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County35th of 62 in New York by approvalsFIPS 36021
SBA loans in Columbia 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 68 loans to businesses in Columbia County, New York, in FY2021 to FY2025, worth $20.1M: 64 under 7(a) and 4 under 504.
That is 37.4 approvals per 1,000 business establishments (1,819 establishments in 2023), close to the New York figure of 38.1 and close to the national 41.0.
It ranks 35th of 62 New York counties with approvals. In FY2025 there were 16, up 60% on FY2024.
29 lenders had approvals here; the most active were KeyBank National Association (12), Manufacturers and Traders Trust Company (7) and TD Bank, National Association (7). The most common industry was electric power generation, transmission and distribution.
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 Columbia County
By number of approvals to businesses in the county, FY2021–FY2025; 29 lenders had at least one.
| # | Lender | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | KeyBank National AssociationCleveland, OH | 12 | $2.4M | 17.6% | |
| 2 | Manufacturers and Traders Trust CompanyBuffalo, NY | 7 | $1.4M | 10.3% | |
| 3 | TD Bank, National AssociationWilmington, DE | 7 | $415K | 10.3% | |
| 4 | Chemung Canal Trust CompanyElmira, NY | 5 | $1.1M | 7.4% | |
| 5 | New York Business Development CorporationLatham, NY | 4 | $1.9M | 5.9% | |
| 6 | Empire State Certified Development CorporationLatham, NY · CDC | 4 | $1.7M | 5.9% | |
| 7 | Wells Fargo Bank National AssociationSioux Falls, SD | 3 | $678K | 4.4% | |
| 8 | Northeast BankLewiston, ME | 3 | $200K | 4.4% | |
| 9 | BayFirst National BankSaint Petersburg, FL | 2 | — | 2.9% | |
| 10 | Readycap Lending, LLCBerkeley Heights, NJ | 2 | — | 2.9% | |
| 11 | Newtek Bank, National AssociationMiami, FL | 1 | — | 1.5% | |
| 12 | Hanmi BankLos Angeles, CA | 1 | — | 1.5% | |
| 13 | First Western SBLC, LLCDallas, TX | 1 | — | 1.5% | |
| 14 | Hanover Community BankMineola, NY | 1 | — | 1.5% | |
| 15 | First Merchants BankIndianapolis, IN | 1 | — | 1.5% |
Industries
| # | Industry group (NAICS 4-digit) | Approvals | Share | |
|---|---|---|---|---|
| 1 | Electric Power Generation, Transmission and DistributionNAICS 2211 | 4 | 5.9% | |
| 2 | Services to Buildings and DwellingsNAICS 5617 | 4 | 5.9% | |
| 3 | Traveler AccommodationNAICS 7211 | 3 | 4.4% | |
| 4 | Other Specialty Trade ContractorsNAICS 2389 | 3 | 4.4% | |
| 5 | Beer, Wine, and Distilled Alcoholic Beverage Merchant WholesalersNAICS 4248 | 3 | 4.4% | |
| 6 | Legal ServicesNAICS 5411 | 3 | 4.4% | |
| 7 | Remediation and Other Waste Management ServicesNAICS 5629 | 2 | 2.9% | |
| 8 | Furniture StoresNAICS 4421 | 2 | 2.9% | |
| 9 | Restaurants and Other Eating PlacesNAICS 7225 | 2 | 2.9% | |
| 10 | Other Amusement and Recreation IndustriesNAICS 7139 | 2 | 2.9% |
Sectors
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Retail Trade | 11 | 16.2% | |
| 2 | Professional, Scientific, and Technical Services | 11 | 16.2% | |
| 3 | Construction | 9 | 13.2% | |
| 4 | Accommodation and Food Services | 7 | 10.3% | |
| 5 | Administrative and Support and Waste Management and Remediation Services | 7 | 10.3% | |
| 6 | Wholesale Trade | 5 | 7.4% | |
| 7 | Other Services (except Public Administration) | 4 | 5.9% | |
| 8 | Manufacturing | 4 | 5.9% |
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* | 11 | $2.5M | $74K | 1 | — | 12 | 95 |
| FY2025 | 15 | $4.1M | $60K | 1 | — | 16 | 107 |
| FY2024 | 9 | $517K | $40K | 1 | — | 10 | 32 |
| FY2023 | 11 | $3.6M | $147K | 1 | — | 12 | 42 |
| FY2022 | 12 | $3.6M | $140K | 1 | — | 13 | 71 |
| FY2021 | 17 | $6.5M | $332K | 0 | — | 17 | 113 |
| FY2020 | 4 | $137K | $38K | 1 | — | 5 | 3 |
| FY2019 | 6 | $2.0M | $193K | 1 | — | 7 | 60 |
| FY2018 | 10 | $1.8M | $25K | 1 | — | 11 | 41 |
| FY2017 | 16 | $2.9M | $50K | 0 | — | 16 | 32 |
| FY2016 | 25 | $3.1M | $65K | 4 | $1.9M | 29 | 107 |
In FY2016–FY2020, the five fiscal years before the current window, the county had 68 approvals.
Against New York and the country
| FY2021–FY2025 | Columbia County | New York | United States |
|---|---|---|---|
| Approvals | 68 | 20,639 | 342,825 |
| Approvals per 1,000 establishments | 37.4 | 38.1 | 41.0 |
| Median 7(a) approval | $148K | $130K | $190K |
| Median 504 approval | $451K | $685K | $657K |
| Average approval | $296K | $414K | $573K |
| 504 share of approvals | 5.9% | 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 less35.3%24
- $50,001 to $150,00020.6%14
- $150,001 to $350,00022.1%15
- $350,001 to $1 million13.2%9
- $1 million to $2 million8.8%6
Age of the businesses
- Existing, more than 2 years old58.8%40
- New business, 2 years or less19.1%13
- Startup, loan funds will open the business11.8%8
- Change of ownership10.3%7
Questions and answers
Which lenders make the most SBA loans in Columbia County?
By approvals in FY2021 to FY2025: KeyBank National Association (12), Manufacturers and Traders Trust Company (7), TD Bank, National Association (7), Chemung Canal Trust Company (5), New York Business Development Corporation (4). Volume says how active a lender is, nothing about terms or service.
How large are typical SBA loans in Columbia County?
The median 7(a) approval was $148K and the median 504 approval $451K; the New York 7(a) median was $130K.
Which industries get the most SBA loans in Columbia County?
Electric Power Generation, Transmission and Distribution (4); Services to Buildings and Dwellings (4); Traveler Accommodation (3); Other Specialty Trade Contractors (3); Beer, Wine, and Distilled Alcoholic Beverage Merchant Wholesalers (3).
Is SBA lending in Columbia County rising?
Approvals in the three latest complete fiscal years total 38, against 35 in the three before: broadly level (+9%).
How does Columbia County compare with the rest of New York?
37.4 approvals per 1,000 establishments against 38.1 statewide, and 68 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