SBA lending data · fiscal year 2025
18 lenders funded all other personal services in New York last year
57 SBA 7(a) loans approved under NAICS 812990. Median approval $150,000, median term 120 months, median initial rate 10.75%.
What was actually approved
Half of all approvals in this industry and state fell between $50,000 and $350,000. A request well outside that band is not impossible — it draws more scrutiny on collateral and management experience.
The most active lenders
Ranked by how many loans each actually approved in this industry and state — not by advertising spend. A lender that has written twenty of these already knows the questions to ask.
- 1Readycap Lending, LLC10 loans · $2.5M
- 2Manufacturers and Traders Trust Company8 loans · $1.3M
- 3Lendistry SBLC, LLC7 loans · $1.2M
- 4Northeast Bank6 loans · $1M
- 5The Huntington National Bank4 loans · $1.9M
- 6BayFirst National Bank3 loans · $0.4M
- 7TD Bank, National Association3 loans · $0.1M
- 8First Internet Bank of Indiana2 loans · $4.2M
- 9Newtek Bank, National Association2 loans · $5.2M
- 10Celtic Bank Corporation2 loans · $0.3M
- 11ESL FCU2 loans · $1M
- 12Webster Bank National Association2 loans · $0.6M
This list is not a recommendation and these lenders have no relationship with this site. It reports approvals recorded in U.S. Small Business Administration, FOIA 7(a) and 504 loan approval data (data.sba.gov), fiscal year 2025, as of 2026-06-30.
Is this industry getting easier or harder to finance?
| Fiscal year | Loans | Lenders | Median approval |
|---|---|---|---|
| FY2023 | 45 | 16 | $45,000 |
| FY2024 | 44 | 24 | $100,000 |
| FY2025 | 57 | 18 | $150,000 |
Only completed fiscal years are shown. The SBA fiscal year ends 30 September; a partial year compared against full ones makes any industry look like it is closing.
Where this comes from
The SBA publishes every approved 7(a) and 504 loan under FOIA: the lender, the borrower's state, the industry code, the amount, the term and the initial rate. We indexed 4 fiscal years of it, alongside Census and BLS data. Figures on this page are as published on 2026-06-30.
This page reports approvals. It says nothing about how many applications were declined, and it is not a prediction about yours. This site is not affiliated with, endorsed by, or approved by the U.S. Small Business Administration.
Other industries in New York
- Full-Service Restaurants · 260 loans
- Residential Remodelers · 161 loans
- Limited-Service Restaurants · 159 loans
- Beauty Salons · 103 loans
- Fitness and Recreational Sports Centers · 95 loans
- Plumbing, Heating, and Air-Conditioning Contractors · 86 loans
- All Other Specialty Trade Contractors · 78 loans
- General Automotive Repair · 71 loans
All Other Personal Services in other states
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