, provides 138 SBA loans in New York. Businesses benefit from a moderate loan size averaging $232,972 and a competitive interest rate.

5. BayFirst National Bank

BayFirst National Bank, despite being based in Saint Petersburg, FL, actively participates in New York’s SBA lending landscape. Providing 113 loans, it stands as a reliable option for businesses seeking accessible financing with a moderate interest rate.

6. Newtek Small Business Finance

Newtek Small Business Finance, headquartered in Lake Success, NY, actively engages in the state’s business community. With 76 loans averaging $620,928, it provides a reliable option for businesses with substantial financing needs at a competitive interest rate.

7. FinWise Bank

FinWise Bank, based in Sandy, UT, extends its services to New York with 68 SBA loans. Focusing on high-value loans, it caters to businesses with substantial financing needs at a competitive interest rate.

8. BancorpSouth Bank

BancorpSouth Bank, though originating from Tupelo, MS, actively contributes to New York’s SBA lending landscape. Offering 57 loans averaging $284,035, it provides a balanced approach to loan quantity and size with a competitive interest rate.

9. Readycap Lending, LLC

Readycap Lending, based in Berkeley Heights, NJ, actively engages in New York’s SBA lending market. Offering 46 loans averaging $307,957, it provides a balanced approach to loan quantity and size with a competitive interest rate.

10. Celtic Bank

Celtic Bank, headquartered in Salt Lake City, UT, actively engages in New York’s SBA lending landscape. Offering 41 loans averaging $508,222, it provides a reliable option for businesses seeking accessible financing with a competitive interest rate.

New York businesses have a diverse array of SBA lending options, ranging from local players to nationally recognized banks. Entrepreneurs should carefully consider factors such as the lender’s regional focus, loan quantity, average loan amount, and interest rates to make informed decisions that align with their business objectives. Whether seeking smaller, more accessible loans or substantial financial support, these top SBA lenders offer valuable resources to navigate the dynamic business environment in the Empire State.

Top Industries for SBA loans in New York

RankIndustry# of Loans Avg Loan Avg Interest
1Full-Service Restaurants112 $439,193 7.9%
2Residential Remodelers75 $113,020 8.1%
3Limited-Service Restaurants72 $362,757 7.8%
4Landscaping Services45 $117,527 8.3%
5All Other Specialty Trade Contractors44 $245,352 8.0%
6Beauty Salons42 $153,436 9.1%
7Plumbing, Heating, and Air-Conditioning Contractors39 $294,767 7.6%
8Supermarkets and Other Grocery (except Convenience) Stores37 $709,984 7.7%
9Offices of Lawyers34 $394,409 7.5%
10Insurance Agencies and Brokerages32 $264,641 7.6%
11Electronic Shopping and Mail-Order Houses32 $174,063 7.4%
12Snack and Nonalcoholic Beverage Bars32 $305,413 8.7%
13General Automotive Repair31 $449,471 7.6%
14Electrical Contractors31 $171,545 8.0%
15Offices of Physicians (except Mental Health Specialists)28 $797,018 7.3%
16Fitness and Recreational Sports Centers26 $182,627 8.0%
17Hotels (except Casino Hotels) and Motels26 $3,050,108 6.4%
18All Other Personal Services25 $255,280 8.5%
19Janitorial Services25 $255,068 8.1%
20General Freight Trucking, Local25 $161,688 8.8%
21Marketing Consulting Services25 $161,792 8.3%
22Child Day Care Services24 $536,383 8.1%
23Other Miscellaneous Durable Goods Merchant Wholesalers23 $744,739 8.2%
24Other Personal Care Services23 $196,704 8.2%
25New Single-Family Housing Construction (except Operative Builders)22 $138,300 7.5%
26Pet Care (except Veterinary) Services22 $274,495 7.5%
27Offices of Real Estate Agents and Brokers21 $236,024 8.5%
28Electronic Shopping21 $160,690 9.2%
29All Other Professional, Scientific, and Technical Services21 $311,143 7.5%
30Advertising Agencies20 $367,435 7.7%
31General Freight Trucking, Long Distance, Truckload20 $423,520 7.9%
32Commercial and Institutional Building Construction19 $475,974 7.9%
33Administrative Management and General Management Consulting Services19 $99,737 9.1%
34Other Accounting Services18 $244,339 8.4%
35Other Miscellaneous Nondurable Goods Merchant Wholesalers17 $334,118 8.0%
36Caterers15 $415,807 8.8%
37Offices of Certified Public Accountants15 $140,593 7.9%
38Jewelry, Watch, Precious Stone, and Precious Metal Merchant Wholesaler15 $724,173 7.7%
39Offices of Dentists15 $519,473 4.9%
40Sports and Recreation Instruction14 $243,964 7.1%

