SBA by industry · NY
SBA lenders for construction trades in New York
98 lenders made 1,645 SBA loans to construction trades in New York in the 36 months ending September 30, 2026. TD Bank, National Association made the most, with 338. The typical loan was about $140K.
- Evidence
- SBA 7(a) and 504 loans to construction trades in New York, NAICS 23
- Data as of
- SBA, September 30, 2026
- Page last changed
- November 12, 2026
- Lenders on record
- 98
- SBA FOIA,
- SBA loans, 36 months
- 1,645
- SBA FOIA,
- 7(a) net of cancelled; 504 funded first liens
- Dollars, 36 months
- $543M
- SBA FOIA,
- Last 12 months
- 439
- SBA FOIA,
Cite this
Source: The Lender Report, SBA lenders for construction trades in New York, https://lender.report/sba-lenders-for/construction-trades/new-york/, data as of September 30, 2026.
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| Lender | Kind | Based in | Loans | Dollars | 7(a) | 504 | Last 12 months |
|---|---|---|---|---|---|---|---|
| TD Bank, National Association SBA 7(a) record | Bank | Wilmington, DE | 338 | $54.1M | 336 | 2 | 55 |
| Manufacturers and Traders Trust Company SBA 7(a) record | Bank | Buffalo, NY | 331 | $38.6M | 328 | 3 | 142 |
| JPMorgan Chase Bank, National Association SBA 7(a) record | Bank | Columbus, OH | 162 | $42.1M | 158 | 4 | 17 |
| Readycap Lending, LLC SBA 7(a) record | Non-bank | Berkeley Heights, NJ | 67 | $36.0M | 67 | 0 | 10 |
| Northeast Bank SBA 7(a) record | Bank | Portland, ME | 54 | $10.2M | 54 | 0 | 11 |
| Santander Bank, N.A. SBA 7(a) record | Bank | Wilmington, DE | 52 | $15.0M | 52 | 0 | 6 |
| KeyBank National Association SBA 7(a) record | Bank | Cleveland, OH | 52 | $12.1M | 52 | 0 | 12 |
| BayFirst National Bank SBA 7(a) record | Bank | Saint Petersburg, FL | 44 | $5.98M | 44 | 0 | 0 |
| Five Star Bank SBA 7(a) record | Bank | Rochester, NY | 43 | $4.12M | 43 | 0 | 5 |
| ESL Credit Union SBA 7(a) record | Credit union | Rochester, NY | 39 | $6.30M | 39 | 0 | 10 |
| Newtek Bank, National Association SBA 7(a) record | Bank | Miami, FL | 37 | $13.8M | 37 | 0 | 20 |
| The Huntington National Bank SBA 7(a) record | Bank | Columbus, OH | 33 | $16.5M | 33 | 0 | 7 |
| Lendistry SBLC, LLC SBA 7(a) record | Non-bank | Los Angeles, CA | 33 | $8.47M | 33 | 0 | 11 |
| Citibank, National Association SBA 7(a) record | Bank | Sioux Falls, SD | 30 | $3.06M | 30 | 0 | 11 |
| Celtic Bank SBA 7(a) record | Bank | Salt Lake City, UT | 24 | $11.6M | 24 | 0 | 10 |
| Live Oak Banking Company SBA 7(a) record | Bank | Wilmington, NC | 22 | $29.3M | 22 | 0 | 11 |
| United Midwest Savings Bank, National Association SBA 7(a) record | Bank | Degraff, OH | 14 | $2.43M | 14 | 0 | 3 |
| First Bank of the Lake SBA 7(a) record | Bank | Osage Beach, MO | 13 | $8.08M | 12 | 1 | 3 |
| Tompkins Bank & Trust SBA 7(a) record | Bank | Ithaca, NY | 13 | $3.06M | 13 | 0 | 2 |
| Harvest Small Business Finance, LLC SBA 7(a) record | Non-bank | Laguna Hills, CA | 12 | $15.4M | 12 | 0 | 8 |
| FinWise Bank SBA 7(a) record | Bank | Murray, UT | 12 | $6.45M | 12 | 0 | 4 |
| Hanover Community Bank SBA 7(a) record | Bank | Garden City Park, NY | 10 | $7.21M | 4 | 6 | 2 |
| NBT Bank, National Association SBA 7(a) record | Bank | Norwich, NY | 10 | $5.51M | 9 | 1 | 4 |
| Arrow Bank National Association SBA 7(a) record | Bank | Glens Falls, NY | 10 | $1.79M | 9 | 1 | 1 |
| SmartBiz Bank, National Association SBA 7(a) record | Bank | Northbrook, IL | 9 | $1.45M | 9 | 0 | 5 |
Dollars are approval amounts, rounded to 2 significant figures per loan, net of cancelled approvals.
