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County31st of 62 in New York by approvalsFIPS 36037
SBA loans in Genesee 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 85 loans to businesses in Genesee County, New York, in FY2021 to FY2025, worth $20.0M: 78 under 7(a) and 7 under 504.
That is 67.7 approvals per 1,000 business establishments (1,255 establishments in 2023), above the New York figure of 38.1 and above the national 41.0.
It ranks 31st of 62 New York counties with approvals. In FY2025 there were 20, down 9% on FY2024.
15 lenders had approvals here; the most active were Manufacturers and Traders Trust Company (21), Five Star Bank (17) and Tompkins Community Bank (11). The most common industry was automotive repair and maintenance.
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 Genesee County
By number of approvals to businesses in the county, FY2021–FY2025; 15 lenders had at least one.
| # | Lender | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Manufacturers and Traders Trust CompanyBuffalo, NY | 21 | $1.8M | 24.7% | |
| 2 | Five Star BankRochester, NY | 17 | $1.7M | 20.0% | |
| 3 | Tompkins Community BankIthaca, NY | 11 | $1.2M | 12.9% | |
| 4 | ESL FCURochester, NY | 8 | $320K | 9.4% | |
| 5 | KeyBank National AssociationCleveland, OH | 7 | $390K | 8.2% | |
| 6 | Empire State Certified Development CorporationLatham, NY · CDC | 6 | $6.8M | 7.1% | |
| 7 | Genesee Regional BankRochester, NY | 5 | $2.6M | 5.9% | |
| 8 | The Canandaigua National Bank and Trust CompanyCanandaigua, NY | 2 | — | 2.4% | |
| 9 | BayFirst National BankSaint Petersburg, FL | 2 | — | 2.4% | |
| 10 | Live Oak Banking CompanyWilmington, NC | 1 | — | 1.2% | |
| 11 | The Huntington National BankColumbus, OH | 1 | — | 1.2% | |
| 12 | Newtek Small Business Finance, Inc.Lake Success, NY | 1 | — | 1.2% | |
| 13 | Monroe County Industrial Development CorporationRochester, NY · CDC | 1 | — | 1.2% | |
| 14 | First Bank of the LakeOsage Beach, MO | 1 | — | 1.2% | |
| 15 | Northeast BankLewiston, ME | 1 | — | 1.2% |
Industries
| # | Industry group (NAICS 4-digit) | Approvals | Share | |
|---|---|---|---|---|
| 1 | Automotive Repair and MaintenanceNAICS 8111 | 8 | 9.4% | |
| 2 | Other Specialty Trade ContractorsNAICS 2389 | 7 | 8.2% | |
| 3 | Restaurants and Other Eating PlacesNAICS 7225 | 6 | 7.1% | |
| 4 | Services to Buildings and DwellingsNAICS 5617 | 5 | 5.9% | |
| 5 | Building Equipment ContractorsNAICS 2382 | 4 | 4.7% | |
| 6 | General Freight TruckingNAICS 4841 | 4 | 4.7% | |
| 7 | Other Personal ServicesNAICS 8129 | 4 | 4.7% | |
| 8 | Cattle Ranching and FarmingNAICS 1121 | 4 | 4.7% | |
| 9 | Other Amusement and Recreation IndustriesNAICS 7139 | 4 | 4.7% | |
| 10 | Residential Building ConstructionNAICS 2361 | 4 | 4.7% |
Sectors
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Construction | 20 | 23.5% | |
| 2 | Other Services (except Public Administration) | 15 | 17.6% | |
| 3 | Transportation and Warehousing | 7 | 8.2% | |
| 4 | Administrative and Support and Waste Management and Remediation Services | 7 | 8.2% | |
| 5 | Agriculture, Forestry, Fishing and Hunting | 7 | 8.2% | |
| 6 | Retail Trade | 6 | 7.1% | |
| 7 | Accommodation and Food Services | 6 | 7.1% | |
| 8 | Professional, Scientific, and Technical Services | 5 | 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* | 17 | $4.6M | $70K | 0 | — | 17 | 57 |
| FY2025 | 17 | $2.5M | $50K | 3 | $735K | 20 | 71 |
| FY2024 | 22 | $1.1M | $33K | 0 | — | 22 | 73 |
| FY2023 | 17 | $4.8M | $80K | 3 | $5.8M | 20 | 92 |
| FY2022 | 8 | $3.5M | $178K | 1 | — | 9 | 125 |
| FY2021 | 14 | $1.2M | $38K | 0 | — | 14 | 37 |
| FY2020 | 13 | $939K | $35K | 1 | — | 14 | 66 |
| FY2019 | 11 | $423K | $28K | 0 | — | 11 | 24 |
| FY2018 | 32 | $8.2M | $78K | 1 | — | 33 | 250 |
| FY2017 | 29 | $5.6M | $65K | 0 | — | 29 | 239 |
| FY2016 | 41 | $3.5M | $30K | 1 | — | 42 | 263 |
In FY2016–FY2020, the five fiscal years before the current window, the county had 129 approvals.
Against New York and the country
| FY2021–FY2025 | Genesee County | New York | United States |
|---|---|---|---|
| Approvals | 85 | 20,639 | 342,825 |
| Approvals per 1,000 establishments | 67.7 | 38.1 | 41.0 |
| Median 7(a) approval | $50K | $130K | $190K |
| Median 504 approval | $344K | $685K | $657K |
| Average approval | $236K | $414K | $573K |
| 504 share of approvals | 8.2% | 6.1% | 11.0% |
| Jobs supported per approval, as reported | 4.7 | 8.0 | 10.5 |
| Share of state approvals | 0.4% | 100.0% | — |
Approval sizes
- $50,000 or less50.6%43
- $50,001 to $150,00020.0%17
- $150,001 to $350,00018.8%16
- $350,001 to $1 million7.1%6
- $1 million to $2 million1.2%1
- Over $2 million2.4%2
Age of the businesses
- Existing, more than 2 years old54.1%46
- New business, 2 years or less28.2%24
- Startup, loan funds will open the business9.4%8
- Change of ownership8.2%7
Questions and answers
Which lenders make the most SBA loans in Genesee County?
By approvals in FY2021 to FY2025: Manufacturers and Traders Trust Company (21), Five Star Bank (17), Tompkins Community Bank (11), ESL FCU (8), KeyBank National Association (7). Volume says how active a lender is, nothing about terms or service.
How large are typical SBA loans in Genesee County?
The median 7(a) approval was $50K and the median 504 approval $344K; the New York 7(a) median was $130K.
Which industries get the most SBA loans in Genesee County?
Automotive Repair and Maintenance (8); Other Specialty Trade Contractors (7); Restaurants and Other Eating Places (6); Services to Buildings and Dwellings (5); Building Equipment Contractors (4).
Is SBA lending in Genesee County rising?
Approvals in the three latest complete fiscal years total 62, against 37 in the three before: rising (+68%).
How does Genesee County compare with the rest of New York?
67.7 approvals per 1,000 establishments against 38.1 statewide, and 85 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