SBA lending by metro area
SBA lenders in Monticello, NY
Which lenders fund Monticello-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 Monticello area
Ranked by SBA volume funded to businesses located in the Monticello 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 | Live Oak Banking Company | 8 | $17.6M | $2.2M | not reported |
| 2 | FinWise Bank | 19 | $16.2M | $853K | not reported |
| 3 | The Bank of Princeton | 10 | $15.9M | $1.6M | not reported |
| 4 | Empire State Certified Development Corporation | 13 | $12.5M | $964K | not reported |
| 5 | Manufacturers and Traders Trust Company | 37 | $6.4M | $172K | 16.22% |
| 6 | Empire State Bank | 5 | $5.1M | $1.0M | not reported |
| 7 | TD Bank, National Association | 47 | $4.2M | $89K | 14.89% |
| 8 | Readycap Lending, LLC | 6 | $2.1M | $348K | not reported |
| 9 | Webster Bank National Association | 6 | $1.4M | $236K | not reported |
| 10 | Lendistry SBLC, LLC | 5 | $1.3M | $261K | 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 Monticello compares
Median funded SBA loan and 504 share of loans, FY2010–2026.
| Median loan | 504 share | |
|---|---|---|
| Monticello area | $170K ▲ 70.0% | 5.5% ▼ 0.8 pts |
| New York | $100K | 6.2% |
| United States | $179K | 11.2% |
What gets funded in Monticello
| Industry | Loans | Total funded |
|---|---|---|
| Retail Trade | 58 | $37.9M |
| Manufacturing | 17 | $24.2M |
| Accommodation and Food Services | 30 | $19.2M |
| Construction | 50 | $15.2M |
| Other Services | 12 | $10.4M |
| Wholesale Trade | 15 | $10.0M |
| Professional and Technical Services | 9 | $5.9M |
| Real Estate | 5 | $5.7M |
SBA lending in Monticello by year
Geography, precisely
"Monticello area" here means the Monticello, NY micropolitan statistical area as delineated by OMB (July 2023), which is exactly these counties: Sullivan 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.