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County28th of 62 in New York by approvalsFIPS 36013
SBA loans in Chautauqua 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 92 loans to businesses in Chautauqua County, New York, in FY2021 to FY2025, worth $26.4M: 88 under 7(a) and 4 under 504.
That is 34.1 approvals per 1,000 business establishments (2,695 establishments in 2023), close to the New York figure of 38.1 and below the national 41.0.
It ranks 28th of 62 New York counties with approvals. In FY2025 there were 28, up 12% on FY2024.
22 lenders had approvals here; the most active were Manufacturers and Traders Trust Company (43), Northwest Bank (11) and KeyBank National Association (8). 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 Chautauqua County
By number of approvals to businesses in the county, FY2021–FY2025; 22 lenders had at least one.
| # | Lender | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Manufacturers and Traders Trust CompanyBuffalo, NY | 43 | $4.0M | 46.7% | |
| 2 | Northwest BankWarren, PA | 11 | $1.0M | 12.0% | |
| 3 | KeyBank National AssociationCleveland, OH | 8 | $1.9M | 8.7% | |
| 4 | Five Star BankRochester, NY | 5 | $3.5M | 5.4% | |
| 5 | Empire State Certified Development CorporationLatham, NY · CDC | 4 | $986K | 4.3% | |
| 6 | Community Bank, National AssociationCanton, NY | 3 | $255K | 3.3% | |
| 7 | New York Business Development CorporationLatham, NY | 2 | — | 2.2% | |
| 8 | Readycap Lending, LLCBerkeley Heights, NJ | 2 | — | 2.2% | |
| 9 | Stearns Bank National AssociationSaint Cloud, MN | 1 | — | 1.1% | |
| 10 | Gulf Coast Bank and Trust CompanyNew Orleans, LA | 1 | — | 1.1% | |
| 11 | Southern Michigan Bank & TrustColdwater, MI | 1 | — | 1.1% | |
| 12 | Byline BankChicago, IL | 1 | — | 1.1% | |
| 13 | BayFirst National BankSaint Petersburg, FL | 1 | — | 1.1% | |
| 14 | Centerstone SBA Lending, Inc.Los Angeles, CA | 1 | — | 1.1% | |
| 15 | Live Oak Banking CompanyWilmington, NC | 1 | — | 1.1% |
Industries
| # | Industry group (NAICS 4-digit) | Approvals | Share | |
|---|---|---|---|---|
| 1 | Restaurants and Other Eating PlacesNAICS 7225 | 12 | 13.0% | |
| 2 | Other Personal ServicesNAICS 8129 | 6 | 6.5% | |
| 3 | Services to Buildings and DwellingsNAICS 5617 | 6 | 6.5% | |
| 4 | Automotive Repair and MaintenanceNAICS 8111 | 5 | 5.4% | |
| 5 | Offices of Other Health PractitionersNAICS 6213 | 4 | 4.3% | |
| 6 | Other Specialty Trade ContractorsNAICS 2389 | 4 | 4.3% | |
| 7 | Furniture and Home Furnishings RetailersNAICS 4491 | 3 | 3.3% | |
| 8 | Consumer Goods RentalNAICS 5322 | 3 | 3.3% | |
| 9 | Specialty Food StoresNAICS 4452 | 3 | 3.3% | |
| 10 | Residential Building ConstructionNAICS 2361 | 3 | 3.3% |
Sectors
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Retail Trade | 18 | 19.6% | |
| 2 | Accommodation and Food Services | 17 | 18.5% | |
| 3 | Other Services (except Public Administration) | 13 | 14.1% | |
| 4 | Construction | 10 | 10.9% | |
| 5 | Administrative and Support and Waste Management and Remediation Services | 7 | 7.6% | |
| 6 | Manufacturing | 6 | 6.5% | |
| 7 | Real Estate and Rental and Leasing | 5 | 5.4% | |
| 8 | Health Care and Social Assistance | 4 | 4.3% |
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* | 20 | $3.8M | $73K | 1 | — | 21 | 99 |
| FY2025 | 27 | $8.3M | $92K | 1 | — | 28 | 256 |
| FY2024 | 25 | $5.9M | $65K | 0 | — | 25 | 164 |
| FY2023 | 12 | $6.4M | $50K | 1 | — | 13 | 60 |
| FY2022 | 9 | $733K | $50K | 2 | — | 11 | 63 |
| FY2021 | 15 | $4.0M | $100K | 0 | — | 15 | 78 |
| FY2020 | 12 | $2.9M | $100K | 3 | $2.4M | 15 | 70 |
| FY2019 | 21 | $6.3M | $68K | 0 | — | 21 | 98 |
| FY2018 | 25 | $3.0M | $29K | 0 | — | 25 | 77 |
| FY2017 | 33 | $10.3M | $100K | 0 | — | 33 | 530 |
| FY2016 | 40 | $11.1M | $44K | 1 | — | 41 | 237 |
In FY2016–FY2020, the five fiscal years before the current window, the county had 135 approvals.
Against New York and the country
| FY2021–FY2025 | Chautauqua County | New York | United States |
|---|---|---|---|
| Approvals | 92 | 20,639 | 342,825 |
| Approvals per 1,000 establishments | 34.1 | 38.1 | 41.0 |
| Median 7(a) approval | $73K | $130K | $190K |
| Median 504 approval | $222K | $685K | $657K |
| Average approval | $287K | $414K | $573K |
| 504 share of approvals | 4.3% | 6.1% | 11.0% |
| Jobs supported per approval, as reported | 6.8 | 8.0 | 10.5 |
| Share of state approvals | 0.4% | 100.0% | — |
Approval sizes
- $50,000 or less44.6%41
- $50,001 to $150,00022.8%21
- $150,001 to $350,00013.0%12
- $350,001 to $1 million14.1%13
- $1 million to $2 million2.2%2
- Over $2 million3.3%3
Age of the businesses
- Existing, more than 2 years old46.7%43
- New business, 2 years or less26.1%24
- Startup, loan funds will open the business14.1%13
- Change of ownership13.0%12
Questions and answers
Which lenders make the most SBA loans in Chautauqua County?
By approvals in FY2021 to FY2025: Manufacturers and Traders Trust Company (43), Northwest Bank (11), KeyBank National Association (8), Five Star Bank (5), Empire State Certified Development Corporation (4). Volume says how active a lender is, nothing about terms or service.
How large are typical SBA loans in Chautauqua County?
The median 7(a) approval was $73K and the median 504 approval $222K; the New York 7(a) median was $130K.
Which industries get the most SBA loans in Chautauqua County?
Restaurants and Other Eating Places (12); Other Personal Services (6); Services to Buildings and Dwellings (6); Automotive Repair and Maintenance (5); Offices of Other Health Practitioners (4).
Is SBA lending in Chautauqua County rising?
Approvals in the three latest complete fiscal years total 66, against 41 in the three before: rising (+61%).
How does Chautauqua County compare with the rest of New York?
34.1 approvals per 1,000 establishments against 38.1 statewide, and 92 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