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County38th of 62 in New York by approvalsFIPS 36073
SBA loans in Orleans 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 56 loans to businesses in Orleans County, New York, in FY2021 to FY2025, worth $8.9M: 54 under 7(a) and 2 under 504.
That is 84.6 approvals per 1,000 business establishments (662 establishments in 2023), above the New York figure of 38.1 and above the national 41.0.
It ranks 38th of 62 New York counties with approvals. In FY2025 there were 17, about level with FY2024.
13 lenders had approvals here; the most active were Five Star Bank (18), ESL FCU (16) and Manufacturers and Traders Trust Company (10). The most common industry was services to buildings and dwellings.
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 Orleans County
By number of approvals to businesses in the county, FY2021–FY2025; 13 lenders had at least one.
| # | Lender | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Five Star BankRochester, NY | 18 | $580K | 32.1% | |
| 2 | ESL FCURochester, NY | 16 | $4.1M | 28.6% | |
| 3 | Manufacturers and Traders Trust CompanyBuffalo, NY | 10 | $834K | 17.9% | |
| 4 | Tompkins Community BankIthaca, NY | 2 | — | 3.6% | |
| 5 | BayFirst National BankSaint Petersburg, FL | 2 | — | 3.6% | |
| 6 | Capital Community BankProvo, UT | 1 | — | 1.8% | |
| 7 | Empire State Certified Development CorporationLatham, NY · CDC | 1 | — | 1.8% | |
| 8 | Genesee Regional BankRochester, NY | 1 | — | 1.8% | |
| 9 | KeyBank National AssociationCleveland, OH | 1 | — | 1.8% | |
| 10 | The Canandaigua National Bank and Trust CompanyCanandaigua, NY | 1 | — | 1.8% | |
| 11 | Newtek Small Business Finance, Inc.Lake Success, NY | 1 | — | 1.8% | |
| 12 | Northwest BankWarren, PA | 1 | — | 1.8% | |
| 13 | Monroe County Industrial Development CorporationRochester, NY · CDC | 1 | — | 1.8% |
Industries
| # | Industry group (NAICS 4-digit) | Approvals | Share | |
|---|---|---|---|---|
| 1 | Services to Buildings and DwellingsNAICS 5617 | 6 | 10.7% | |
| 2 | General Freight TruckingNAICS 4841 | 5 | 8.9% | |
| 3 | Restaurants and Other Eating PlacesNAICS 7225 | 4 | 7.1% | |
| 4 | Automotive Repair and MaintenanceNAICS 8111 | 3 | 5.4% | |
| 5 | Residential Building ConstructionNAICS 2361 | 3 | 5.4% | |
| 6 | RV (Recreational Vehicle) Parks and Recreational CampsNAICS 7212 | 2 | 3.6% | |
| 7 | Building Material and Supplies DealersNAICS 4441 | 2 | 3.6% | |
| 8 | Lessors of Real EstateNAICS 5311 | 2 | 3.6% | |
| 9 | Automotive Parts, Accessories, and Tire StoresNAICS 4413 | 2 | 3.6% | |
| 10 | Commercial and Industrial Machinery and Equipment (except Automotive and Electronic) Repair and MaintenanceNAICS 8113 | 2 | 3.6% |
Sectors
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Retail Trade | 9 | 16.1% | |
| 2 | Construction | 8 | 14.3% | |
| 3 | Manufacturing | 7 | 12.5% | |
| 4 | Accommodation and Food Services | 6 | 10.7% | |
| 5 | Other Services (except Public Administration) | 6 | 10.7% | |
| 6 | Administrative and Support and Waste Management and Remediation Services | 6 | 10.7% | |
| 7 | Transportation and Warehousing | 5 | 8.9% | |
| 8 | Arts, Entertainment, and Recreation | 2 | 3.6% |
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* | 6 | $428K | $68K | 0 | — | 6 | 13 |
| FY2025 | 16 | $2.6M | $48K | 1 | — | 17 | 47 |
| FY2024 | 18 | $3.9M | $43K | 0 | — | 18 | 104 |
| FY2023 | 3 | $395K | $35K | 0 | — | 3 | 54 |
| FY2022 | 9 | $856K | $50K | 0 | — | 9 | 23 |
| FY2021 | 8 | $773K | $80K | 1 | — | 9 | 34 |
| FY2020 | 6 | $210K | $33K | 0 | — | 6 | 8 |
| FY2019 | 15 | $2.7M | $99K | 1 | — | 16 | 72 |
| FY2018 | 11 | $1.2M | $40K | 0 | — | 11 | 36 |
| FY2017 | 16 | $452K | $25K | 1 | — | 17 | 54 |
| FY2016 | 19 | $892K | $30K | 0 | — | 19 | 51 |
In FY2016–FY2020, the five fiscal years before the current window, the county had 69 approvals.
Against New York and the country
| FY2021–FY2025 | Orleans County | New York | United States |
|---|---|---|---|
| Approvals | 56 | 20,639 | 342,825 |
| Approvals per 1,000 establishments | 84.6 | 38.1 | 41.0 |
| Median 7(a) approval | $50K | $130K | $190K |
| Median 504 approval | — | $685K | $657K |
| Average approval | $158K | $414K | $573K |
| 504 share of approvals | 3.6% | 6.1% | 11.0% |
| Jobs supported per approval, as reported | 4.7 | 8.0 | 10.5 |
| Share of state approvals | 0.3% | 100.0% | — |
Approval sizes
- $50,000 or less53.6%30
- $50,001 to $150,00026.8%15
- $150,001 to $350,00014.3%8
- $350,001 to $1 million1.8%1
- $1 million to $2 million1.8%1
- Over $2 million1.8%1
Age of the businesses
- Existing, more than 2 years old60.7%34
- New business, 2 years or less19.6%11
- Startup, loan funds will open the business16.1%9
- Change of ownership3.6%2
Questions and answers
Which lenders make the most SBA loans in Orleans County?
By approvals in FY2021 to FY2025: Five Star Bank (18), ESL FCU (16), Manufacturers and Traders Trust Company (10), Tompkins Community Bank (2), BayFirst National Bank (2). Volume says how active a lender is, nothing about terms or service.
How large are typical SBA loans in Orleans County?
The median 7(a) approval was $50K; the New York 7(a) median was $130K.
Which industries get the most SBA loans in Orleans County?
Services to Buildings and Dwellings (6); General Freight Trucking (5); Restaurants and Other Eating Places (4); Automotive Repair and Maintenance (3); Residential Building Construction (3).
Is SBA lending in Orleans County rising?
Approvals in the three latest complete fiscal years total 38, against 24 in the three before: rising (+58%).
How does Orleans County compare with the rest of New York?
84.6 approvals per 1,000 establishments against 38.1 statewide, and 56 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