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County10th of 62 in New York by approvalsFIPS 36071
SBA loans in Orange 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 771 loans to businesses in Orange County, New York, in FY2021 to FY2025, worth $346M: 724 under 7(a) and 47 under 504.
That is 73.7 approvals per 1,000 business establishments (10,467 establishments in 2023), above the New York figure of 38.1 and above the national 41.0.
It ranks 10th of 62 New York counties with approvals. In FY2025 there were 218, up 16% on FY2024.
71 lenders had approvals here; the most active were TD Bank, National Association (182), Manufacturers and Traders Trust Company (120) and Readycap Lending, LLC (58). The most common industry was residential building construction.
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 Orange County
By number of approvals to businesses in the county, FY2021–FY2025; 71 lenders had at least one.
| # | Lender | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | TD Bank, National AssociationWilmington, DE | 182 | $28.2M | 23.6% | |
| 2 | Manufacturers and Traders Trust CompanyBuffalo, NY | 120 | $10.1M | 15.6% | |
| 3 | Readycap Lending, LLCBerkeley Heights, NJ | 58 | $21.8M | 7.5% | |
| 4 | FinWise BankSandy, UT | 53 | $52.6M | 6.9% | |
| 5 | BayFirst National BankSaint Petersburg, FL | 34 | $4.7M | 4.4% | |
| 6 | JPMorgan Chase Bank, National AssociationColumbus, OH | 31 | $4.8M | 4.0% | |
| 7 | Empire State Certified Development CorporationLatham, NY · CDC | 30 | $42.8M | 3.9% | |
| 8 | Northeast BankLewiston, ME | 28 | $6.1M | 3.6% | |
| 9 | KeyBank National AssociationCleveland, OH | 26 | $9.9M | 3.4% | |
| 10 | Webster Bank National AssociationWaterbury, CT | 22 | $4.4M | 2.9% | |
| 11 | Trenton Business Assistance CorporationPrinceton, NJ · CDC | 15 | $29.8M | 1.9% | |
| 12 | Colony BankFitzgerald, GA | 15 | $2.4M | 1.9% | |
| 13 | First Bank of the LakeOsage Beach, MO | 13 | $17.3M | 1.7% | |
| 14 | Cross River BankFort Lee, NJ | 13 | $10.0M | 1.7% | |
| 15 | The Huntington National BankColumbus, OH | 13 | $3.5M | 1.7% |
Industries
| # | Industry group (NAICS 4-digit) | Approvals | Share | |
|---|---|---|---|---|
| 1 | Residential Building ConstructionNAICS 2361 | 39 | 5.1% | |
| 2 | Restaurants and Other Eating PlacesNAICS 7225 | 37 | 4.8% | |
| 3 | Building Equipment ContractorsNAICS 2382 | 22 | 2.9% | |
| 4 | Electronic Shopping and Mail-Order HousesNAICS 4541 | 20 | 2.6% | |
| 5 | Management, Scientific, and Technical Consulting ServicesNAICS 5416 | 20 | 2.6% | |
| 6 | Warehouse Clubs, Supercenters, and Other General Merchandise RetailersNAICS 4552 | 19 | 2.5% | |
| 7 | Building Finishing ContractorsNAICS 2383 | 19 | 2.5% | |
| 8 | Services to Buildings and DwellingsNAICS 5617 | 19 | 2.5% | |
| 9 | Accounting, Tax Preparation, Bookkeeping, and Payroll ServicesNAICS 5412 | 17 | 2.2% | |
| 10 | Other Amusement and Recreation IndustriesNAICS 7139 | 14 | 1.8% |
Sectors
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Retail Trade | 167 | 21.7% | |
| 2 | Construction | 117 | 15.2% | |
| 3 | Professional, Scientific, and Technical Services | 88 | 11.4% | |
| 4 | Wholesale Trade | 76 | 9.9% | |
| 5 | Manufacturing | 66 | 8.6% | |
| 6 | Accommodation and Food Services | 48 | 6.2% | |
| 7 | Other Services (except Public Administration) | 48 | 6.2% | |
| 8 | Administrative and Support and Waste Management and Remediation Services | 40 | 5.2% |
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* | 94 | $35.7M | $150K | 3 | $7.9M | 97 | 499 |
| FY2025 | 209 | $89.7M | $175K | 9 | $14.6M | 218 | 1,329 |
| FY2024 | 184 | $59.8M | $150K | 4 | $3.8M | 188 | 1,138 |
| FY2023 | 149 | $40.8M | $100K | 12 | $18.7M | 161 | 1,092 |
| FY2022 | 107 | $43.1M | $100K | 13 | $24.0M | 120 | 838 |
| FY2021 | 75 | $39.2M | $100K | 9 | $12.6M | 84 | 513 |
| FY2020 | 64 | $25.0M | $100K | 7 | $8.9M | 71 | 336 |
| FY2019 | 89 | $34.5M | $125K | 11 | $12.4M | 100 | 612 |
| FY2018 | 107 | $35.1M | $100K | 8 | $5.1M | 115 | 620 |
| FY2017 | 87 | $31.0M | $150K | 13 | $9.3M | 100 | 673 |
| FY2016 | 82 | $16.3M | $125K | 7 | $10.5M | 89 | 417 |
In FY2016–FY2020, the five fiscal years before the current window, the county had 475 approvals.
Against New York and the country
| FY2021–FY2025 | Orange County | New York | United States |
|---|---|---|---|
| Approvals | 771 | 20,639 | 342,825 |
| Approvals per 1,000 establishments | 73.7 | 38.1 | 41.0 |
| Median 7(a) approval | $150K | $130K | $190K |
| Median 504 approval | $868K | $685K | $657K |
| Average approval | $449K | $414K | $573K |
| 504 share of approvals | 6.1% | 6.1% | 11.0% |
| Jobs supported per approval, as reported | 6.4 | 8.0 | 10.5 |
| Share of state approvals | 3.7% | 100.0% | — |
Approval sizes
- $50,000 or less21.5%166
- $50,001 to $150,00031.6%244
- $150,001 to $350,00022.0%170
- $350,001 to $1 million14.8%114
- $1 million to $2 million4.4%34
- Over $2 million5.6%43
Age of the businesses
- Existing, more than 2 years old78.6%606
- New business, 2 years or less12.3%95
- Startup, loan funds will open the business5.1%39
- Change of ownership3.8%29
- Not answered0.3%2
Questions and answers
Which lenders make the most SBA loans in Orange County?
By approvals in FY2021 to FY2025: TD Bank, National Association (182), Manufacturers and Traders Trust Company (120), Readycap Lending, LLC (58), FinWise Bank (53), BayFirst National Bank (34). Volume says how active a lender is, nothing about terms or service.
How large are typical SBA loans in Orange County?
The median 7(a) approval was $150K and the median 504 approval $868K; the New York 7(a) median was $130K.
Which industries get the most SBA loans in Orange County?
Residential Building Construction (39); Restaurants and Other Eating Places (37); Building Equipment Contractors (22); Electronic Shopping and Mail-Order Houses (20); Management, Scientific, and Technical Consulting Services (20).
Is SBA lending in Orange County rising?
Approvals in the three latest complete fiscal years total 567, against 275 in the three before: rising (+106%).
How does Orange County compare with the rest of New York?
73.7 approvals per 1,000 establishments against 38.1 statewide, and 771 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