States › New York › Oswego County
County36th of 62 in New York by approvalsFIPS 36075
SBA loans in Oswego 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 66 loans to businesses in Oswego County, New York, in FY2021 to FY2025, worth $17.9M: 57 under 7(a) and 9 under 504.
That is 31.5 approvals per 1,000 business establishments (2,093 establishments in 2023), below the New York figure of 38.1 and below the national 41.0.
It ranks 36th of 62 New York counties with approvals. In FY2025 there were 18, down 14% on FY2024.
18 lenders had approvals here; the most active were Manufacturers and Traders Trust Company (19), KeyBank National Association (15) and Empire State Certified Development Corporation (6). 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 Oswego County
By number of approvals to businesses in the county, FY2021–FY2025; 18 lenders had at least one.
| # | Lender | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Manufacturers and Traders Trust CompanyBuffalo, NY | 19 | $2.0M | 28.8% | |
| 2 | KeyBank National AssociationCleveland, OH | 15 | $684K | 22.7% | |
| 3 | Empire State Certified Development CorporationLatham, NY · CDC | 6 | $4.3M | 9.1% | |
| 4 | Community Bank, National AssociationCanton, NY | 4 | $1.2M | 6.1% | |
| 5 | Live Oak Banking CompanyWilmington, NC | 3 | $2.4M | 4.5% | |
| 6 | Greater Syracuse Business Development CorporationSyracuse, NY · CDC | 2 | — | 3.0% | |
| 7 | JPMorgan Chase Bank, National AssociationColumbus, OH | 2 | — | 3.0% | |
| 8 | Shoreham BankWarwick, RI | 2 | — | 3.0% | |
| 9 | Tompkins Community BankIthaca, NY | 2 | — | 3.0% | |
| 10 | Celtic Bank CorporationSalt Lake City, UT | 2 | — | 3.0% | |
| 11 | TD Bank, National AssociationWilmington, DE | 1 | — | 1.5% | |
| 12 | Watertown Savings BankWatertown, NY | 1 | — | 1.5% | |
| 13 | NBT Bank, National AssociationNorwich, NY | 1 | — | 1.5% | |
| 14 | Bank of America, National AssociationCharlotte, NC | 1 | — | 1.5% | |
| 15 | Northeast BankLewiston, ME | 1 | — | 1.5% |
Industries
| # | Industry group (NAICS 4-digit) | Approvals | Share | |
|---|---|---|---|---|
| 1 | Restaurants and Other Eating PlacesNAICS 7225 | 8 | 12.1% | |
| 2 | Other Specialty Trade ContractorsNAICS 2389 | 8 | 12.1% | |
| 3 | Machine Shops; Turned Product; and Screw, Nut, and Bolt ManufacturingNAICS 3327 | 3 | 4.5% | |
| 4 | Other Personal ServicesNAICS 8129 | 3 | 4.5% | |
| 5 | Specialized Freight TruckingNAICS 4842 | 3 | 4.5% | |
| 6 | Personal Care ServicesNAICS 8121 | 3 | 4.5% | |
| 7 | Used Merchandise RetailersNAICS 4595 | 3 | 4.5% | |
| 8 | Gasoline StationsNAICS 4571 | 2 | 3.0% | |
| 9 | Residential Building ConstructionNAICS 2361 | 2 | 3.0% | |
| 10 | Drinking Places (Alcoholic Beverages)NAICS 7224 | 2 | 3.0% |
Sectors
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Accommodation and Food Services | 11 | 16.7% | |
| 2 | Construction | 11 | 16.7% | |
| 3 | Other Services (except Public Administration) | 10 | 15.2% | |
| 4 | Retail Trade | 7 | 10.6% | |
| 5 | Transportation and Warehousing | 7 | 10.6% | |
| 6 | Manufacturing | 6 | 9.1% | |
| 7 | Professional, Scientific, and Technical Services | 3 | 4.5% | |
| 8 | Real Estate and Rental and Leasing | 3 | 4.5% |
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 | $562K | $48K | 0 | — | 6 | 37 |
| FY2025 | 17 | $2.4M | $50K | 1 | — | 18 | 64 |
| FY2024 | 18 | $3.3M | $82K | 3 | $4.0M | 21 | 111 |
| FY2023 | 5 | $868K | $50K | 2 | — | 7 | 33 |
| FY2022 | 10 | $4.7M | $33K | 2 | — | 12 | 51 |
| FY2021 | 7 | $1.3M | $70K | 1 | — | 8 | 52 |
| FY2020 | 11 | $6.2M | $364K | 1 | — | 12 | 112 |
| FY2019 | 6 | $1.6M | $85K | 1 | — | 7 | 81 |
| FY2018 | 10 | $4.3M | $88K | 3 | $1.1M | 13 | 78 |
| FY2017 | 6 | $193K | $21K | 4 | $496K | 10 | 27 |
| FY2016 | 14 | $5.3M | $58K | 1 | — | 15 | 113 |
In FY2016–FY2020, the five fiscal years before the current window, the county had 57 approvals.
Against New York and the country
| FY2021–FY2025 | Oswego County | New York | United States |
|---|---|---|---|
| Approvals | 66 | 20,639 | 342,825 |
| Approvals per 1,000 establishments | 31.5 | 38.1 | 41.0 |
| Median 7(a) approval | $60K | $130K | $190K |
| Median 504 approval | $207K | $685K | $657K |
| Average approval | $271K | $414K | $573K |
| 504 share of approvals | 13.6% | 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 less43.9%29
- $50,001 to $150,00025.8%17
- $150,001 to $350,00012.1%8
- $350,001 to $1 million10.6%7
- $1 million to $2 million4.5%3
- Over $2 million3.0%2
Age of the businesses
- Existing, more than 2 years old47.0%31
- New business, 2 years or less27.3%18
- Startup, loan funds will open the business15.2%10
- Change of ownership10.6%7
Questions and answers
Which lenders make the most SBA loans in Oswego County?
By approvals in FY2021 to FY2025: Manufacturers and Traders Trust Company (19), KeyBank National Association (15), Empire State Certified Development Corporation (6), Community Bank, National Association (4), Live Oak Banking Company (3). Volume says how active a lender is, nothing about terms or service.
How large are typical SBA loans in Oswego County?
The median 7(a) approval was $60K and the median 504 approval $207K; the New York 7(a) median was $130K.
Which industries get the most SBA loans in Oswego County?
Restaurants and Other Eating Places (8); Other Specialty Trade Contractors (8); Machine Shops; Turned Product; and Screw, Nut, and Bolt Manufacturing (3); Other Personal Services (3); Specialized Freight Trucking (3).
Is SBA lending in Oswego County rising?
Approvals in the three latest complete fiscal years total 46, against 32 in the three before: rising (+44%).
How does Oswego County compare with the rest of New York?
31.5 approvals per 1,000 establishments against 38.1 statewide, and 66 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