SBA lending by metro area
SBA lenders in Buffalo, NY
Which lenders fund Buffalo-area businesses, how much, and how the market compares with New York: SBA 7(a) and 504 loans, FY2010–2026.
By Mario Bailey · SBA FOIA data as of 2026-03-31
Top SBA lenders in the Buffalo area
Ranked by SBA volume funded to businesses located in the Buffalo metropolitan area, wherever the lender is headquartered. National SBA lenders that fund here are included.
| # | Lender | Loans | Total funded | Average loan | 7(a) charge-off |
|---|---|---|---|---|---|
| 1 | Manufacturers and Traders Trust Company | 1,865 | $264.2M | $142K | 4.83% |
| 2 | Empire State Certified Development Corporation | 260 | $160.4M | $617K | not reported |
| 3 | KeyBank National Association | 784 | $147.2M | $188K | 2.42% |
| 4 | NBT Bank, National Association | 427 | $96.1M | $225K | 3.75% |
| 5 | Five Star Bank | 222 | $38.7M | $174K | 3.15% |
| 6 | Northwest Bank | 199 | $31.2M | $157K | 0.50% |
| 7 | Live Oak Banking Company | 34 | $27.4M | $806K | 0.00% |
| 8 | CNB Bank | 97 | $27.4M | $282K | 3.09% |
| 9 | New York Business Development Corporation | 30 | $17.1M | $571K | 16.67% |
| 10 | Wells Fargo Bank National Association | 31 | $16.5M | $532K | 3.23% |
SBA 7(a) and 504 loans, FY2010–2026, as of 2026-03-31, from the SBA's public record.
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How Buffalo compares
Median funded SBA loan and 504 share of loans, FY2010–2026.
| Median loan | 504 share | |
|---|---|---|
| Buffalo area | $85K ▼ 15.0% | 5.7% ▼ 0.5 pts |
| New York | $100K | 6.2% |
| United States | $179K | 11.2% |
What gets funded in Buffalo
| Industry | Loans | Total funded |
|---|---|---|
| Accommodation and Food Services | 663 | $205.2M |
| Manufacturing | 440 | $137.8M |
| Retail Trade | 586 | $117.3M |
| Health Care and Social Assistance | 388 | $99.9M |
| Construction | 532 | $98.8M |
| Professional and Technical Services | 370 | $86.7M |
| Other Services | 457 | $82.9M |
| Wholesale Trade | 178 | $56.5M |
SBA lending in Buffalo by year
Geography, precisely
"Buffalo area" here means the Buffalo-Cheektowaga, NY metropolitan statistical area as delineated by OMB (July 2023), which is exactly these counties: Erie County, NY; Niagara County, NY. Loans are placed by the SBA's recorded project county, which can differ from a borrower's mailing address. Counts are SBA 7(a) and 504 funded loans, FY2010–2026, as of 2026-03-31. See the methodology.