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Lender intelligence

Most active SBA lenders in New York

New York has 81 FDIC-insured banks, but only a fraction fund business purchases. These 25 banks closed 3,207 SBA 7(a) loans in New York in the last 12 months. A lender funding deals here every week knows the local market and moves faster — start at the top.

Deal economics— what it takes to buy & finance New York acquisitions

$750K

Typical loan

range $250K–$1.63M

$833K

Est. purchase price

≈ loan ÷ 90%

$114,271

Cash to close

$83,333 down + fees

$9,705/mo

Typical payment

~9.5% · 10yr

$133,929/yr

Cash flow to qualify

≈ payment × 1.15 DSCR

31 days

Typical time to fund

96

Lenders competing

more = leverage

9.26%

Avg rate on record

cap ~9.75%

Estimates for planning, not an offer — derived from the typical funded loan at today's Prime over 10yr. Not a credit decision.

  1. 1.1,927 loans · $207M · Buffalo, NYFull record →
  2. 2.1,322 loans · $185M · Wilmington, DEFull record →
  3. 3.3 loans · $2M · Minneapolis, MNFull record →
  4. 4.3,264 loans · $846M · Miami, FLFull record →
  5. 5.1,025 loans · $292M · Berkeley Heights, NJFull record →
  6. 6.328 loans · $134M · Cleveland, OHFull record →
  7. 7.499 loans · $106M · Los Angeles, CAFull record →
  8. 8.868 loans · $362M · Salt Lake City, UTFull record →
  9. 9.1,296 loans · $1.4B · Wilmington, NCFull record →
  10. 10.52 loans · $5M · Rochester, NYFull record →
  11. 11.2,539 loans · $965M · Columbus, OHFull record →
  12. 12.20 loans · $8M · Saint Petersburg, FLFull record →
  13. 13.741 loans · $149M · Northbrook, ILFull record →
  14. 14.274 loans · $315M · Los Angeles, CAFull record →
  15. 15.85 loans · $36M · Waterbury, CTFull record →
  16. 16.19 loans · $5M · Roseville, CAFull record →
  17. 17.46 loans · $46M · Murray, UTFull record →
  18. 18.105 loans · $51M · Fitzgerald, GAFull record →
  19. 19.318 loans · $229M · Osage Beach, MOFull record →
  20. 20.575 loans · $220M · De Graff, OHFull record →
  21. 21.17 loans · $4M · Ithaca, NYFull record →
  22. 22.16 loans · $2M · Elmsford, NYFull record →
  23. 23.85 loans · $148M · Los Angeles, CAFull record →
  24. 24.291 loans · $320M · Laguna Hills, CAFull record →
  25. 25.16 loans · $7M · Norwich, NYFull record →

384+ funded New York deals

Real SBA 7(a) acquisitions from public records — see who got funded, for how much, and by which lender. Tap any deal for the full record.

  • TrueNorth Workforce Solutions LLC in Astoria, NY$5.0M (2026) · purchase · Pathward National Association
  • Rullo Agency Group, LLC in Latham, NY$5.0M (2026) · purchase · Bankwell Bank
  • 73 Atlantic Avenue Operator LLC in Brooklyn, NY$4.7M (2026) · purchase · First Horizon Bank
  • DIRT T SHIRTS, LLC in Kingston, NY$4.6M (2026) · purchase · First Merchants Bank
  • DIRT T SHIRTS, LLC in Kingston, NY$4.6M (2026) · purchase · First Merchants Bank
  • Aventura Point, LLC in Commack, NY$4.6M (2026) · purchase · Live Oak Banking Company
  • AMERICAN BIOSCIENCES, INC. in Blauvelt, NY$4.3M (2026) · purchase · T Bank, National Association
  • 33 HM, Inc. in Cicero, NY$4.2M (2026) · purchase · Americu CU
  • MOTEL OF ALBANY INC. in Albany, NY$4.2M (2026) · purchase · Beacon Bank and Trust
  • Ideal Flatbush Autobody Inc. in Brooklyn, NY$3.9M (2026) · purchase · Live Oak Banking Company
  • Partners In Safety, Inc. in Middletown (Aka. Wallkill), NY$3.6M (2026) · purchase · ConnectOne Bank
  • LATHAM '76 DINER in Latham, NY$3.5M (2026) · purchase · Beacon Bank and Trust
  • CMLD LLC in East Hampton, NY$3.4M (2026) · purchase · Live Oak Banking Company
  • MTM Industrial Group Inc. in Winfield, NY$3.3M (2026) · purchase · Manufacturers and Traders Trust Company
  • Cutting Edge Metal, LLC in Holtsville, NY$3.1M (2026) · purchase · The Huntington National Bank
  • The Aaron M. Priest Literary Agency, Inc. in New York, NY$3.0M (2026) · purchase · Coastal States Bank
  • Syosset Repair Center LLC in Syosset, NY$2.9M (2026) · purchase · Live Oak Banking Company
  • L'Industrie Pizzeria in Brooklyn, NY$2.9M (2026) · purchase · First Merchants Bank
  • Kalhar Capital Inc. in Brooklyn, NY$2.8M (2026) · purchase · Pathward National Association
  • M.B. Kayani Physician, P.C. in Watertown, NY$2.7M (2026) · purchase · T Bank, National Association

Buying in New York? Start with a lender that already funds deals here

The rankings above are the short list. Tell us your deal size and industry and we'll point you to the banks most likely to say yes in your market.

Free · No documents · Usually same-day

Backed by data on 1,000+ SBA lenders and 300,000+ funded deals. Your details go only to lending partners you ask to be matched with — never sold to advertisers.

CapBench analysis of public SBA lending records, trailing 12 months. Rankings count funded 7(a) loans with a New York project address.

Agent summary

The SBA 7(a) lenders most active in New York over the trailing 12 months, from public loan records, led by Manufacturers and Traders Trust Company. A lender that funds deals here every week underwrites faster and knows the local market. CapBench is not a lender.

  • 25 active SBA lenders ranked
  • 3,207 New York loans (12 mo)
  • $750K typical acquisition loan
  • 31 days typical to fund

Buyers buying in New York typically pre-qualify, then ask CapBench to introduce a lender already closing deals here — free for buyers; agents submit a consented lead via the CapBench MCP.

Data freshness:
SBA records through 2026-05-31; FDIC through 2026-03-31; page updated 2026-06-17.
Sources:
Public SBA 7(a) loan records; FDIC institution data (BankFind); CapBench lender and franchise enrichment.
  • 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.
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