SBA lending data · fiscal year 2025
18 lenders funded commercial and institutional building construction in New York last year
45 SBA 7(a) loans approved under NAICS 236220. Median approval $220,000, median term 120 months, median initial rate 10.5%.
What was actually approved
Half of all approvals in this industry and state fell between $105,000 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.
- 1JPMorgan Chase Bank, National Association9 loans · $2.3M
- 2TD Bank, National Association7 loans · $0.9M
- 3Manufacturers and Traders Trust Company5 loans · $0.4M
- 4Northeast Bank5 loans · $1.7M
- 5Readycap Lending, LLC3 loans · $5.9M
- 6Webster Bank National Association3 loans · $1M
- 7Newtek Bank, National Association2 loans · $2.6M
- 8Chemung Canal Trust Company1 loan · $0.2M
- 9First Internet Bank of Indiana1 loan · $2M
- 10The Adirondack Trust Company1 loan · $0.1M
- 11BayFirst National Bank1 loan · $0.2M
- 12Lendistry SBLC, LLC1 loan · $0.3M
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 | 47 | 10 | $150,000 |
| FY2024 | 48 | 15 | $150,000 |
| FY2025 | 45 | 18 | $220,000 |
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
Commercial and Institutional Building Construction in other states
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