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County32nd of 62 in New York by approvalsFIPS 36009
SBA loans in Cattaraugus County, New York
7(a) and 504 approvals to businesses located in the county, set against the number of businesses there and against the state.
SBA approvals by fiscal year. The federal fiscal year runs 1 October to 30 September, so FY2025 is 1 October 2024 to 30 September 2025. *FY2026 is open: approvals to 30 Jun 2026 only.
SBA approved 73 loans to businesses in Cattaraugus County, New York, in FY2021 to FY2025, worth $8.7M: 73 under 7(a) and 0 under 504.
That is 48.6 approvals per 1,000 business establishments (1,501 establishments in 2023), above the New York figure of 38.1 and above the national 41.0.
It ranks 32nd of 62 New York counties with approvals. In FY2025 there were 19, up 19% on FY2024.
13 lenders had approvals here; the most active were Five Star Bank (26), Manufacturers and Traders Trust Company (23) and KeyBank National Association (6). The most common industry was restaurants and other eating places.
Loan status is as recorded by SBA at the data date; charge-off rates are computed on loans approved at least five fiscal years ago. Jobs supported are self-reported estimates from the SBA loan application, which SBA does not review, audit or validate. Data through 30 Jun 2026.
Lenders most active in Cattaraugus County
By number of approvals to businesses in the county, FY2021–FY2025; 13 lenders had at least one.
| # | Lender | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Five Star BankRochester, NY | 26 | $964K | 35.6% | |
| 2 | Manufacturers and Traders Trust CompanyBuffalo, NY | 23 | $1.1M | 31.5% | |
| 3 | KeyBank National AssociationCleveland, OH | 6 | $666K | 8.2% | |
| 4 | Community Bank, National AssociationCanton, NY | 3 | $823K | 4.1% | |
| 5 | Northeast BankLewiston, ME | 3 | $605K | 4.1% | |
| 6 | The Canandaigua National Bank and Trust CompanyCanandaigua, NY | 2 | — | 2.7% | |
| 7 | Celtic Bank CorporationSalt Lake City, UT | 2 | — | 2.7% | |
| 8 | High Point Federal Credit UnionOlean, NY | 2 | — | 2.7% | |
| 9 | BayFirst National BankSaint Petersburg, FL | 2 | — | 2.7% | |
| 10 | Newtek Small Business Finance, Inc.Lake Success, NY | 1 | — | 1.4% | |
| 11 | Newtek Bank, National AssociationMiami, FL | 1 | — | 1.4% | |
| 12 | Northwest BankWarren, PA | 1 | — | 1.4% | |
| 13 | Tompkins Community BankIthaca, NY | 1 | — | 1.4% |
Industries
| # | Industry group (NAICS 4-digit) | Approvals | Share | |
|---|---|---|---|---|
| 1 | Restaurants and Other Eating PlacesNAICS 7225 | 9 | 12.3% | |
| 2 | Automotive Repair and MaintenanceNAICS 8111 | 6 | 8.2% | |
| 3 | Building Finishing ContractorsNAICS 2383 | 6 | 8.2% | |
| 4 | Residential Building ConstructionNAICS 2361 | 4 | 5.5% | |
| 5 | Grocery StoresNAICS 4451 | 3 | 4.1% | |
| 6 | Building Material and Supplies DealersNAICS 4441 | 3 | 4.1% | |
| 7 | Special Food ServicesNAICS 7223 | 3 | 4.1% | |
| 8 | Support Activities for MiningNAICS 2131 | 2 | 2.7% | |
| 9 | Specialty Food StoresNAICS 4452 | 2 | 2.7% | |
| 10 | Automobile DealersNAICS 4411 | 2 | 2.7% |
Sectors
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Retail Trade | 17 | 23.3% | |
| 2 | Construction | 13 | 17.8% | |
| 3 | Accommodation and Food Services | 12 | 16.4% | |
| 4 | Other Services (except Public Administration) | 7 | 9.6% | |
| 5 | Manufacturing | 5 | 6.8% | |
| 6 | Transportation and Warehousing | 3 | 4.1% | |
| 7 | Arts, Entertainment, and Recreation | 3 | 4.1% | |
| 8 | Professional, Scientific, and Technical Services | 3 | 4.1% |
