SBA lending by metro area
SBA lenders in Cortland, NY
Which lenders fund Cortland-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 Cortland area
Ranked by SBA volume funded to businesses located in the Cortland micropolitan 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 | NBT Bank, National Association | 17 | $3.4M | $199K | not reported |
| 2 | Empire State Certified Development Corporation | 7 | $1.9M | $265K | not reported |
| 3 | Manufacturers and Traders Trust Company | 18 | $1.7M | $93K | not reported |
| 4 | KeyBank National Association | 22 | $1.5M | $70K | 0.00% |
| 5 | Tompkins Community Bank | 11 | $1.3M | $118K | not reported |
SBA 7(a) and 504 loans, FY2010–2026, as of 2026-03-31, from the SBA's public record.
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How Cortland compares
Median funded SBA loan and 504 share of loans, FY2010–2026.
| Median loan | 504 share | |
|---|---|---|
| Cortland area | $95K ▼ 5.0% | 6.7% |
| New York | $100K | 6.2% |
| United States | $179K | 11.2% |
What gets funded in Cortland
| Industry | Loans | Total funded |
|---|---|---|
| Accommodation and Food Services | 31 | $13.9M |
| Retail Trade | 10 | $6.4M |
| Manufacturing | 13 | $4.8M |
| Wholesale Trade | 7 | $4.7M |
| Administrative and Support | 8 | $1.0M |
| Construction | 13 | $578K |
| Other Services | 7 | $417K |
| Professional and Technical Services | 5 | $255K |
SBA lending in Cortland by year
Geography, precisely
"Cortland area" here means the Cortland, NY micropolitan statistical area as delineated by OMB (July 2023), which is exactly these counties: Cortland 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.