Searching for trusted New York SBA lenders to power your business growth? Our comprehensive directory connects New York entrepreneurs with approved SBA loan providers throughout New York City, Buffalo, Rochester, Albany and across the state. Whether you’re exploring SBA 7(a) loans, 504 loans, microloans, or disaster assistance, our list features the most active small business lenders with competitive rates and flexible terms for New York businesses. Discover which local banks, credit unions, and financial institutions participate in Small Business Administration lending programs, compare their requirements, and find the ideal financing partner to help your New York small business thrive in the Empire State’s dynamic economic landscape.
| Region | Lender |
|---|---|
| Capital Region | Ballston Spa National Bank |
| Capital Region | Bank of America, NA |
| Capital Region | Bank of Greene County |
| Capital Region | Berkshire Bank |
| Capital Region | Capital Bank & Trust |
| Capital Region | Citizens Bank, NA |
| Capital Region | Community Bank, NA |
| Capital Region | Directors Choice Credit Union |
| Capital Region | First National Bank of Scotia |
| Capital Region | Five Star Bank |
| Capital Region | Glens Falls National Bank & Trust Co. |
| Capital Region | JP Morgan Chase Bank, NA |
| Capital Region | KeyBank NA |
| Capital Region | M&T Bank |
| Capital Region | National Bank of Coxsackie |
| Capital Region | NBT Bank, NA |
| Capital Region | Pioneer Savings Bank |
| Capital Region | Pursuit BDC (NYBDC) |
| Capital Region | Saratoga National Bank & Trust Co. |
| Capital Region | Seacomm Federal Credit Union |
| Capital Region | SEFCU |
| Capital Region | Sunmark Federal Credit Union |
| Capital Region | TD Bank, NA |
| Capital Region | The Adirondack Trust Company |
| Capital Region | Trustco Bank |
| Central NY | Adirondack Bank |
| Central NY | Atlantic Capital Bank, NA |
| Central NY | Bank of America, NA |
| Central NY | Berkshire Bank |
| Central NY | BNB Bank |
| Central NY | Cayuga Lake National Bank |
| Central NY | Chemung Canal Trust Company |
| Central NY | Citizens Bank, NA |
| Central NY | Community Bank, NA |
| Central NY | Countryside Federal Credit Union |
| Central NY | Dime Community Bank |
| Central NY | First Home Bank |
| Central NY | Five Star Bank |
| Central NY | Fulton Savings Bank |
| Central NY | JP Morgan Chase Bank, NA |
| Central NY | KeyBank NA |
| Central NY | Lyons National Bank |
| Central NY | M&T Bank |
| Central NY | NBT Bank, NA |
| Central NY | Pathfinder Bank |
| Central NY | Pursuit BDC (NYBDC) |
| Central NY | Santander Bank, NA |
| Central NY | Saratoga National Bank & Trust Co. |
| Central NY | Seneca Savings Bank |
| Central NY | Solvay Bank |
| Central NY | TD Bank, NA |
| Central NY | The Adirondack Trust Company |
| Central NY | Tompkins Trust Company |
| Central NY | Watertown Savings Bank |
| Central NY | Wells Fargo Bank, NA |
| Finger Lakes | Bank of Cattaraugus |
| Finger Lakes | Bank of the Finger Lakes |
| Finger Lakes | Berkshire Bank |
| Finger Lakes | Canandaigua National Bank & Trust |
| Finger Lakes | Chase Bank |
| Finger Lakes | Citizens Bank, NA |
| Finger Lakes | Community Bank, NA |
| Finger Lakes | ESL Federal Credit Union |
| Finger Lakes | Five Star Bank |
| Finger Lakes | Generations Bank |
| Finger Lakes | Genesee Regional Bank |
| Finger Lakes | KeyBank NA |
| Finger Lakes | Lyons National Bank |
| Finger Lakes | M&T Bank |
| Finger Lakes | NBT Bank, NA |
| Finger Lakes | Northwest Bank |
| Finger Lakes | Pursuit BDC (NYBDC) |
| Finger Lakes | Reliant Credit Union |
| Finger Lakes | S&T Bank |
| Finger Lakes | Savannah Bank |
| Finger Lakes | Solvay Bank |
| Finger Lakes | Steuben Trust Co. |
