SBA lending by metro area
SBA lenders in Massena, NY
Which lenders fund Massena-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 Massena area
Ranked by SBA volume funded to businesses located in the Massena 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 | KeyBank National Association | 15 | $4.2M | $277K | not reported |
| 2 | NBT Bank, National Association | 21 | $3.1M | $147K | 9.52% |
| 3 | New York Business Development Corporation | 5 | $3.0M | $590K | not reported |
| 4 | Community Bank, National Association | 27 | $2.9M | $108K | 3.70% |
| 5 | Empire State Certified Development Corporation | 6 | $2.3M | $382K | 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 Massena compares
Median funded SBA loan and 504 share of loans, FY2010–2026.
| Median loan | 504 share | |
|---|---|---|
| Massena area | $122K ▲ 22.0% | 6.9% ▲ 0.7 pts |
| New York | $100K | 6.2% |
| United States | $179K | 11.2% |
What gets funded in Massena
| Industry | Loans | Total funded |
|---|---|---|
| Accommodation and Food Services | 26 | $10.6M |
| Manufacturing | 6 | $7.2M |
| Retail Trade | 22 | $3.8M |
| Administrative and Support | 5 | $1.8M |
| Construction | 11 | $1.6M |
| Health Care and Social Assistance | 7 | $1.3M |
| Other Services | 5 | $967K |
| Arts, Entertainment, Recreation | 6 | $451K |
SBA lending in Massena by year
Geography, precisely
"Massena area" here means the Massena-Ogdensburg, NY micropolitan statistical area as delineated by OMB (July 2023), which is exactly these counties: St. Lawrence 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.