Approvals by fiscal year
| Fiscal year | 7(a) approvals | 7(a) dollars | Median 7(a) | 504 approvals | 504 dollars | All approvals | Jobs supported, as reported |
|---|---|---|---|---|---|---|---|
| FY2026* | 12 | $1.1M | $38K | 0 | — | 12 | 74 |
| FY2025 | 19 | $2.1M | $35K | 0 | — | 19 | 87 |
| FY2024 | 16 | $2.4M | $48K | 0 | — | 16 | 137 |
| FY2023 | 21 | $1.7M | $32K | 0 | — | 21 | 113 |
| FY2022 | 9 | $1.7M | $15K | 0 | — | 9 | 69 |
| FY2021 | 8 | $949K | $75K | 0 | — | 8 | 34 |
| FY2020 | 14 | $2.4M | $50K | 0 | — | 14 | 78 |
| FY2019 | 11 | $2.1M | $75K | 0 | — | 11 | 257 |
| FY2018 | 20 | $1.5M | $50K | 0 | — | 20 | 77 |
| FY2017 | 22 | $3.0M | $50K | 0 | — | 22 | 123 |
| FY2016 | 27 | $3.1M | $30K | 0 | — | 27 | 159 |
In FY2016–FY2020, the five fiscal years before the current window, the county had 94 approvals.
Against New York and the country
| FY2021–FY2025 | Cattaraugus County | New York | United States |
|---|---|---|---|
| Approvals | 73 | 20,639 | 342,825 |
| Approvals per 1,000 establishments | 48.6 | 38.1 | 41.0 |
| Median 7(a) approval | $35K | $130K | $190K |
| Median 504 approval | — | $685K | $657K |
| Average approval | $120K | $414K | $573K |
| 504 share of approvals | 0.0% | 6.1% | 11.0% |
| Jobs supported per approval, as reported | 6.0 | 8.0 | 10.5 |
| Share of state approvals | 0.4% | 100.0% | — |
Approval sizes
- $50,000 or less60.3%44
- $50,001 to $150,00020.5%15
- $150,001 to $350,0008.2%6
- $350,001 to $1 million9.6%7
- $1 million to $2 million1.4%1
Age of the businesses
- Existing, more than 2 years old58.9%43
- New business, 2 years or less20.5%15
- Startup, loan funds will open the business15.1%11
- Change of ownership5.5%4
Questions and answers
Which lenders make the most SBA loans in Cattaraugus County?
By approvals in FY2021 to FY2025: Five Star Bank (26), Manufacturers and Traders Trust Company (23), KeyBank National Association (6), Community Bank, National Association (3), Northeast Bank (3). Volume says how active a lender is, nothing about terms or service.
How large are typical SBA loans in Cattaraugus County?
The median 7(a) approval was $35K; the New York 7(a) median was $130K.
Which industries get the most SBA loans in Cattaraugus County?
Restaurants and Other Eating Places (9); Automotive Repair and Maintenance (6); Building Finishing Contractors (6); Residential Building Construction (4); Grocery Stores (3).
Is SBA lending in Cattaraugus County rising?
Approvals in the three latest complete fiscal years total 56, against 31 in the three before: rising (+81%).
How does Cattaraugus County compare with the rest of New York?
48.6 approvals per 1,000 establishments against 38.1 statewide, and 73 of the state's 20,639 approvals.
About these figures
Figures are totals of the Small Business Administration's 7(a) and 504 FOIA loan files, data through 30 Jun 2026. SBA updates the files quarterly. Counts are loan approvals, including approvals later cancelled; the five-year window is FY2021–FY2025, the five latest complete fiscal years. Charge-off rates use only loans approved in FY2010–FY2021, at least five fiscal years ago, and count disbursed loans SBA records as charged off. Loans are listed under the lender they are assigned to today. Establishment counts are from the Census Bureau's County Business Patterns 2023, which leaves out most farms, government and businesses without employees. Dollar figures behind fewer than three approvals are not shown, and no borrower is named anywhere on this site.Methodology · Report an error