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County30th of 62 in New York by approvalsFIPS 36051
SBA loans in Livingston 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 Livingston County, New York, received 87 SBA loan approvals worth $18.4M in FY2021 to FY2025 (80 7(a), 7 504).
That is 72.4 approvals per 1,000 business establishments (1,202 establishments in 2023), above the New York figure of 38.1 and above the national 41.0.
It ranks 30th of 62 New York counties with approvals. In FY2025 there were 25, about level with FY2024.
15 lenders had approvals here; the most active were Five Star Bank (28), Manufacturers and Traders Trust Company (15) and Tompkins Community Bank (12). 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 Livingston County
By number of approvals to businesses in the county, FY2021–FY2025; 15 lenders had at least one.
| # | Lender | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Five Star BankRochester, NY | 28 | $1.5M | 32.2% | |
| 2 | Manufacturers and Traders Trust CompanyBuffalo, NY | 15 | $6.6M | 17.2% | |
| 3 | Tompkins Community BankIthaca, NY | 12 | $1.3M | 13.8% | |
| 4 | KeyBank National AssociationCleveland, OH | 7 | $1.7M | 8.0% | |
| 5 | ESL FCURochester, NY | 7 | $915K | 8.0% | |
| 6 | Empire State Certified Development CorporationLatham, NY · CDC | 6 | $3.4M | 6.9% | |
| 7 | The Canandaigua National Bank and Trust CompanyCanandaigua, NY | 4 | $1.2M | 4.6% | |
| 8 | Live Oak Banking CompanyWilmington, NC | 1 | — | 1.1% | |
| 9 | Monroe County Industrial Development CorporationRochester, NY · CDC | 1 | — | 1.1% | |
| 10 | Celtic Bank CorporationSalt Lake City, UT | 1 | — | 1.1% | |
| 11 | BayFirst National BankSaint Petersburg, FL | 1 | — | 1.1% | |
| 12 | Northeast BankLewiston, ME | 1 | — | 1.1% | |
| 13 | Readycap Lending, LLCBerkeley Heights, NJ | 1 | — | 1.1% | |
| 14 | Genesee Regional BankRochester, NY | 1 | — | 1.1% | |
| 15 | Community Bank, National AssociationCanton, NY | 1 | — | 1.1% |
Industries
| # | Industry group (NAICS 4-digit) | Approvals | Share | |
|---|---|---|---|---|
| 1 | Restaurants and Other Eating PlacesNAICS 7225 | 8 | 9.2% | |
| 2 | General Freight TruckingNAICS 4841 | 6 | 6.9% | |
| 3 | Beverage ManufacturingNAICS 3121 | 5 | 5.7% | |
| 4 | Residential Building ConstructionNAICS 2361 | 5 | 5.7% | |
| 5 | Building Equipment ContractorsNAICS 2382 | 4 | 4.6% | |
| 6 | Commercial and Industrial Machinery and Equipment (except Automotive and Electronic) Repair and MaintenanceNAICS 8113 | 3 | 3.4% | |
| 7 | Child Day Care ServicesNAICS 6244 | 3 | 3.4% | |
| 8 | Cement and Concrete Product ManufacturingNAICS 3273 | 2 | 2.3% | |
| 9 | Wholesale Electronic Markets and Agents and BrokersNAICS 4251 | 2 | 2.3% | |
| 10 | Other Professional, Scientific, and Technical ServicesNAICS 5419 | 2 | 2.3% |
Sectors
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Construction | 16 | 18.4% | |
| 2 | Manufacturing | 13 | 14.9% | |
| 3 | Accommodation and Food Services | 12 | 13.8% | |
| 4 | Wholesale Trade | 9 | 10.3% | |
| 5 | Transportation and Warehousing | 9 | 10.3% | |
| 6 | Retail Trade | 8 | 9.2% | |
| 7 | Other Services (except Public Administration) | 7 | 8.0% | |
| 8 | Professional, Scientific, and Technical Services | 5 | 5.7% |
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* | 18 | $1.6M | $36K | 0 | — | 18 | 82 |
| FY2025 | 23 | $1.9M | $50K | 2 | — | 25 | 197 |
| FY2024 | 23 | $2.2M | $35K | 1 | — | 24 | 78 |
| FY2023 | 14 | $7.2M | $125K | 1 | — | 15 | 293 |
| FY2022 | 2 | — | — | 1 | — | 3 | 11 |
| FY2021 | 18 | $3.4M | $106K | 2 | — | 20 | 80 |
| FY2020 | 15 | $2.5M | $50K | 0 | — | 15 | 94 |
| FY2019 | 10 | $749K | $23K | 0 | — | 10 | 36 |
| FY2018 | 36 | $3.0M | $52K | 1 | — | 37 | 203 |
| FY2017 | 25 | $1.8M | $20K | 1 | — | 26 | 74 |
| FY2016 | 44 | $2.9M | $42K | 0 | — | 44 | 208 |
In FY2016–FY2020, the five fiscal years before the current window, the county had 132 approvals.
Against New York and the country
| FY2021–FY2025 | Livingston County | New York | United States |
|---|---|---|---|
| Approvals | 87 | 20,639 | 342,825 |
| Approvals per 1,000 establishments | 72.4 | 38.1 | 41.0 |
| Median 7(a) approval | $50K | $130K | $190K |
| Median 504 approval | $260K | $685K | $657K |
| Average approval | $211K | $414K | $573K |
| 504 share of approvals | 8.0% | 6.1% | 11.0% |
| Jobs supported per approval, as reported | 7.6 | 8.0 | 10.5 |
| Share of state approvals | 0.4% | 100.0% | — |
Approval sizes
- $50,000 or less51.7%45
- $50,001 to $150,00023.0%20
- $150,001 to $350,00014.9%13
- $350,001 to $1 million6.9%6
- $1 million to $2 million2.3%2
- Over $2 million1.1%1
Age of the businesses
- Existing, more than 2 years old64.4%56
- New business, 2 years or less12.6%11
- Startup, loan funds will open the business18.4%16
- Change of ownership4.6%4
Questions and answers
Which lenders make the most SBA loans in Livingston County?
By approvals in FY2021 to FY2025: Five Star Bank (28), Manufacturers and Traders Trust Company (15), Tompkins Community Bank (12), KeyBank National Association (7), ESL FCU (7). Volume says how active a lender is, nothing about terms or service.
How large are typical SBA loans in Livingston County?
The median 7(a) approval was $50K and the median 504 approval $260K; the New York 7(a) median was $130K.
Which industries get the most SBA loans in Livingston County?
Restaurants and Other Eating Places (8); General Freight Trucking (6); Beverage Manufacturing (5); Residential Building Construction (5); Building Equipment Contractors (4).
Is SBA lending in Livingston County rising?
Approvals in the three latest complete fiscal years total 64, against 38 in the three before: rising (+68%).
How does Livingston County compare with the rest of New York?
72.4 approvals per 1,000 establishments against 38.1 statewide, and 87 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