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SBA 504 record
Manufacturers and Traders Trust Company: SBA 504 first liens made
Manufacturers and Traders Trust Company, a bank based in Buffalo, NY, made 108 SBA 504 first liens in the 36 months ending September 30, 2026, $78.5M in all, net of cancelled approvals. The typical first lien was about $520K, and 55 were in the last 12 months. Most were in New York.
- Evidence
- SBA 504 loans in the 36 months ending September 30, 2026, SBA
- Data as of
- SBA, September 30, 2026
- Page last changed
- November 11, 2026
- First liens, 36 months
- 108
- SBA FOIA,
- Net of cancelled approvals
- Dollars
- $78.5M
- SBA FOIA,
- Rounded amounts
- Typical loan
- $520K
- SBA FOIA,
- Largest loan
- $3.6M
- SBA FOIA,
- Rounded to 2 significant figures
- Last 12 months
- 55
- SBA FOIA,
Cite this
Source: The Lender Report, Manufacturers and Traders Trust Company: SBA 504 first liens made, https://lender.report/lender/manufacturers-and-traders-trust-ny/sba-504/, data as of September 30, 2026.
The loans, newest first
Banks report no loan-level data for office, retail, industrial or construction loans. This list shows only multifamily and SBA loans.
| Period | Place | Loan | Amount | Rate | Term | LTV | Source |
|---|---|---|---|---|---|---|---|
| Jul 2026 | Massachusetts | SBA 504, Car Washes | $1.4M | 25 yr | SBA FOIA | ||
| Jun 2026 | Massachusetts | SBA 504, Professional, Scientific, and Technical Services | $110K | 25 yr | SBA FOIA | ||
| May 2026 | Virginia | SBA 504, Construction | $860K | 25 yr | SBA FOIA | ||
| May 2026 | Connecticut | SBA 504, Offices of Mental Health Practitioners (except Physicians) | $240K | 25 yr | SBA FOIA | ||
| Apr 2026 | New York | SBA 504, Transportation and Warehousing | $500K | 25 yr | SBA FOIA | ||
| Mar 2026 | District of Columbia | SBA 504, Retail Trade | $850K | 25 yr | SBA FOIA | ||
| Mar 2026 | New York | SBA 504, Professional, Scientific, and Technical Services | $610K | 25 yr | SBA FOIA | ||
| Mar 2026 | Connecticut | SBA 504, Retail Trade | $280K | 25 yr | SBA FOIA | ||
| Feb 2026 | New York | SBA 504, Offices of Physicians (except Mental Health Specialists) | $2.1M | 10 yr | SBA FOIA | ||
| Feb 2026 | Virginia | SBA 504, Health Care and Social Assistance | $400K | 25 yr | SBA FOIA | ||
| Nov 2025 | New Jersey | SBA 504, Supermarkets and Other Grocery Retailers (except Convenience Retailers) | $1.6M | 25 yr | SBA FOIA | ||
| Nov 2025 | New York | SBA 504, Full-Service Restaurants | $590K | 25 yr | SBA FOIA | ||
| Sep 2025 | Maryland | SBA 504, Manufacturing | $950K | 25 yr | SBA FOIA | ||
| Sep 2025 | Massachusetts | SBA 504, Automotive Body, Paint, and Interior Repair and Maintenance | $880K | 25 yr | SBA FOIA | ||
| Sep 2025 | New York | SBA 504, Educational Services | $600K | 25 yr | SBA FOIA | ||
| Sep 2025 | Pennsylvania | SBA 504, Professional, Scientific, and Technical Services | $420K | 25 yr | SBA FOIA | ||
| Sep 2025 | Virginia | SBA 504, Construction | $270K | 25 yr | SBA FOIA | ||
| Sep 2025 | Connecticut | SBA 504, Health Care and Social Assistance | $250K | 25 yr | SBA FOIA | ||
| Aug 2025 | New York | SBA 504, Offices of Dentists | $580K | 25 yr | SBA FOIA | ||
| Aug 2025 | New Jersey | SBA 504, Manufacturing | $220K | 10 yr | SBA FOIA | ||
| Jul 2025 | New York | SBA 504, Professional, Scientific, and Technical Services | $1.7M | 25 yr | SBA FOIA | ||
| Jul 2025 | New Jersey | SBA 504, Full-Service Restaurants | $610K | 25 yr | SBA FOIA | ||
| Jul 2025 | Maine | SBA 504, Accommodation and Food Services | $340K | 25 yr | SBA FOIA | ||
| Jul 2025 | New York | SBA 504, Arts, Entertainment, and Recreation | $100K | 20 yr | SBA FOIA | ||
| Jun 2025 | New Hampshire | SBA 504, Manufacturing | $1.6M | 25 yr | SBA FOIA | ||
| 108 SBA 504 first liens since October 2023, net of cancelled | $78.5M | SBA FOIA | |||||
A blank means the source did not report it.