Top SBA Loan Franchises in New York

RankFranchiseName# of Loans Avg Loan Avg Interest
1blink4 $67,500 11.1%
2Mosquito Shield4 $150,000 6.0%
3Comfort Inn4 $2,696,450 6.4%
4Salsarita’s Fresh Cantina4 $168,500 9.7%
5Quality Inn3 $4,366,667 4.9%
6Stretch Lab3 $221,000 6.0%
7Premier Martial Arts Studio3 $207,367 6.4%
8Motel 62 $2,607,000 6.8%
9YogaSix2 $194,500 6.0%
10The Learning Experience2 $501,000 6.8%
11Anytime Fitness2 $435,000 6.3%
12Hounds Town USA2 $425,000 6.1%
13Nothing Bundt Cakes2 $726,900 8.5%
14Premier Rental-Purchase2 $378,350 9.5%
15All Dry2 $150,000 6.3%
16Dale Carnegie2 $275,000 5.8%
17Restoration 12 $175,000 6.0%
18The UPS Store2 $275,700 7.1%
19Dogtopia2 $687,500 5.8%
20CertaPro Painters2 $269,350 9.3%
21Subway2 $252,500 7.1%
22Papa John’s2 $1,075,000 8.5%
23The Grounds Guys2 $150,000 6.8%