| Finger Lakes | The Bank of Castile |
| Finger Lakes | Ukrainian Federal Credit Union |
| Finger Lakes | Upstate National Bank |
| Finger Lakes | USNY Bank |
| Finger Lakes | Wells Fargo Bank, NA |
| Long Island | 1st Constitution Bank |
| Long Island | Bank of America, NA |
| Long Island | Bank of Hope |
| Long Island | Berkshire Bank |
| Long Island | BNB Bank |
| Long Island | BOC Capital Corp. |
| Long Island | Capital One, NA |
| Long Island | Citizens Bank, NA |
| Long Island | Connect One Bank |
| Long Island | Dime Community Bank |
| Long Island | Empire National Bank |
| Long Island | Fifth Third Bank |
| Long Island | First Bank |
| Long Island | First Chatham Bank |
| Long Island | First Home Bank |
| Long Island | First Savings Bank |
| Long Island | Five Star Bank |
| Long Island | Flushing Bank |
| Long Island | Hanmi Bank |
| Long Island | HSBC, Bank USA, NA |
| Long Island | JP Morgan Chase Bank, NA |
| Long Island | KeyBank NA |
| Long Island | M&T Bank |
| Long Island | NDC Grow America Fund |
| Long Island | NewBank |
| Long Island | Patriot Bank, NA |
| Long Island | Peoples United Bank, NA |
| Long Island | Pursuit BDC (NYBDC) |
| Long Island | Queens Cluster FCU |
| Long Island | Santander Bank, NA |
| Long Island | Savoy Bank |
| Long Island | TD Bank, NA |
| Long Island | The Bancorp Bank |
| Long Island | The First National Bank of Long Island |
| Long Island | The Huntington National Bank |
| Long Island | Webster Bank, NA |
| Long Island | Wells Fargo Bank, NA |
| Mid-Hudson | BOC Capital Corp. |
| Mid-Hudson | Capital One, NA |
| Mid-Hudson | Carver State Bank |
| Mid-Hudson | Chase Bank |
| Mid-Hudson | Citibank, NA |
| Mid-Hudson | Citizens Bank, NA |
| Mid-Hudson | Community Bank, NA |
| Mid-Hudson | Connect One Bank |
| Mid-Hudson | Empire State Bank |
| Mid-Hudson | First Bank Financial Centre |
| Mid-Hudson | First Savings Bank |
| Mid-Hudson | Five Star Bank |
| Mid-Hudson | Hanmi Bank |
| Mid-Hudson | HSBC, Bank USA, NA |
| Mid-Hudson | Hudson Valley CU |
| Mid-Hudson | JP Morgan Chase Bank, NA |
| Mid-Hudson | KeyBank NA |
| Mid-Hudson | M&T Bank |
| Mid-Hudson | Mahopac Bank |
| Mid-Hudson | Northeast Bank |
| Mid-Hudson | Pursuit BDC (NYBDC) |
| Mid-Hudson | Republic First Bank |
| Mid-Hudson | Rhinebeck Bank |
| Mid-Hudson | Roundout Savings Bank |
| Mid-Hudson | Salisbury Bank & Trust Co. |
| Mid-Hudson | Savings Bank of Danbury |
| Mid-Hudson | TD Bank, NA |
| Mid-Hudson | Titan Bank, NA |
| Mid-Hudson | Trustco Bank |
| Mid-Hudson | Ulster Savings Bank |
| Mid-Hudson | Webster Bank, NA |
| Mid-Hudson | Wells Fargo Bank, NA |
| Mohawk Valley | Adirondack Bank |
| Mohawk Valley | AmeriCU Federal Credit Union |
| Mohawk Valley | Bank of Utica |
| Mohawk Valley | Berkshire Bank |
| Mohawk Valley | Citizens Bank, NA |
| Mohawk Valley | Community Bank, NA |
| Mohawk Valley | Five Star Bank |
| Mohawk Valley | KeyBank NA |
| Mohawk Valley | M&T Bank |
| Mohawk Valley | NBT Bank, NA |
| Mohawk Valley | Pursuit BDC (NYBDC) |
| Mohawk Valley | USNY Bank |
| New York City | 1st Constitution Bank |
| New York City | Abacus Federal Savings Bank |
| New York City | Accion East |
| New York City | Alma Bank |
| New York City | Amerasia Bank |
| New York City | Bank of America, NA |
| New York City | Bank of Hope |
| New York City | Berkshire Bank |
| New York City | BNB Bank |
| New York City | BOC Capital Corp. |
| New York City | Brooklyn Cooperative FCU |
| New York City | Business Center for New Americans |
| New York City | Capital One, NA |
| New York City | Citibank, NA |
| New York City | Citizens Bank, NA |
| New York City | Connect One Bank |
| New York City | Dime Community Bank |
