SBA lending by metro area
SBA lenders in Kingston, NY
Which lenders fund Kingston-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 Kingston area
Ranked by SBA volume funded to businesses located in the Kingston 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 | Empire State Certified Development Corporation | 64 | $54.4M | $850K | not reported |
| 2 | New York Business Development Corporation | 14 | $9.3M | $664K | not reported |
| 3 | Manufacturers and Traders Trust Company | 155 | $8.8M | $57K | 4.52% |
| 4 | Celtic Bank Corporation | 5 | $8.0M | $1.6M | not reported |
| 5 | Newtek Small Business Finance, Inc. | 10 | $7.5M | $753K | not reported |
| 6 | Wells Fargo Bank National Association | 13 | $5.4M | $415K | not reported |
| 7 | KeyBank National Association | 21 | $5.2M | $246K | 0.00% |
| 8 | Live Oak Banking Company | 6 | $4.2M | $703K | not reported |
| 9 | Empire State Bank | 10 | $2.4M | $244K | not reported |
| 10 | TD Bank, National Association | 11 | $2.0M | $181K | 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 Kingston compares
Median funded SBA loan and 504 share of loans, FY2010–2026.
| Median loan | 504 share | |
|---|---|---|
| Kingston area | $100K | 12.8% ▲ 6.6 pts |
| New York | $100K | 6.2% |
| United States | $179K | 11.2% |
What gets funded in Kingston
| Industry | Loans | Total funded |
|---|---|---|
| Retail Trade | 76 | $39.9M |
| Manufacturing | 62 | $37.1M |
| Accommodation and Food Services | 70 | $36.0M |
| Other Services | 42 | $15.0M |
| Professional and Technical Services | 41 | $12.4M |
| Wholesale Trade | 22 | $11.5M |
| Construction | 64 | $11.3M |
| Health Care and Social Assistance | 27 | $9.9M |
SBA lending in Kingston by year
Geography, precisely
"Kingston area" here means the Kingston, NY metropolitan statistical area as delineated by OMB (July 2023), which is exactly these counties: Ulster 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.