Top New York SBA Loan Borrowers by Jobs Supported

RankBusinessLocationIndustry Loan Size Interest Rate Jobs
1GREATER NEW YORK HC SERVICES LBrooklyn, NYOffices of All Other Miscellaneous Health Practitioners $2.5M – $5M 8.3%300
2ISLAND WIDE BUILDING SERVICESWest Babylon, NYJanitorial Services $500K – $1M 8.3%153
3TBSM ADVENTURE CORP.Dix Hills, NYAll Other Amusement and Recreation Industries $2.5M – $5M 8.3%153
4LUMOS INFRARED SAUNA STUDIO LVictor, NYAll Other Personal Services $250K or less 6.3%147
5MARCOR CONSTRUCTION INC.West Babylon, NYRoofing Contractors $500K – $1M 8.1%106
6MESIKIM INC.Monroe, NYEmployee Leasing Services $250K or less 11.5%100
7LEON INDUSTRIES LLCBuffalo, NYAll Other Rubber Product Manufacturing $1M – $2.5M 8.1%100
8COOPER FOODS INTERNATIONAL LLLong Island City, NYPoultry and Poultry Product Merchant Wholesalers $1M – $2.5M 8.0%100
9OPERATION CRAFT II LLCLong Island City, NYFull-Service Restaurants $2.5M – $5M 7.0%100
10NEW YORK HOME HEALTH CARE EQUIWestbury, NYHome Health Care Services $1M – $2.5M 6.0%91
11ANTHONY’S WINDOWS ON THE LAKERonkonkoma, NYCaterers $250K or less 10.0%90
12THE SERVICE MANUFACTURING GROUBuffalo, NYSheet Metal Work Manufacturing $250K – $500K 6.3%82
13IBF INCRochester, NYAll Other Amusement and Recreation Industries $250K or less 7.4%80
14JANUS SERVICES INC.Rochester, NYJanitorial Services $250K or less 4.5%80
15SALSARITA UNION INCBuffalo, NYLimited-Service Restaurants $250K – $500K 9.4%80
16OLIVIA’S COOKIES LLCLevittown, NYLimited-Service Restaurants $500K – $1M 9.0%77
17D & C FAMILY II CORPFlushing, NYSnack and Nonalcoholic Beverage Bars $2.5M – $5M 4.5%75
18DORIA INCJamaica, NYOther Building Equipment Contractors $1M – $2.5M 8.6%74
19ROY H TURNBULL INCBatavia, NYPlumbing, Heating, and Air-Conditioning Contractors $250K – $500K 5.1%68
20SHEEL HOLDINGS CORPORATIONWest Hempstead, NYIndustrial Machinery and Equipment Merchant Wholesalers $1M – $2.5M 6.0%62
21BKBM MYRTLE LLCBrooklyn, NYPet Care (except Veterinary) Services $250K or less 5.5%60
22DWS ASSOCIATES INC.Deer Park, NYCommercial Gravure Printing $250K – $500K 5.5%60
23SALSARITA TRANSIT INCBuffalo, NYLimited-Service Restaurants $250K or less 10.0%58
24742 LOGISTICS INC.New York, NYCouriers $1M – $2.5M 5.8%58
25LAKELANDS CONCRETE PRODUCTS ILima, NYOther Concrete Product Manufacturing $2.5M – $5M 8.3%58
26HARBRO BANQUETS LLCWest Seneca, NYCaterers $500K – $1M 10.5%56
27MOMENTUM BEHAVIOR CARE LICENSESpring Valley, NYAll Other Miscellaneous Schools and Instruction $1M – $2.5M 7.5%54
28WINNER BK LLCBrooklyn, NYLimited-Service Restaurants $250K – $500K 5.9%53
29NYC OF PIERMONT LLCPiermont, NYFull-Service Restaurants $500K – $1M 7.5%53
30MONROE PIPING & SHEET METAL LRochester, NYLessors of Residential Buildingsv and Dwellings $500K – $1M 4.8%52
31WOW FOODS LLCFarmingdale, NYLimited-Service Restaurants $1M – $2.5M 4.7%52
32ROSIE’S ICE CREAM LLCBuffalo, NYSnack and Nonalcoholic Beverage Bars $250K or less 9.0%50
33APTITUDE 8 INC.New York, NYAll Other Professional, Scientific, and Technical Services $250K – $500K 5.1%50
34J & G GROCERIES LLCRochester, NYSupermarkets and Other Grocery (except Convenience) Stores $250K – $500K 4.3%50
35JERSEY MIKE’S SUBSRochester, NYLimited-Service Restaurants $500K – $1M 5.5%50
36MOMENTUM BEHAVIOR CARE LICENSEPomona, NYAll Other Miscellaneous Schools and Instruction $500K – $1M 5.5%50
37TLC PHYSICAL THERAPYStaten Island, NYOffices of Physical, Occupational and Speech Therapists, and Audiologi $1M – $2.5M 6.3%50