| New York City | Empire National Bank |
| New York City | Empire State Bank |
| New York City | Fifth Third Bank |
| New York City | Financial Resources FCU |
| New York City | First Bank |
| New York City | First Chatham Bank |
| New York City | First Home Bank |
| New York City | First Savings Bank |
| New York City | Five Star Bank |
| New York City | Flushing Bank |
| New York City | Hanmi Bank |
| New York City | HSBC, Bank USA, NA |
| New York City | Hudson Valley CU |
| New York City | JP Morgan Chase Bank, NA |
| New York City | KeyBank NA |
| New York City | Lower East Side FCU |
| New York City | M&T Bank |
| New York City | Mahopac Bank |
| New York City | Metro City Bank |
| New York City | NDC Grow America Fund |
| New York City | Neighborhood Trust FCU |
| New York City | New Millennium Bank |
| New York City | NewBank |
| New York City | Newtek Small Business Finance, Inc. |
| New York City | Noah Bank |
| New York City | Northeast Bank |
| New York City | Patriot Bank, NA |
| New York City | Peoples United Bank, NA |
| New York City | Pursuit BDC (NYBDC) |
| New York City | Renaissance Economic Dev. Corp. |
| New York City | Rhinebeck Bank |
| New York City | Santander Bank, NA |
| New York City | Savings Bank of Danbury |
| New York City | Savoy Bank |
| New York City | Shinhan Bank America |
| New York City | Spring Bank |
| New York City | TD Bank, NA |
| New York City | The Bancorp Bank |
| New York City | The First National Bank of Long Island |
| New York City | Ulster Savings Bank |
| New York City | Webster Bank, NA |
| New York City | Wells Fargo Bank, NA |
| New York City | Woori America Bank |
| North Country | Adirondack Bank |
| North Country | Berkshire Bank |
| North Country | Champlain National Bank |
| North Country | Community Bank, NA |
| North Country | Five Star Bank |
| North Country | KeyBank NA |
| North Country | M&T Bank |
| North Country | NBT Bank, NA |
| North Country | Pursuit BDC (NYBDC) |
| North Country | Seacomm Federal Credit Union |
| North Country | Solvay Bank |
| North Country | Watertown Savings Bank |
| Southern Tier | Alternatives Credit Union |
| Southern Tier | Berkshire Bank |
| Southern Tier | Chemung Canal Trust Company |
| Southern Tier | Community Bank, NA |
| Southern Tier | Corning Federal Credit Union |
| Southern Tier | Elmira Savings Bank |
| Southern Tier | First Heritage FCU |
| Southern Tier | First National Bank of Dryden |
| Southern Tier | First National Bank of Groton |
| Southern Tier | Five Star Bank |
| Southern Tier | KeyBank NA |
| Southern Tier | Lyons National Bank |
| Southern Tier | M&T Bank |
| Southern Tier | Maple City Savings |
| Southern Tier | NBT Bank, NA |
| Southern Tier | Pursuit BDC (NYBDC) |
| Southern Tier | Steuben Trust Co. |
| Southern Tier | Tioga State Bank |
| Southern Tier | Tompkins Trust Company |
| Southern Tier | Visions Federal Credit Union |
| Southern Tier | Wayne Bank |
| Western NY | Alden State Bank |
| Western NY | Bank of Akron |
| Western NY | Bank of America, NA |
| Western NY | Bank of Cattaraugus |
| Western NY | Bank of Holland |
| Western NY | Bank on Buffalo |
| Western NY | Berkshire Bank |
| Western NY | Cattaraugus County Bank |
| Western NY | Citizens Bank, NA |
| Western NY | Community Bank, NA |
| Western NY | Cornerstone Community FCU |
| Western NY | Evans Bank |
| Western NY | Fairport Savings Bank |
| Western NY | First Citizens Community Bank |
| Western NY | Five Star Bank |
| Western NY | Hamlin Bank and Trust |
| Western NY | HSBC, Bank USA, NA |
| Western NY | KeyBank NA |
| Western NY | Lake Shore Savings Bank |
| Western NY | M&T Bank |
| Western NY | NBT Bank, NA |
| Western NY | Niagara’s Choice FCU |
| Western NY | Northwest Bank |
