SBA lending by metro area
SBA lenders in Kiryas Joel, NY
Which lenders fund Kiryas Joel-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 Kiryas Joel area
Ranked by SBA volume funded to businesses located in the Kiryas Joel 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 | 200 | $160.4M | $802K | not reported |
| 2 | FinWise Bank | 85 | $87.2M | $1.0M | 2.35% |
| 3 | TD Bank, National Association | 341 | $55.7M | $163K | 9.09% |
| 4 | Manufacturers and Traders Trust Company | 542 | $50.2M | $93K | 7.20% |
| 5 | Live Oak Banking Company | 28 | $47.0M | $1.7M | 0.00% |
| 6 | Trenton Business Assistance Corporation | 20 | $39.1M | $2.0M | not reported |
| 7 | KeyBank National Association | 142 | $34.2M | $241K | 6.34% |
| 8 | JPMorgan Chase Bank, National Association | 208 | $32.4M | $156K | 6.25% |
| 9 | Readycap Lending, LLC | 73 | $30.2M | $413K | 4.11% |
| 10 | New York Business Development Corporation | 39 | $25.3M | $650K | 2.56% |
SBA 7(a) and 504 loans, FY2010–2026, as of 2026-03-31, from the SBA's public record.
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How Kiryas Joel compares
Median funded SBA loan and 504 share of loans, FY2010–2026.
| Median loan | 504 share | |
|---|---|---|
| Kiryas Joel area | $137K ▲ 37.3% | 8.5% ▲ 2.3 pts |
| New York | $100K | 6.2% |
| United States | $179K | 11.2% |
What gets funded in Kiryas Joel
| Industry | Loans | Total funded |
|---|---|---|
| Retail Trade | 443 | $211.8M |
| Manufacturing | 201 | $132.6M |
| Accommodation and Food Services | 247 | $128.3M |
| Wholesale Trade | 195 | $101.3M |
| Construction | 352 | $74.1M |
| Health Care and Social Assistance | 164 | $63.6M |
| Other Services | 224 | $61.9M |
| Professional and Technical Services | 217 | $42.0M |
SBA lending in Kiryas Joel by year
Geography, precisely
"Kiryas Joel area" here means the Kiryas Joel-Poughkeepsie-Newburgh, NY metropolitan statistical area as delineated by OMB (July 2023), which is exactly these counties: Dutchess County, NY; Orange 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.