| Industry | Loans |
|---|---|
| Residential Remodelers | 339 |
| Plumbing, Heating, and Air-Conditioning Contractors | 211 |
| All Other Specialty Trade Contractors | 173 |
| Electrical Contractors and Other Wiring Installation Contractors | 154 |
| Commercial and Institutional Building Construction | 107 |
| New Single-Family Housing Construction (except For-Sale Builders) | 107 |
| Site Preparation Contractors | 79 |
| Painting and Wall Covering Contractors | 63 |
| Flooring Contractors | 46 |
| Finish Carpentry Contractors | 44 |
| Loan size | Loans |
|---|---|
| Under $150K | 823 |
| $150K to $350K | 477 |
| $350K to $1M | 223 |
| $1M to $2.5M | 76 |
| $2.5M or more | 46 |
- SBA lenders recorded 1,645 loans to construction trades totaling $543.3M in New York in the 36 months ending September 30, 2026, excluding cancelled approvals. SBA FOIA,
- The typical loan was about $140K, with the middle half between $50K and $250K. SBA FOIA,
- 1,606 were SBA 7(a) loans and 39 were SBA 504 first liens. SBA FOIA,
- SBA 7(a) lenders reported a median initial rate of 10.75% on 1,606 loans. SBA FOIA,
- The median term was 10 years. SBA FOIA,
- Banks and savings institutions made 1,468 of the loans, credit unions 50, and non-banks 123. SBA FOIA,
- The five most active lenders made 57.9% of the loans. SBA FOIA,
- The three most active lenders were TD Bank, National Association with 338, Manufacturers and Traders Trust Company with 331, and JPMorgan Chase Bank, National Association with 162. SBA FOIA,
- 823 of the loans were under $150K, and 122 were $1M or more. SBA FOIA,
- 4 of these loans were made by lenders that have since merged or closed, that the file lists under a name with no lender record here, or that the loan tape shows only at a broader industry level. They are counted in the totals here and appear in no lender's row. SBA FOIA,
- The SBA file shows 439 approvals of these loans dated in the 12 months to September 30, 2026, versus 637 in the 12 months before. Both counts leave out cancelled approvals and include 504 approvals not yet funded. SBA FOIA,
- 27 of the 98 lenders are based in New York. The rest are based elsewhere, most often in New Jersey, California and North Carolina. SBA FOIA,
- The most common detailed industry in New York was Residential Remodelers, with 339 loans. SBA FOIA,
How this list is defined
- Measure
- SBA loans made to construction trades in New York
- Period
- October 2023 to September 2026
- Formula
- Count, by lender, of SBA 7(a) approvals and SBA 504 first liens located in New York, dated in the 36 months ending September 30, 2026 and not cancelled, whose NAICS code in the SBA file falls in NAICS 23.
- Order
- Largest first by loans in the state, then dollars, then name. Payment is not part of the order.
- As of
- September 30, 2026
- Source
- SBA FOIA
- Changelog
- : First published, with the data built on this date.
What we don't know
- Whether any of these lenders is taking new SBA loans today, or how it would treat a business like yours.
- Loans that were never completed. The SBA file lists approvals, and these pages leave out the ones it marks cancelled.
- The borrower, the address and every term beyond rate and term. The public file does not show them.
Every loan counted here carried one of these NAICS codes in the SBA file, and the state of the loan is the state of the business. Loans are approvals, net of cancelled approvals. Lenders that merged or stopped filing are left out.
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.