| Western NY | Olean Area FCU |
| Western NY | Pursuit BDC (NYBDC) |
| Western NY | Seacomm Federal Credit Union |
| Western NY | Steuben Trust Co. |
| Western NY | The Bank of Castile |
| Statewide | Berkshire Bank |
| Statewide | Capital One, NA |
| Statewide | Citizens Bank, NA |
| Statewide | Five Star Bank |
| Statewide | JP Morgan Chase Bank, NA |
| Statewide | KeyBank NA |
| Statewide | M&T Bank |
| Statewide | Pursuit BDC (NYBDC) |
| Statewide | TD Bank, NA |
| Statewide | Wells Fargo Bank, NA |
Frequently Asked Questions
Q: What are SBA loans and how do they work in New York?
A: SBA loans are government-backed loans provided through approved lenders in New York. The Small Business Administration guarantees a portion of the loan, reducing risk for lenders and allowing them to offer more favorable terms to New York small businesses. The lender provides the funds while the SBA guarantees repayment up to a certain percentage, typically 75-85% depending on the program. This structure enables New York entrepreneurs to access capital with lower down payments, longer repayment terms, and competitive interest rates compared to conventional business loans.
Q: What types of SBA loans are available to New York businesses?
A: New York businesses can access various SBA loan programs including:
- SBA 7(a) loans: The most common program for general business purposes with loans up to $5 million
- SBA 504 loans: For major fixed asset purchases like real estate or equipment
- SBA Microloans: Smaller loans up to $50,000 for startups and smaller businesses
- SBA Express loans: Faster approval process with loans up to $500,000
- SBA Disaster loans: Special assistance for businesses affected by declared disasters
Q: What are the minimum requirements to qualify for an SBA loan in New York?
A: To qualify for an SBA loan in New York, businesses typically need:
- For-profit operation based in New York
- Owner-occupied (not primarily for investment)
- Good personal credit (typically 650+ FICO score)
- Sufficient cash flow to support loan payments
- No recent bankruptcies, foreclosures, or defaults on government loans
- Reasonable owner equity investment (typically 10-30% depending on the program)
- Operating history of at least 2 years (though some lenders work with startups)
Q: How do New York SBA lenders support businesses in the financial technology and financial services sectors?
A: New York’s position as a global financial center has created specialized SBA lending expertise in these sectors. Several New York lenders have developed industry-specific loan packages designed for fintech startups, wealth management firms, specialized financial service providers, and financial technology developers. These lenders understand the unique regulatory considerations, capital needs, and growth trajectories of financial businesses and can structure loans accordingly. Some New York SBA lenders coordinate with organizations like the FinTech Innovation Lab, Empire State Development’s financial services initiatives, and the Partnership Fund for New York City to provide comprehensive support. These specialized lending programs have helped strengthen New York’s fintech ecosystem by financing innovative businesses that complement the state’s established financial institutions, with particular attention to companies developing technologies that improve financial inclusion, streamline compliance, enhance security, and create more efficient financial markets. As New York continues evolving as a hub for financial innovation that bridges traditional finance and emerging technologies, these lenders provide crucial capital that helps entrepreneurs navigate this rapidly changing landscape.
