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County42nd of 62 in New York by approvalsFIPS 36115
SBA loans in Washington 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 48 loans to businesses in Washington County, New York, in FY2021 to FY2025, worth $16.3M: 47 under 7(a) and 1 under 504.
That is 45.1 approvals per 1,000 business establishments (1,065 establishments in 2023), above the New York figure of 38.1 and close to the national 41.0.
It ranks 42nd of 62 New York counties with approvals. In FY2025 there were 11, down 27% on FY2024.
19 lenders had approvals here; the most active were TD Bank, National Association (11), Arrow Bank National Association (11) and The Adirondack Trust Company (4). The most common industry was beverage manufacturing.
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 Washington County
By number of approvals to businesses in the county, FY2021–FY2025; 19 lenders had at least one.
| # | Lender | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | TD Bank, National AssociationWilmington, DE | 11 | $1.3M | 22.9% | |
| 2 | Arrow Bank National AssociationGlens Falls, NY | 11 | $844K | 22.9% | |
| 3 | The Adirondack Trust CompanySaratoga Springs, NY | 4 | $367K | 8.3% | |
| 4 | Live Oak Banking CompanyWilmington, NC | 3 | $7.7M | 6.3% | |
| 5 | Newtek Bank, National AssociationMiami, FL | 2 | — | 4.2% | |
| 6 | Beacon Bank and TrustBrookline, MA | 2 | — | 4.2% | |
| 7 | Manufacturers and Traders Trust CompanyBuffalo, NY | 2 | — | 4.2% | |
| 8 | KeyBank National AssociationCleveland, OH | 2 | — | 4.2% | |
| 9 | New York Business Development CorporationLatham, NY | 1 | — | 2.1% | |
| 10 | First Merchants BankIndianapolis, IN | 1 | — | 2.1% | |
| 11 | Empire State Certified Development CorporationLatham, NY · CDC | 1 | — | 2.1% | |
| 12 | Citizens Bank, National AssociationProvidence, RI | 1 | — | 2.1% | |
| 13 | NBT Bank, National AssociationNorwich, NY | 1 | — | 2.1% | |
| 14 | Ballston Spa National BankBallston Spa, NY | 1 | — | 2.1% | |
| 15 | Heritage Family FCURutland, VT | 1 | — | 2.1% |
Industries
| # | Industry group (NAICS 4-digit) | Approvals | Share | |
|---|---|---|---|---|
| 1 | Beverage ManufacturingNAICS 3121 | 5 | 10.4% | |
| 2 | Death Care ServicesNAICS 8122 | 3 | 6.3% | |
| 3 | General Freight TruckingNAICS 4841 | 3 | 6.3% | |
| 4 | Services to Buildings and DwellingsNAICS 5617 | 3 | 6.3% | |
| 5 | Other Amusement and Recreation IndustriesNAICS 7139 | 2 | 4.2% | |
| 6 | Other Food ManufacturingNAICS 3119 | 2 | 4.2% | |
| 7 | Foundation, Structure, and Building Exterior ContractorsNAICS 2381 | 2 | 4.2% | |
| 8 | Coating, Engraving, Heat Treating, and Allied ActivitiesNAICS 3328 | 2 | 4.2% | |
| 9 | Restaurants and Other Eating PlacesNAICS 7225 | 2 | 4.2% | |
| 10 | Residential Building ConstructionNAICS 2361 | 2 | 4.2% |
Sectors
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Manufacturing | 11 | 22.9% | |
| 2 | Other Services (except Public Administration) | 8 | 16.7% | |
| 3 | Construction | 8 | 16.7% | |
| 4 | Retail Trade | 4 | 8.3% | |
| 5 | Transportation and Warehousing | 4 | 8.3% | |
| 6 | Arts, Entertainment, and Recreation | 3 | 6.3% | |
| 7 | Administrative and Support and Waste Management and Remediation Services | 3 | 6.3% | |
| 8 | Accommodation and Food Services | 2 | 4.2% |
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* | 2 | — | — | 0 | — | 2 | 16 |
| FY2025 | 10 | $3.6M | $92K | 1 | — | 11 | 115 |
| FY2024 | 15 | $4.2M | $80K | 0 | — | 15 | 82 |
| FY2023 | 10 | $5.6M | $76K | 0 | — | 10 | 95 |
| FY2022 | 8 | $2.3M | $125K | 0 | — | 8 | 39 |
| FY2021 | 4 | $210K | $45K | 0 | — | 4 | 8 |
| FY2020 | 9 | $3.7M | $50K | 0 | — | 9 | 46 |
| FY2019 | 5 | $230K | $25K | 0 | — | 5 | 2 |
| FY2018 | 19 | $5.6M | $50K | 2 | — | 21 | 44 |
| FY2017 | 17 | $3.5M | $58K | 1 | — | 18 | 69 |
| FY2016 | 32 | $2.3M | $75K | 1 | — | 33 | 65 |
In FY2016–FY2020, the five fiscal years before the current window, the county had 86 approvals.
Against New York and the country
| FY2021–FY2025 | Washington County | New York | United States |
|---|---|---|---|
| Approvals | 48 | 20,639 | 342,825 |
| Approvals per 1,000 establishments | 45.1 | 38.1 | 41.0 |
| Median 7(a) approval | $87K | $130K | $190K |
| Median 504 approval | — | $685K | $657K |
| Average approval | $340K | $414K | $573K |
| 504 share of approvals | 2.1% | 6.1% | 11.0% |
| Jobs supported per approval, as reported | 7.1 | 8.0 | 10.5 |
| Share of state approvals | 0.2% | 100.0% | — |
Approval sizes
- $50,000 or less39.6%19
- $50,001 to $150,00029.2%14
- $150,001 to $350,00012.5%6
- $350,001 to $1 million12.5%6
- $1 million to $2 million2.1%1
- Over $2 million4.2%2
Age of the businesses
- Existing, more than 2 years old56.3%27
- New business, 2 years or less27.1%13
- Startup, loan funds will open the business10.4%5
- Change of ownership6.3%3
Questions and answers
Which lenders make the most SBA loans in Washington County?
By approvals in FY2021 to FY2025: TD Bank, National Association (11), Arrow Bank National Association (11), The Adirondack Trust Company (4), Live Oak Banking Company (3), Newtek Bank, National Association (2). Volume says how active a lender is, nothing about terms or service.
How large are typical SBA loans in Washington County?
The median 7(a) approval was $87K; the New York 7(a) median was $130K.
Which industries get the most SBA loans in Washington County?
Beverage Manufacturing (5); Death Care Services (3); General Freight Trucking (3); Services to Buildings and Dwellings (3); Other Amusement and Recreation Industries (2).
Is SBA lending in Washington County rising?
Approvals in the three latest complete fiscal years total 36, against 21 in the three before: rising (+71%).
How does Washington County compare with the rest of New York?
45.1 approvals per 1,000 establishments against 38.1 statewide, and 48 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