SBA lending by metro area
SBA lenders in Ithaca, NY
Which lenders fund Ithaca-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 Ithaca area
Ranked by SBA volume funded to businesses located in the Ithaca 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 | 118 | $10.9M | $93K | 16.95% |
| 2 | Empire State Certified Development Corporation | 8 | $9.2M | $1.2M | not reported |
| 3 | Tompkins Community Bank | 53 | $5.6M | $106K | 0.00% |
| 4 | New York Business Development Corporation | 5 | $5.1M | $1.0M | not reported |
| 5 | KeyBank National Association | 10 | $4.0M | $396K | not reported |
| 6 | Chemung Canal Trust Company | 5 | $696K | $139K | not reported |
| 7 | Community Bank, National Association | 9 | $565K | $63K | 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 Ithaca compares
Median funded SBA loan and 504 share of loans, FY2010–2026.
| Median loan | 504 share | |
|---|---|---|
| Ithaca area | $80K ▼ 20.5% | 3.0% ▼ 3.2 pts |
| New York | $100K | 6.2% |
| United States | $179K | 11.2% |
What gets funded in Ithaca
| Industry | Loans | Total funded |
|---|---|---|
| Accommodation and Food Services | 67 | $27.7M |
| Manufacturing | 25 | $11.4M |
| Retail Trade | 48 | $10.1M |
| Construction | 36 | $8.0M |
| Other Services | 10 | $7.4M |
| Professional and Technical Services | 19 | $5.7M |
| Health Care and Social Assistance | 19 | $2.6M |
| Transportation and Warehousing | 5 | $2.5M |
SBA lending in Ithaca by year
Geography, precisely
"Ithaca area" here means the Ithaca, NY metropolitan statistical area as delineated by OMB (July 2023), which is exactly these counties: Tompkins 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.