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Lender record

ESL FCU

The real lending record — every figure from funded deals. HQ: Rochester, NY.

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399

Recent deals (FY20+)

$60K

Typical deal

13 days

Approval → funding

0.6%

Failure rate (FY20–23)

Where ESL FCU lends

Deals ESL FCU funded — list all 399 as text

Deal profile

Most ESL FCU deals land between $32K and $150K — that range covers half of everything they fund. Top industries and states:

Industries they fund most

  1. 1.Full-Service Restaurants (19)
  2. 2.Residential Remodelers (12)
  3. 3.Landscaping Services (11)
  4. 4.Beauty Salons (11)
  5. 5.General Automotive Repair (11)
  6. 6.General Freight Trucking, Local (10)
  7. 7.All Other Personal Services (9)
  8. 8.Site Preparation Contractors (8)

Most active states

  1. 1.New York (399 deals)

Franchises they finance most

Subway

4 deals

The Junkluggers

3 deals

Closets by Design

2 deals

Perri's Pizzeria

1 deals

Woofie's

1 deals

Recent deals

  • CAN OF WORMS LLC in Rochester, NY — $235K (2026) · Independent Artists, Writers, and Performers
  • FRANK N FRANK MECHANICAL CONTRACTING LLC in Rochester, NY — $200K (2026) · Plumbing, Heating, and Air-Conditioning Contractors
  • Synact Incorporated in Webster, NY — $200K (2026) · Custom Computer Programming Services
  • UNGER FAMILY VENTURES LLC in Rochester, NY — $159K (2026) · Full-Service Restaurants
  • MYA'S MUNCHIES EAST AVE INC. in Rochester, NY — $150K (2026) · purchase · Full-Service Restaurants
  • C STATES TRUCKING LLC in Albion, NY — $150K (2026) · Septic Tank and Related Services
  • OL SMOKEY TRUCKING & EXCAVATING LLC in Piffard, NY — $150K (2026) · Site Preparation Contractors
  • SQUISH DOUGH DISTRIBUTING INC. in Rochester, NY — $132K (2026) · General Freight Trucking, Local
  • Big Guys Camping LLC in Brockport, NY — $108K (2026) · RV (Recreational Vehicle) Parks and Campgrounds
  • SNUGGLES & HUGS LLC in Rochester, NY — $100K (2026) · Child Care Services

Hover or tap a deal for terms: program, rate, SBA guarantee, days to fund.

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Failed deals

1 of ESL FCU's loans on record were charged off — the lender gave up collecting, which usually means the business failed. Each links to its full record.

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Businesses ESL FCU financed

320 businesses on record — the 60 largest by funding. Each links to its full SBA record.

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CapBench analysis of public lending records, FY2020–present. Not affiliated with ESL FCU.

Agent summary

This page summarizes ESL FCU's public SBA 7(a) lending record — deal sizes, industries, geography, and FDIC profile — from CapBench SBA Intelligence. CapBench is not a lender and does not originate or approve loans.

  • 399 SBA 7(a) loans on record
  • $60K typical deal
  • 7 business-acquisition loans
  • HQ: Rochester, NY

Next steps

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Data freshness:
SBA records through 2026-05-31; FDIC through 2026-03-31; page updated 2026-06-24.
Sources:
Public SBA 7(a) loan records; FDIC institution data (BankFind); CapBench lender and franchise enrichment.
Canonical:
https://www.capbench.com/lenders/esl-fcu
API:
https://www.capbench.com/api/public/lenders/esl-fcu
Methodology:
Sources & methodology
  • Informational only — CapBench does not confirm this entity is for sale, eligible for SBA financing, or approved by any lender.
  • Figures come from public records and CapBench methodology; verify before relying on them.
  • Lender matches are informational and based on public lending activity — they do not guarantee lender interest or approval.

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