SBA by industry · NY
SBA lenders for retail stores in New York
105 lenders made 1,495 SBA loans to retail stores in New York in the 36 months ending September 30, 2026. TD Bank, National Association made the most, with 266. The typical loan was about $150K.
- Evidence
- SBA 7(a) and 504 loans to retail stores in New York, NAICS 44 and 45, excluding gas, convenience and pharmacy
- Data as of
- SBA, September 30, 2026
- Page last changed
- November 12, 2026
- Lenders on record
- 105
- SBA FOIA,
- SBA loans, 36 months
- 1,495
- SBA FOIA,
- 7(a) net of cancelled; 504 funded first liens
- Dollars, 36 months
- $571M
- SBA FOIA,
- Last 12 months
- 410
- SBA FOIA,
Cite this
Source: The Lender Report, SBA lenders for retail stores in New York, https://lender.report/sba-lenders-for/retail/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 | 266 | $47.3M | 262 | 4 | 49 |
| Manufacturers and Traders Trust Company SBA 7(a) record | Bank | Buffalo, NY | 255 | $34.8M | 252 | 3 | 108 |
| Readycap Lending, LLC SBA 7(a) record | Non-bank | Berkeley Heights, NJ | 106 | $42.2M | 106 | 0 | 6 |
| JPMorgan Chase Bank, National Association SBA 7(a) record | Bank | Columbus, OH | 78 | $19.2M | 75 | 3 | 11 |
| BayFirst National Bank SBA 7(a) record | Bank | Saint Petersburg, FL | 75 | $11.7M | 75 | 0 | 0 |
| Lendistry SBLC, LLC SBA 7(a) record | Non-bank | Los Angeles, CA | 61 | $10.8M | 61 | 0 | 8 |
| Newtek Bank, National Association SBA 7(a) record | Bank | Miami, FL | 54 | $21.1M | 54 | 0 | 26 |
| KeyBank National Association SBA 7(a) record | Bank | Cleveland, OH | 53 | $9.13M | 53 | 0 | 10 |
| Northeast Bank SBA 7(a) record | Bank | Portland, ME | 41 | $8.03M | 41 | 0 | 7 |
| Santander Bank, N.A. SBA 7(a) record | Bank | Wilmington, DE | 36 | $9.61M | 36 | 0 | 6 |
| FinWise Bank SBA 7(a) record | Bank | Murray, UT | 33 | $38.7M | 33 | 0 | 6 |
| Bank of Hope SBA 7(a) record | Bank | Los Angeles, CA | 26 | $26.6M | 26 | 0 | 12 |
| Celtic Bank SBA 7(a) record | Bank | Salt Lake City, UT | 23 | $3.68M | 23 | 0 | 10 |
| ESL Credit Union SBA 7(a) record | Credit union | Rochester, NY | 22 | $1.67M | 22 | 0 | 7 |
| Colony Bank SBA 7(a) record | Bank | Fitzgerald, GA | 19 | $3.14M | 19 | 0 | 8 |
| NBT Bank, National Association SBA 7(a) record | Bank | Norwich, NY | 18 | $4.71M | 16 | 2 | 2 |
| Live Oak Banking Company SBA 7(a) record | Bank | Wilmington, NC | 17 | $24.1M | 17 | 0 | 8 |
| Five Star Bank SBA 7(a) record | Bank | Rochester, NY | 17 | $4.30M | 17 | 0 | 4 |
| Hanmi Bank SBA 7(a) record | Bank | Los Angeles, CA | 13 | $13.0M | 13 | 0 | 5 |
| NewBank SBA 7(a) record | Bank | Flushing, NY | 9 | $4.62M | 9 | 0 | 1 |
| United Midwest Savings Bank, National Association SBA 7(a) record | Bank | Degraff, OH | 9 | $2.90M | 9 | 0 | 2 |
| The Huntington National Bank SBA 7(a) record | Bank | Columbus, OH | 9 | $2.69M | 9 | 0 | 0 |
| SmartBiz Bank, National Association SBA 7(a) record | Bank | Northbrook, IL | 9 | $2.25M | 9 | 0 | 9 |
| Cross River Bank SBA 7(a) record | Bank | Fort Lee, NJ | 8 | $15.5M | 4 | 4 | 2 |
| Commonwealth Business Bank SBA 7(a) record | Bank | Los Angeles, CA | 8 | $8.28M | 8 | 0 | 6 |
Dollars are approval amounts, rounded to 2 significant figures per loan, net of cancelled approvals.
| Industry | Loans |
|---|---|
| Clothing and Clothing Accessories Retailers | 160 |
| Beer, Wine, and Liquor Retailers | 129 |
| Supermarkets and Other Grocery Retailers (except Convenience Retailers) | 121 |
| All Other General Merchandise Retailers | 105 |
| All Other Miscellaneous Retailers | 105 |
| Cosmetics, Beauty Supplies, and Perfume Retailers | 58 |
| Electronics and Appliance Retailers | 51 |
| All Other Specialty Food Retailers | 45 |
| Furniture Retailers | 34 |
| Hobby, Toy, and Game Retailers | 33 |
| Loan size | Loans |
|---|---|
| Under $150K | 656 |
| $150K to $350K | 421 |
| $350K to $1M | 297 |
| $1M to $2.5M | 84 |
| $2.5M or more | 46 |
- SBA lenders recorded 1,495 loans to retail stores totaling $570.6M in New York in the 36 months ending September 30, 2026, excluding cancelled approvals. SBA FOIA,
- The typical loan was about $150K, with the middle half between $52K and $350K. SBA FOIA,
- 1,466 were SBA 7(a) loans and 38 were SBA 504 first liens. SBA FOIA,
- SBA 7(a) lenders reported a median initial rate of 10.75% on 1,466 loans. SBA FOIA,
- The median term was 10 years. SBA FOIA,
- Banks and savings institutions made 1,253 of the loans, credit unions 40, and non-banks 207. SBA FOIA,
- The five most active lenders made 52.2% of the loans. SBA FOIA,
- The three most active lenders were TD Bank, National Association with 266, Manufacturers and Traders Trust Company with 255, and Readycap Lending, LLC with 106. SBA FOIA,
- 656 of the loans were under $150K, and 130 were $1M or more. SBA FOIA,
- The SBA file shows 410 approvals of these loans dated in the 12 months to September 30, 2026, versus 546 in the 12 months before. Both counts leave out cancelled approvals and include 504 approvals not yet funded. SBA FOIA,
- 36 of the 105 lenders are based in New York. The rest are based elsewhere, most often in California, New Jersey and North Carolina. SBA FOIA,
- The most common detailed industry in New York was Clothing and Clothing Accessories Retailers, with 160 loans. SBA FOIA,
How this list is defined
- Measure
- SBA loans made to retail stores 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 44 and 45, excluding gas, convenience and pharmacy.
- 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.