Q: Are there special SBA loan programs for New York’s creative industries and media businesses?
A: Yes, New York’s prominence in creative sectors has influenced local SBA lending practices. Several New York lenders offer tailored loan packages for film production companies, digital media studios, fashion designers, publishing houses, advertising agencies, and other creative enterprises. These lenders understand the project-based nature of many creative businesses and can structure loans to accommodate industry patterns. Some New York SBA lenders coordinate with organizations like the Mayor’s Office of Media and Entertainment, the Fashion Institute of Technology, and various industry guilds to help businesses access both financing and industry support. These specialized lending programs have helped strengthen New York’s position as a global creative capital by financing businesses that drive cultural innovation while creating significant economic impact. From Brooklyn’s independent film scene to Manhattan’s fashion houses to the growing digital media clusters in multiple boroughs, these lenders have developed expertise in financing creative enterprises that balance artistic vision with business sustainability, helping maintain New York’s competitive edge in these prestigious but often financially challenging industries.
Q: How do New York SBA lenders help businesses in the technology and innovation sectors?
A: New York’s thriving tech ecosystem has created specialized lending expertise for innovation-driven businesses. Several New York SBA lenders offer industry-specific loan packages designed for software developers, biotechnology companies, artificial intelligence startups, and other technology innovators across the state from New York City’s Silicon Alley to the growing tech corridors in Buffalo, Rochester, and Albany. These lenders understand the unique growth trajectories of technology businesses and can structure loans accordingly. Some New York lenders coordinate with organizations like Tech:NYC, NY Tech Alliance, and the state’s network of innovation centers and incubators to provide comprehensive support. While early-stage startups typically rely on venture capital, SBA loans become viable options as tech companies reach revenue generation and scaling phases. These specialized lending programs have helped strengthen New York’s position as a leading technology hub by financing businesses that leverage the state’s diverse talent pool, research institutions, and industry expertise to create innovative solutions across multiple sectors. As competition for tech talent intensifies nationally, these lenders help finance the facilities, equipment, and growth initiatives that help New York companies attract and retain skilled professionals.
Q: Can manufacturing and industrial businesses in New York access specialized SBA financing?
A: Yes, New York’s industrial heritage and manufacturing resurgence benefit from specialized SBA lending expertise. Several New York lenders offer tailored loan packages for advanced manufacturers, food processors, specialty producers, and industrial technology companies. These lenders understand the capital-intensive nature of manufacturing and can structure loans for equipment, facilities, and technology adoption. Some New York SBA lenders coordinate with organizations like FuzeHub, the Manufacturing Association of Central New York, and regional industrial development agencies to provide comprehensive support. These specialized programs have supported New York’s manufacturing evolution by financing businesses that are modernizing production processes, implementing automation, and developing specialized products for global markets. From Brooklyn’s maker movement to the advanced manufacturing corridors in Western and Central New York, these lenders have developed expertise in helping companies navigate the transition from traditional manufacturing to higher-value production that leverages New York’s skilled workforce and innovation ecosystem. As reshoring trends continue, these lenders provide crucial capital for manufacturers expanding or establishing operations throughout the state.
Q: How do New York SBA lenders support minority-owned businesses and entrepreneurs in underserved communities?
