SBA lending data · fiscal year 2025

26 lenders funded plumbing, heating, and air-conditioning contractors in New York last year

86 SBA 7(a) loans approved under NAICS 238220. Median approval $162,500, median term 120 months, median initial rate 11%.

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What was actually approved

86
loans approved
26
distinct lenders
$58k
25th percentile
$300k
75th percentile

Half of all approvals in this industry and state fell between $57,500 and $300,000. 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.

  1. 1TD Bank, National Association17 loans · $1.9M
  2. 2JPMorgan Chase Bank, National Association12 loans · $4.7M
  3. 3Manufacturers and Traders Trust Company10 loans · $1M
  4. 4Northeast Bank9 loans · $1.6M
  5. 5Five Star Bank4 loans · $0.2M
  6. 6KeyBank National Association4 loans · $0.1M
  7. 7BayFirst National Bank3 loans · $0.4M
  8. 8Live Oak Banking Company3 loans · $2.2M
  9. 9Readycap Lending, LLC2 loans · $1M
  10. 10Celtic Bank Corporation2 loans · $0.3M
  11. 11Grasshopper Bank National Association2 loans · $0.7M
  12. 12Lendistry SBLC, LLC2 loans · $0.7M

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
FY20236522$121,500
FY20248423$150,000
FY20258626$162,500

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

Plumbing, Heating, and Air-Conditioning Contractors in other states

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