38A CHILD’S PLACE TOO INC.East Elmhurst, NYLessors of Nonresidential Buildings (except Miniwarehouses) $2.5M – $5M 5.3%50
39CONOLLY PRINTING & MEDIA GROUPRochester, NYCommercial Gravure Printing $250K or less 5.3%48
40FUTURE FACES CHILD CARE – LEARJohnson City, NYChild Day Care Services $250K – $500K 7.5%48
41IMCO INC.Spencerport, NYAll Other Plastics Product Manufacturing $500K – $1M 9.3%48
42TLC DIAGNOSTICSEast Rockaway, NYAll Other Professional, Scientific, and Technical Services $500K – $1M 9.3%48
43DAILY SAW ACQUISITION COMPANYSchenectady, NYComputer Systems Design Services $1M – $2.5M 6.1%48
4411TH STREET RESTAURANT LLCNew York, NYFull-Service Restaurants $2.5M – $5M 5.9%48
45MAIN STREET NATURAL FOODS LLCSayville, NYSupermarkets and Other Grocery (except Convenience) Stores $1M – $2.5M 9.8%47
46PAIR GAIN COMMUNICATIONS INCCicero, NYElectrical Contractors $1M – $2.5M 8.0%47
47FMO MEDIA LLCPatchogue, NYWholesale Trade Agents and Brokers $500K – $1M 8.5%46
48CHOCOLATE DECOR INC.Washingtonville, NYAll Other Specialty Food Stores $1M – $2.5M 5.5%46
49METN LLCTrumansburg, NYSupermarkets and Other Grocery (except Convenience) Stores $1M – $2.5M 11.3%46
50LIGHTING MANAGEMENT INC.Valley Cottage, NYElectrical Apparatus and Equipment, Wiring Supplies, and Related Equip $2.5M – $5M 6.0%46
51LOGICAL OPERATIONS PRESSRochester, NYComputer Training $2.5M – $5M 9.5%46
525011 HOLDINGS LLCBrooklyn, NYBaked Goods Stores $1M – $2.5M 3.0%45
53V & J AUTO BODY INCLindenhurst, NYAutomotive Body, Paint, and Interior Repair and Maintenance $2.5M – $5M 5.5%44
54E&P HOLDINGS 1 LLCPlainview, NYAll Other Miscellaneous Fabricated Metal Product Manufacturing $250K or less 7.5%43
55E&P HOLDINGS I LLCPlainview, NYAll Other Miscellaneous Manufacturing $250K or less 10.8%43
56OC CONSTRUCTION MANAGEMENTNew York, NYCommercial and Institutional Building Construction $2.5M – $5M 6.8%41
57THE TABLE AT REDEYE INCNew York, NYFull-Service Restaurants $250K or less 12.0%40
58CLEVERMAN INC.Bellmore, NYAdvertising Agencies $250K or less 9.0%40
59RTG ASSOCIATES INCSpring Valley, NYVocational Rehabilitation Services $250K or less 7.0%40
60JASON WATT PICTURES LLCBrooklyn, NYMotion Picture and Video Production $250K or less 7.8%40
61HEARD CREATIVE CORPORATIONWebster, NYAdvertising Agencies $250K or less 4.5%40
62CJT VAIL LLCFairport, NYGolf Courses and Country Clubs $250K – $500K 7.8%40
63IYH DEALS INC.Monroe, NYSupermarkets and Other Grocery (except Convenience) Stores $250K – $500K 5.8%40
64ALL THESE CAKES 4 YOU LLCPort Chester, NYRetail Bakeries $500K – $1M 8.8%40
65ARAS3 S CORP.Syosset, NYFull-Service Restaurants $500K – $1M 8.5%40
66JV FAST CONSTRUCTION LLCElmont, NYSite Preparation Contractors $1M – $2.5M 6.0%40
67WARAICH GROUP SYRACUSE LLCSyracuse, NYHotels (except Casino Hotels) and Motels $1M – $2.5M 5.6%40
68UNITE MILLENNIUM LLCSyosset, NYAdvertising Agencies $1M – $2.5M 6.3%40
69SENECA VALLEY PROPERTIES LLCIthaca, NYHotels (except Casino Hotels) and Motels $2.5M – $5M 5.0%40
70MOMOYA 4 INCNew York, NYLimited-Service Restaurants $250K – $500K 8.5%39
71NY AM&K 1990 INCNew York, NYLimited-Service Restaurants $1M – $2.5M 6.0%39
72GSH WESTERN LLCAlbany, NYFull-Service Restaurants $1M – $2.5M 7.5%39
73BOWER INDUSTRIES INC.East Syracuse, NYSheet Metal Work Manufacturing $500K – $1M 5.6%38
74DOGTOPIA OF LATHAMLatham, NYPet Care (except Veterinary) Services $1M – $2.5M 6.0%38
75SIMPLY CREPES AT BAY ROAD LLCWebster, NYFull-Service Restaurants $500K – $1M 7.5%37
