SBA lending data · fiscal year 2025

54 lenders funded full-service restaurants in New York last year

260 SBA 7(a) loans approved under NAICS 722511. Median approval $125,150, median term 120 months, median initial rate 11%.

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What was actually approved

260
loans approved
54
distinct lenders
$50k
25th percentile
$308k
75th percentile

Half of all approvals in this industry and state fell between $50,000 and $308,200. 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.

  1. 1Manufacturers and Traders Trust Company43 loans · $3.9M
  2. 2Northeast Bank38 loans · $6.3M
  3. 3TD Bank, National Association28 loans · $1.7M
  4. 4Newtek Bank, National Association18 loans · $8.3M
  5. 5JPMorgan Chase Bank, National Association12 loans · $2.3M
  6. 6KeyBank National Association11 loans · $1.4M
  7. 7Lendistry SBLC, LLC8 loans · $1.7M
  8. 8Readycap Lending, LLC8 loans · $4.7M
  9. 9The Huntington National Bank8 loans · $5.5M
  10. 10Five Star Bank5 loans · $0.5M
  11. 11ESL FCU5 loans · $0.3M
  12. 12NewBank4 loans · $5M

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 yearLoansLendersMedian approval
FY202318450$150,000
FY202423664$150,000
FY202526054$125,150

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 in other states

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