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County43rd of 62 in New York by approvalsFIPS 36039
SBA loans in Greene 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 45 loans to businesses in Greene County, New York, in FY2021 to FY2025, worth $18.5M: 36 under 7(a) and 9 under 504.
That is 37.4 approvals per 1,000 business establishments (1,203 establishments in 2023), close to the New York figure of 38.1 and close to the national 41.0.
It ranks 43rd of 62 New York counties with approvals. In FY2025 there were 11.
17 lenders had approvals here; the most active were Empire State Certified Development Corporation (9), KeyBank National Association (9) and Northeast Bank (4). 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 Greene County
By number of approvals to businesses in the county, FY2021–FY2025; 17 lenders had at least one.
| # | Lender | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Empire State Certified Development CorporationLatham, NY · CDC | 9 | $10.3M | 20.0% | |
| 2 | KeyBank National AssociationCleveland, OH | 9 | $348K | 20.0% | |
| 3 | Northeast BankLewiston, ME | 4 | $750K | 8.9% | |
| 4 | Manufacturers and Traders Trust CompanyBuffalo, NY | 4 | $258K | 8.9% | |
| 5 | New York Business Development CorporationLatham, NY | 3 | $2.7M | 6.7% | |
| 6 | Beacon Bank and TrustBrookline, MA | 2 | — | 4.4% | |
| 7 | Heritage Bank IncBurlington, KY | 2 | — | 4.4% | |
| 8 | Community Bank, National AssociationCanton, NY | 2 | — | 4.4% | |
| 9 | Ballston Spa National BankBallston Spa, NY | 2 | — | 4.4% | |
| 10 | ConnectOne BankEnglewood Cliffs, NJ | 1 | — | 2.2% | |
| 11 | Webster Bank National AssociationWaterbury, CT | 1 | — | 2.2% | |
| 12 | Hanover Community BankMineola, NY | 1 | — | 2.2% | |
| 13 | Newtek Bank, National AssociationMiami, FL | 1 | — | 2.2% | |
| 14 | Newtek Small Business Finance, Inc.Lake Success, NY | 1 | — | 2.2% | |
| 15 | Bank of America, National AssociationCharlotte, NC | 1 | — | 2.2% |
Industries
| # | Industry group (NAICS 4-digit) | Approvals | Share | |
|---|---|---|---|---|
| 1 | Restaurants and Other Eating PlacesNAICS 7225 | 8 | 17.8% | |
| 2 | Traveler AccommodationNAICS 7211 | 6 | 13.3% | |
| 3 | Beer, Wine, and Liquor StoresNAICS 4453 | 3 | 6.7% | |
| 4 | Other Motor Vehicle DealersNAICS 4412 | 2 | 4.4% | |
| 5 | Automotive Repair and MaintenanceNAICS 8111 | 2 | 4.4% | |
| 6 | Clothing and Clothing Accessories RetailersNAICS 4581 | 2 | 4.4% | |
| 7 | Support Activities for Road TransportationNAICS 4884 | 2 | 4.4% | |
| 8 | Gasoline StationsNAICS 4571 | 1 | 2.2% | |
| 9 | Lessors of Real EstateNAICS 5311 | 1 | 2.2% | |
| 10 | Offices of PhysiciansNAICS 6211 | 1 | 2.2% |
Sectors
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Accommodation and Food Services | 14 | 31.1% | |
| 2 | Retail Trade | 12 | 26.7% | |
| 3 | Health Care and Social Assistance | 3 | 6.7% | |
| 4 | Other Services (except Public Administration) | 3 | 6.7% | |
| 5 | Transportation and Warehousing | 3 | 6.7% | |
| 6 | Real Estate and Rental and Leasing | 2 | 4.4% | |
| 7 | Manufacturing | 2 | 4.4% | |
| 8 | Construction | 2 | 4.4% |
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* | 3 | $1.6M | $651K | 0 | — | 3 | 31 |
| FY2025 | 11 | $2.2M | $150K | 0 | — | 11 | 69 |
| FY2024 | 5 | $282K | $25K | 1 | — | 6 | 18 |
| FY2023 | 12 | $2.1M | $113K | 2 | — | 14 | 98 |
| FY2022 | 4 | $1.3M | $171K | 4 | $5.5M | 8 | 96 |
| FY2021 | 4 | $2.3M | $438K | 2 | — | 6 | 52 |
| FY2020 | 2 | — | — | 1 | — | 3 | 5 |
| FY2019 | 4 | $2.8M | $548K | 0 | — | 4 | 59 |
| FY2018 | 4 | $395K | $110K | 1 | — | 5 | 10 |
| FY2017 | 9 | $5.2M | $140K | 0 | — | 9 | 54 |
| FY2016 | 11 | $845K | $60K | 1 | — | 12 | 10 |
In FY2016–FY2020, the five fiscal years before the current window, the county had 33 approvals.
Against New York and the country
| FY2021–FY2025 | Greene County | New York | United States |
|---|---|---|---|
| Approvals | 45 | 20,639 | 342,825 |
| Approvals per 1,000 establishments | 37.4 | 38.1 | 41.0 |
| Median 7(a) approval | $149K | $130K | $190K |
| Median 504 approval | $711K | $685K | $657K |
| Average approval | $411K | $414K | $573K |
| 504 share of approvals | 20.0% | 6.1% | 11.0% |
| Jobs supported per approval, as reported | 7.4 | 8.0 | 10.5 |
| Share of state approvals | 0.2% | 100.0% | — |
Approval sizes
- $50,000 or less31.1%14
- $50,001 to $150,00015.6%7
- $150,001 to $350,00020.0%9
- $350,001 to $1 million24.4%11
- $1 million to $2 million4.4%2
- Over $2 million4.4%2
Age of the businesses
- Existing, more than 2 years old48.9%22
- New business, 2 years or less17.8%8
- Startup, loan funds will open the business24.4%11
- Change of ownership8.9%4
Questions and answers
Which lenders make the most SBA loans in Greene County?
By approvals in FY2021 to FY2025: Empire State Certified Development Corporation (9), KeyBank National Association (9), Northeast Bank (4), Manufacturers and Traders Trust Company (4), New York Business Development Corporation (3). Volume says how active a lender is, nothing about terms or service.
How large are typical SBA loans in Greene County?
The median 7(a) approval was $149K and the median 504 approval $711K; the New York 7(a) median was $130K.
Which industries get the most SBA loans in Greene County?
Restaurants and Other Eating Places (8); Traveler Accommodation (6); Beer, Wine, and Liquor Stores (3); Other Motor Vehicle Dealers (2); Automotive Repair and Maintenance (2).
Is SBA lending in Greene County rising?
Approvals in the three latest complete fiscal years total 31, against 17 in the three before: rising (+82%).
How does Greene County compare with the rest of New York?
37.4 approvals per 1,000 establishments against 38.1 statewide, and 45 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