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County9th of 62 in New York by approvalsFIPS 36055
SBA loans in Monroe 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 961 loans to businesses in Monroe County, New York, in FY2021 to FY2025, worth $264M: 890 under 7(a) and 71 under 504.
That is 55.0 approvals per 1,000 business establishments (17,484 establishments in 2023), above the New York figure of 38.1 and above the national 41.0.
It ranks 9th of 62 New York counties with approvals. In FY2025 there were 255, up 23% on FY2024.
51 lenders had approvals here; the most active were ESL FCU (245), Manufacturers and Traders Trust Company (241) and Genesee Regional Bank (102). 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 Monroe County
By number of approvals to businesses in the county, FY2021–FY2025; 51 lenders had at least one.
| # | Lender | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | ESL FCURochester, NY | 245 | $32.7M | 25.5% | |
| 2 | Manufacturers and Traders Trust CompanyBuffalo, NY | 241 | $37.0M | 25.1% | |
| 3 | Genesee Regional BankRochester, NY | 102 | $45.2M | 10.6% | |
| 4 | The Canandaigua National Bank and Trust CompanyCanandaigua, NY | 55 | $16.0M | 5.7% | |
| 5 | Five Star BankRochester, NY | 46 | $6.0M | 4.8% | |
| 6 | KeyBank National AssociationCleveland, OH | 41 | $4.3M | 4.3% | |
| 7 | Empire State Certified Development CorporationLatham, NY · CDC | 39 | $24.6M | 4.1% | |
| 8 | Monroe County Industrial Development CorporationRochester, NY · CDC | 30 | $16.6M | 3.1% | |
| 9 | Northeast BankLewiston, ME | 16 | $1.6M | 1.7% | |
| 10 | Tompkins Community BankIthaca, NY | 15 | $1.2M | 1.6% | |
| 11 | The Huntington National BankColumbus, OH | 11 | $4.0M | 1.1% | |
| 12 | The Lyons National BankLyons, NY | 10 | $1.3M | 1.0% | |
| 13 | Newtek Bank, National AssociationMiami, FL | 8 | $4.7M | 0.8% | |
| 14 | Bank of America, National AssociationCharlotte, NC | 8 | $4.1M | 0.8% | |
| 15 | JPMorgan Chase Bank, National AssociationColumbus, OH | 8 | $1.1M | 0.8% |
Industries
| # | Industry group (NAICS 4-digit) | Approvals | Share | |
|---|---|---|---|---|
| 1 | Restaurants and Other Eating PlacesNAICS 7225 | 87 | 9.1% | |
| 2 | Building Equipment ContractorsNAICS 2382 | 38 | 4.0% | |
| 3 | Services to Buildings and DwellingsNAICS 5617 | 38 | 4.0% | |
| 4 | Personal Care ServicesNAICS 8121 | 35 | 3.6% | |
| 5 | Other Specialty Trade ContractorsNAICS 2389 | 33 | 3.4% | |
| 6 | Other Amusement and Recreation IndustriesNAICS 7139 | 31 | 3.2% | |
| 7 | Automotive Repair and MaintenanceNAICS 8111 | 31 | 3.2% | |
| 8 | Residential Building ConstructionNAICS 2361 | 30 | 3.1% | |
| 9 | Building Finishing ContractorsNAICS 2383 | 25 | 2.6% | |
| 10 | Other Personal ServicesNAICS 8129 | 24 | 2.5% |
Sectors
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Construction | 150 | 15.6% | |
| 2 | Accommodation and Food Services | 113 | 11.8% | |
| 3 | Other Services (except Public Administration) | 110 | 11.4% | |
| 4 | Retail Trade | 101 | 10.5% | |
| 5 | Manufacturing | 96 | 10.0% | |
| 6 | Professional, Scientific, and Technical Services | 79 | 8.2% | |
| 7 | Health Care and Social Assistance | 57 | 5.9% | |
| 8 | Administrative and Support and Waste Management and Remediation Services | 54 | 5.6% |
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* | 132 | $26.8M | $73K | 7 | $6.5M | 139 | 835 |
| FY2025 | 243 | $53.5M | $65K | 12 | $6.8M | 255 | 1,945 |
| FY2024 | 199 | $46.5M | $75K | 9 | $2.3M | 208 | 1,702 |
| FY2023 | 155 | $46.8M | $100K | 10 | $4.6M | 165 | 1,797 |
| FY2022 | 157 | $37.1M | $100K | 28 | $20.7M | 185 | 1,621 |
| FY2021 | 136 | $38.2M | $90K | 12 | $7.6M | 148 | 1,367 |
| FY2020 | 160 | $48.8M | $68K | 18 | $14.5M | 178 | 1,441 |
| FY2019 | 197 | $55.1M | $75K | 6 | $3.3M | 203 | 1,536 |
| FY2018 | 292 | $49.3M | $50K | 15 | $10.1M | 307 | 1,979 |
| FY2017 | 327 | $42.1M | $50K | 9 | $5.0M | 336 | 1,926 |
| FY2016 | 407 | $62.8M | $50K | 9 | $2.2M | 416 | 2,754 |
In FY2016–FY2020, the five fiscal years before the current window, the county had 1,440 approvals.
Against New York and the country
| FY2021–FY2025 | Monroe County | New York | United States |
|---|---|---|---|
| Approvals | 961 | 20,639 | 342,825 |
| Approvals per 1,000 establishments | 55.0 | 38.1 | 41.0 |
| Median 7(a) approval | $90K | $130K | $190K |
| Median 504 approval | $421K | $685K | $657K |
| Average approval | $275K | $414K | $573K |
| 504 share of approvals | 7.4% | 6.1% | 11.0% |
| Jobs supported per approval, as reported | 8.8 | 8.0 | 10.5 |
| Share of state approvals | 4.7% | 100.0% | — |
Approval sizes
- $50,000 or less38.2%367
- $50,001 to $150,00025.1%241
- $150,001 to $350,00017.9%172
- $350,001 to $1 million13.3%128
- $1 million to $2 million3.4%33
- Over $2 million2.1%20
Age of the businesses
- Existing, more than 2 years old52.3%503
- New business, 2 years or less22.8%219
- Startup, loan funds will open the business16.6%160
- Change of ownership8.2%79
Questions and answers
Which lenders make the most SBA loans in Monroe County?
By approvals in FY2021 to FY2025: ESL FCU (245), Manufacturers and Traders Trust Company (241), Genesee Regional Bank (102), The Canandaigua National Bank and Trust Company (55), Five Star Bank (46). Volume says how active a lender is, nothing about terms or service.
How large are typical SBA loans in Monroe County?
The median 7(a) approval was $90K and the median 504 approval $421K; the New York 7(a) median was $130K.
Which industries get the most SBA loans in Monroe County?
Restaurants and Other Eating Places (87); Building Equipment Contractors (38); Services to Buildings and Dwellings (38); Personal Care Services (35); Other Specialty Trade Contractors (33).
Is SBA lending in Monroe County rising?
Approvals in the three latest complete fiscal years total 628, against 511 in the three before: rising (+23%).
How does Monroe County compare with the rest of New York?
55.0 approvals per 1,000 establishments against 38.1 statewide, and 961 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