| State | First liens | Dollars |
|---|---|---|
| New York | 38 | $31.6M |
| New Jersey | 15 | $10.8M |
| Virginia | 14 | $7.88M |
| Connecticut | 13 | $6.98M |
| Maryland | 12 | $8.35M |
| Massachusetts | 4 | $2.91M |
| New Hampshire | 4 | $2.87M |
| Pennsylvania | 4 | $2.42M |
| District of Columbia | 3 | $4.40M |
| Maine | 1 | $340K |
SBA loans are on record by state only.
| Loan size | First liens | Dollars |
|---|---|---|
| Under $150K | 3 | $330K |
| $150K to $350K | 30 | $7.43M |
| $350K to $1M | 53 | $32.0M |
| $1M to $2.5M | 19 | $29.0M |
| $2.5M or more | 3 | $9.80M |
| Quarter | First liens | Dollars |
|---|---|---|
| 2023 Q4 | 9 | $10.4M |
| 2024 Q1 | 12 | $6.59M |
| 2024 Q2 | 11 | $8.05M |
| 2024 Q3 | 19 | $14.5M |
| 2024 Q4 | 12 | $7.49M |
| 2025 Q1 | 15 | $8.97M |
| 2025 Q2 | 6 | $6.12M |
| 2025 Q3 | 12 | $6.92M |
| 2025 Q4 | 2 | $2.19M |
| 2026 Q1 | 5 | $4.24M |
| 2026 Q2 | 4 | $1.71M |
| 2026 Q3 | 1 | $1.40M |
Calendar quarters of the SBA approval date. The first and last may cover part of a quarter: the window is the 36 months ending September 30, 2026.
| Industry (NAICS) | First liens |
|---|---|
| Professional, Scientific, and Technical Services | 10 |
| Construction | 8 |
| Full-Service Restaurants (722511) | 8 |
| Health Care and Social Assistance | 7 |
| Retail Trade | 6 |
| General Automotive Repair (811111) | 5 |
| Manufacturing | 5 |
| Retail Trade | 5 |
| Wholesale Trade | 5 |
| Arts, Entertainment, and Recreation | 4 |
| Offices of Mental Health Practitioners (except Physicians) (621330) | 4 |
| Child Care Services (624410) | 3 |
A 6-digit code is printed only where the SBA file holds 5 or more loans of the program in that state; the rest show as their 2-digit sector.
| Processing method | Loans |
|---|---|
| Accredited Lenders Program | 41 |
| ALP Express | 35 |
| 504 Basic | 28 |
| 504 Refinancing Program | 3 |
| ALP Express Debt Refi | 1 |
| Certified Development Company | Projects |
|---|---|
| Empire State Certified Development Corporation | 36 |
| Business Finance Group, Inc. | 16 |
| Trenton Business Assistance Corporation | 9 |
| Community Investment Corporation | 8 |
| Rappahannock Economic Development Corporation | 7 |
| Monroe County Industrial Development Corporation | 6 |
| Chesapeake Business Finance Corporation | 5 |
| New England Certified Development Corporation | 5 |
| Bay Colony Development Corporation | 4 |
| Granite State Economic Development Corporation | 4 |
- Manufacturers and Traders Trust Company made 108 SBA 504 first liens totaling $78.5M in the 36 months ending September 30, 2026, net of cancelled approvals, in 10 states. SBA FOIA,
- The SBA file shows 55 approvals naming Manufacturers and Traders Trust Company as first-lien lender dated in the 12 months to September 30, 2026, and 71 in the 12 months before. Both counts leave out cancelled approvals and include approvals not yet funded, so the two periods are measured the same way. SBA FOIA,
- The typical first lien was about $520K, with the middle half between $300K and $900K. SBA FOIA,
- The largest was about $3.6M. Every amount is rounded to 2 significant figures. SBA FOIA,
- 3 loans were under $150K, and 22 were $1M or more. SBA FOIA,
- The median term was 25 years. SBA FOIA,
- Its loans went most often to Professional, Scientific, and Technical Services, with 10. SBA FOIA,
- The SBA file lists 41 of its loans as processed under Accredited Lenders Program. SBA FOIA,
- It worked with 15 Certified Development Companies, most often Empire State Certified Development Corporation. SBA FOIA,
- Its loans were most often in New York (38), New Jersey (15) and Virginia (14). SBA FOIA,
What we don't know
- Whether Manufacturers and Traders Trust Company is taking new SBA 504 loans today, or how it would treat a business like yours.
- Loans that were never completed. The SBA file lists approvals, and this page leaves out the ones it marks cancelled.
- The borrower, the address and every term beyond rate and term. The public file does not show them.
SBA loans are on record by state only. Amounts are rounded to 2 significant figures and dates to the month. A 6-digit industry code is printed only where the SBA file holds 5 or more loans of the program in that state.
SBA 504 figures count the first-lien lender on each SBA approval. Dollars are first-lien amounts.
SBA does not require you to use an agent or broker for a loan application. SBA has not reviewed or endorsed this site.
Source and date appear beside each figure. Banks report balances, not loans made. Loans made come only from HMDA and SBA files. We do not audit filings and can make errors joining them. Report a problem
Figures come from public records and show the source and date beside them. Public records can be late, incomplete or wrong. A past loan does not mean a lender will make the same kind of loan today. Confirm anything important with the lender.