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County41st of 62 in New York by approvalsFIPS 36019
SBA loans in Clinton 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.
Businesses in Clinton County, New York, received 53 SBA loan approvals worth $21.5M in FY2021 to FY2025 (46 7(a), 7 504).
That is 31.2 approvals per 1,000 business establishments (1,701 establishments in 2023), below the New York figure of 38.1 and below the national 41.0.
It ranks 41st of 62 New York counties with approvals. In FY2025 there were 18, up 13% on FY2024.
15 lenders had approvals here; the most active were TD Bank, National Association (22), Empire State Certified Development Corporation (7) and KeyBank National Association (4). The most common industry was building equipment contractors.
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 Clinton County
By number of approvals to businesses in the county, FY2021–FY2025; 15 lenders had at least one.
| # | Lender | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | TD Bank, National AssociationWilmington, DE | 22 | $1.9M | 41.5% | |
| 2 | Empire State Certified Development CorporationLatham, NY · CDC | 7 | $10.1M | 13.2% | |
| 3 | KeyBank National AssociationCleveland, OH | 4 | $1.5M | 7.5% | |
| 4 | Readycap Lending, LLCBerkeley Heights, NJ | 4 | $1.1M | 7.5% | |
| 5 | Arrow Bank National AssociationGlens Falls, NY | 4 | $250K | 7.5% | |
| 6 | Celtic Bank CorporationSalt Lake City, UT | 2 | — | 3.8% | |
| 7 | BayFirst National BankSaint Petersburg, FL | 2 | — | 3.8% | |
| 8 | New York Business Development CorporationLatham, NY | 1 | — | 1.9% | |
| 9 | Financial Resources Federal Credit UnionBranchburg, NJ | 1 | — | 1.9% | |
| 10 | Beacon Bank and TrustBrookline, MA | 1 | — | 1.9% | |
| 11 | Northeast BankLewiston, ME | 1 | — | 1.9% | |
| 12 | Live Oak Banking CompanyWilmington, NC | 1 | — | 1.9% | |
| 13 | The Huntington National BankColumbus, OH | 1 | — | 1.9% | |
| 14 | NBT Bank, National AssociationNorwich, NY | 1 | — | 1.9% | |
| 15 | Manufacturers and Traders Trust CompanyBuffalo, NY | 1 | — | 1.9% |
Industries
| # | Industry group (NAICS 4-digit) | Approvals | Share | |
|---|---|---|---|---|
| 1 | Building Equipment ContractorsNAICS 2382 | 6 | 11.3% | |
| 2 | Restaurants and Other Eating PlacesNAICS 7225 | 5 | 9.4% | |
| 3 | General Freight TruckingNAICS 4841 | 5 | 9.4% | |
| 4 | Foundation, Structure, and Building Exterior ContractorsNAICS 2381 | 2 | 3.8% | |
| 5 | Traveler AccommodationNAICS 7211 | 2 | 3.8% | |
| 6 | Remediation and Other Waste Management ServicesNAICS 5629 | 2 | 3.8% | |
| 7 | Offices of Other Health PractitionersNAICS 6213 | 2 | 3.8% | |
| 8 | Building Finishing ContractorsNAICS 2383 | 2 | 3.8% | |
| 9 | Residential Building ConstructionNAICS 2361 | 2 | 3.8% | |
| 10 | Automotive Repair and MaintenanceNAICS 8111 | 2 | 3.8% |
Sectors
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Construction | 13 | 24.5% | |
| 2 | Accommodation and Food Services | 8 | 15.1% | |
| 3 | Retail Trade | 6 | 11.3% | |
| 4 | Transportation and Warehousing | 6 | 11.3% | |
| 5 | Health Care and Social Assistance | 4 | 7.5% | |
| 6 | Agriculture, Forestry, Fishing and Hunting | 4 | 7.5% | |
| 7 | Administrative and Support and Waste Management and Remediation Services | 3 | 5.7% | |
| 8 | Manufacturing | 2 | 3.8% |
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* | 5 | $897K | $100K | 1 | — | 6 | 15 |
| FY2025 | 16 | $2.8M | $73K | 2 | — | 18 | 36 |
| FY2024 | 15 | $2.3M | $131K | 1 | — | 16 | 48 |
| FY2023 | 8 | $732K | $60K | 0 | — | 8 | 30 |
| FY2022 | 2 | — | — | 2 | — | 4 | 30 |
| FY2021 | 5 | $5.3M | $1.0M | 2 | — | 7 | 140 |
| FY2020 | 5 | $721K | $99K | 3 | $4.6M | 8 | 46 |
| FY2019 | 12 | $2.5M | $69K | 0 | — | 12 | 38 |
| FY2018 | 13 | $1.2M | $45K | 0 | — | 13 | 97 |
| FY2017 | 10 | $2.1M | $110K | 1 | — | 11 | 63 |
| FY2016 | 10 | $1.2M | $53K | 0 | — | 10 | 26 |
In FY2016–FY2020, the five fiscal years before the current window, the county had 54 approvals.
Against New York and the country
| FY2021–FY2025 | Clinton County | New York | United States |
|---|---|---|---|
| Approvals | 53 | 20,639 | 342,825 |
| Approvals per 1,000 establishments | 31.2 | 38.1 | 41.0 |
| Median 7(a) approval | $103K | $130K | $190K |
| Median 504 approval | $307K | $685K | $657K |
| Average approval | $406K | $414K | $573K |
| 504 share of approvals | 13.2% | 6.1% | 11.0% |
| Jobs supported per approval, as reported | 5.4 | 8.0 | 10.5 |
| Share of state approvals | 0.3% | 100.0% | — |
Approval sizes
- $50,000 or less30.2%16
- $50,001 to $150,00022.6%12
- $150,001 to $350,00030.2%16
- $350,001 to $1 million7.5%4
- $1 million to $2 million3.8%2
- Over $2 million5.7%3
Age of the businesses
- Existing, more than 2 years old56.6%30
- New business, 2 years or less32.1%17
- Startup, loan funds will open the business7.5%4
- Change of ownership3.8%2
Questions and answers
Which lenders make the most SBA loans in Clinton County?
By approvals in FY2021 to FY2025: TD Bank, National Association (22), Empire State Certified Development Corporation (7), KeyBank National Association (4), Readycap Lending, LLC (4), Arrow Bank National Association (4). Volume says how active a lender is, nothing about terms or service.
How large are typical SBA loans in Clinton County?
The median 7(a) approval was $103K and the median 504 approval $307K; the New York 7(a) median was $130K.
Which industries get the most SBA loans in Clinton County?
Building Equipment Contractors (6); Restaurants and Other Eating Places (5); General Freight Trucking (5); Foundation, Structure, and Building Exterior Contractors (2); Traveler Accommodation (2).
Is SBA lending in Clinton County rising?
Approvals in the three latest complete fiscal years total 42, against 19 in the three before: rising (+121%).
How does Clinton County compare with the rest of New York?
31.2 approvals per 1,000 establishments against 38.1 statewide, and 53 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