76ORCHARD PARK TKD LLCOrchard Park, NYSports and Recreation Instruction $250K or less 7.3%36
77BDH LANDSCAPING CORPBohemia, NYLandscaping Services $250K – $500K 4.3%36
78CORFU VETERINARY CLINIC P.C.Corfu, NYVeterinary Services $1M – $2.5M 5.4%36
79WRIGHT’S TIMBER FELLINGKent, NYAll Other Specialty Trade Contractors $250K or less 8.3%35
80GAVIA LIFECARE CENTER LLCRochester, NYOutpatient Mental Health and Substance Abuse Centers $250K or less 6.3%35
81FILE GUMBO BARNew York, NYFull-Service Restaurants $250K or less 6.0%35
82JC PROTECTION LLCStaten Island, NYSecurity Guards and Patrol Services $250K or less 7.8%35
83FIRST LINE BREWING LLCHamburg, NYBreweries $250K or less 7.2%35
84BROADWAY ENERGY INTERNATIONALHicksville, NYOther Scientific and Technical Consulting Services $250K or less 8.3%35
85GREATEST CORP.East Setauket, NY $500K – $1M 6.9%35
86GREATEST CORP.Port Jefferson Station, NY $500K – $1M 6.9%35
87GREATEST CORP.Wading River, NY $500K – $1M 6.9%35
88EUROPEAN WAX CENTERNew York, NYOther Personal Care Services $1M – $2.5M 6.0%35
89CATHERINE’S CLEANING LLCWater Mill, NYAll Other Personal Services $1M – $2.5M 5.3%35
90DAJA1 CORP.Tuckahoe, NYFull-Service Restaurants $1M – $2.5M 8.5%35
91BRIGHT AND BUSY DAYCARE INC.Astoria, NYChild Day Care Services $250K or less 8.0%34
921043 LIC HOLDINGS LLCLong Island City, NYFull-Service Restaurants $1M – $2.5M 4.8%34
93289 W MAIN PROPERTY CORPGoshen, NYCar Washes $2.5M – $5M 4.3%34
94NAZS HALAL FOOD CORPHicksville, NYFull-Service Restaurants $250K or less 8.5%33
95ERASE SPA INC.New York, NYOther Personal Care Services $250K or less 8.5%33
96KPM RESTORATION INC.Mechanicville, NYOther Services to Buildings and Dwellings $250K or less 4.3%33
97ELEGRAN LLCNew York, NYOffices of Real Estate Agents and Brokers $1M – $2.5M 8.3%33
98BAB TAP THAT LLCTonawanda, NYBreweries $250K or less 10.0%32
99LUMBERYARD REALTY LLCPerry, NYFull-Service Restaurants $250K or less 7.5%32
100HIDDEN OWL LLCNew York, NYFull-Service Restaurants $250K or less 11.9%32

Note about SBA lenders near me in New York

When it comes to top New York SBA lenders, it’s a common inquiry whether any of the listed banks are 1) included in the New York preferred lender list, 2) approved lenders in New York, or 3) active participants in the New York SBA Express lending program. These queries center around the ability of a given SBA bank to facilitate small business SBA loans in New York swiftly. The answer is an unequivocal yes. These aren’t your run-of-the-mill banks making only a handful of SBA loans annually; these are institutions well-versed in the intricacies of the SBA 7(a) loan program. They stand out as the top performers in New York, as evidenced by our thorough analysis of thousands of SBA loans each year, leading us to rank lenders based on recent activity.

It’s crucial to note that while some banks may limit their lending to specific regions, there exist a select few highly assertive nationwide SBA lenders that operate nationally. These lenders possess a profound understanding of the SBA program and execute transactions with remarkable speed. Therefore, we advise against restricting your search solely to your home state. Our lender match tool proves invaluable in this regard. By utilizing it, we can identify suitable SBA banks tailored to your specific needs, be it geography, industry, company size, all at no cost or obligation to you. This service aims to save you valuable time and ensure a seamless SBA loan process.