SBA lending by metro area
SBA lenders in New York, NY
Which lenders fund New York-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 New York area
Ranked by SBA volume funded to businesses located in the New York 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 | 2,357 | $2.5B | $1.1M | 10.45% |
| 2 | TD Bank, National Association | 12,291 | $1.5B | $125K | 9.58% |
| 3 | NewBank | 1,474 | $1.5B | $984K | 2.51% |
| 4 | Trenton Business Assistance Corporation | 1,115 | $1.2B | $1.1M | 2.46% |
| 5 | JPMorgan Chase Bank, National Association | 8,117 | $1.2B | $147K | 6.38% |
| 6 | Live Oak Banking Company | 719 | $879.5M | $1.2M | 0.83% |
| 7 | Newtek Small Business Finance, Inc. | 909 | $671.3M | $738K | 2.42% |
| 8 | FinWise Bank | 505 | $618.3M | $1.2M | 1.98% |
| 9 | The Bank of Princeton | 727 | $607.7M | $836K | 6.46% |
| 10 | Bank of Hope | 1,013 | $606.7M | $599K | 5.13% |
SBA 7(a) and 504 loans, FY2010–2026, as of 2026-03-31, from the SBA's public record.
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How New York compares
Median funded SBA loan and 504 share of loans, FY2010–2026.
| Median loan | 504 share | |
|---|---|---|
| New York area | $150K ▲ 50.0% | 5.6% ▼ 0.6 pts |
| New York | $100K | 6.2% |
| United States | $179K | 11.2% |
What gets funded in New York
| Industry | Loans | Total funded |
|---|---|---|
| Retail Trade | 9,053 | $4.4B |
| Accommodation and Food Services | 7,061 | $4.2B |
| Wholesale Trade | 5,071 | $2.7B |
| Health Care and Social Assistance | 5,406 | $2.7B |
| Other Services | 5,541 | $2.0B |
| Professional and Technical Services | 6,970 | $2.0B |
| Manufacturing | 2,991 | $1.8B |
| Construction | 6,335 | $1.7B |
SBA lending in New York by year
Geography, precisely
"New York area" here means the New York-Newark-Jersey City, NY-NJ metropolitan statistical area as delineated by OMB (July 2023), which is exactly these counties: Bergen County, NJ; Bronx County, NY; Essex County, NJ; Hudson County, NJ; Hunterdon County, NJ; Kings County, NY; Middlesex County, NJ; Monmouth County, NJ; Morris County, NJ; Nassau County, NY; New York County, NY; Ocean County, NJ; Passaic County, NJ; Putnam County, NY; Queens County, NY; Richmond County, NY; Rockland County, NY; Somerset County, NJ; Suffolk County, NY; Sussex County, NJ; Union County, NJ; Westchester 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.