A: New York’s extraordinary diversity has led to specialized lending approaches for businesses in historically underserved communities. Several New York SBA lenders have developed programs specifically focused on expanding capital access for entrepreneurs of color throughout the five boroughs and across the state. These lenders often coordinate with organizations like the Harlem Commonwealth Council, the New York Women’s Chamber of Commerce, and the Asian American Business Development Center to provide culturally responsive support. Some New York lenders participate in the SBA Community Advantage program and other initiatives specifically designed to increase lending in underserved markets. These specialized lending programs align with New York’s commitment to inclusive economic development by providing targeted outreach, technical assistance, and financing structures that address the specific challenges minority entrepreneurs may face. From neighborhood-serving businesses in the Bronx to innovative startups in Queens to manufacturing enterprises in Buffalo’s revitalizing neighborhoods, these lenders help finance diverse business ventures that strengthen local economies while creating pathways to wealth creation in communities that have historically faced barriers to capital access.
Q: Are there specialized SBA loan programs for New York’s immigrant entrepreneurs?
A: Yes, New York’s immigrant communities have influenced local SBA lending practices. Several New York SBA lenders have developed specialized programs focused on expanding capital access for immigrant entrepreneurs, particularly in diverse communities throughout the five boroughs and in cities like Buffalo, Syracuse, and Rochester. These lenders often coordinate with organizations like the Business Center for New Americans, the New York Immigration Coalition, and various cultural business associations to provide culturally responsive support. Some New York lenders offer multilingual services and flexible documentation requirements that recognize the unique challenges faced by immigrant entrepreneurs. These specialized lending programs align with New York’s identity as a global gateway by providing tailored assistance that helps newcomers navigate the financial system, build credit histories, and access the capital needed to start and grow businesses that create jobs and revitalize neighborhoods. From restaurants showcasing global cuisines to specialized retail serving immigrant communities to professional services bridging cultures, these lenders help finance diverse business ventures that contribute to New York’s reputation as one of the world’s most cosmopolitan business environments.
Q: How do New York SBA lenders support businesses in the clean energy and sustainability sectors?
A: New York’s ambitious climate goals have created specialized lending expertise for sustainability-focused businesses. Several New York lenders offer tailored loan packages for renewable energy developers, energy efficiency contractors, clean transportation companies, and environmental technology firms. These lenders understand the policy environment created by initiatives like the Climate Leadership and Community Protection Act and can structure loans accordingly. Some New York SBA lenders coordinate with organizations like NYSERDA, the New York Green Bank, and regional clean energy incubators to provide comprehensive support. These specialized programs have supported New York’s clean energy transition by financing businesses that implement renewable energy systems, develop energy-efficient technologies, and create climate solutions, with particular attention to projects that help communities and businesses achieve sustainability goals while creating economic opportunities in this growing sector. From solar installers in Long Island to energy efficiency contractors in the Hudson Valley to clean transportation innovators in the Capital Region, these lenders help finance the businesses that are building New York’s sustainable economy while addressing the state’s climate priorities.
Q: How do New York SBA lenders support businesses in the tourism, hospitality, and culinary sectors?
A: New York’s world-class tourism appeal has created specialized lending expertise for hospitality businesses. Several New York SBA lenders offer industry-specific loan packages designed for hotels, restaurants, attractions, tour operators, and cultural venues from Manhattan to Niagara Falls to the Adirondacks. These lenders understand the unique operational considerations of hospitality businesses and can structure loans accordingly. Some New York lenders coordinate with organizations like NYC & Company, the New York State Restaurant Association, and regional tourism promotion agencies to provide comprehensive support. These specialized lending programs have helped strengthen New York’s position as a premier destination by financing businesses that enhance visitor experiences throughout the state’s diverse regions. From Brooklyn’s innovative restaurant scene to boutique hotels in the Finger Lakes to cultural attractions in the Hudson Valley, these lenders have developed expertise in financing hospitality concepts that showcase New York’s distinctive character while creating significant employment opportunities. As tourism continues evolving post-pandemic, these lenders provide crucial capital that helps businesses adapt to changing visitor preferences while maintaining the authentic experiences that make New York an iconic destination.
Q: What other resources are available for SBA loans?
A: Other resources provided by Bigger Bottom Line include:
Q: How do I get assistance in getting an SBA or other business loan?
A: Contact the experts! We can assist from advising which lenders to submit to all the way through to developing & submitting a complete business loan package and anything in between. Contact us now for a free evaluation.