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SBA Loans in New York

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$11.4B+
SBA Loans Funded in NY
300+
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10%
Minimum Down Payment
90 sec
Pre-Qualification Time

SBA Financing for New York Businesses

New York is the largest SBA lending market in the nation, with over $11 billion in SBA loan approvals annually. Whether you're acquiring a boutique hotel in Manhattan, purchasing a medical office on Long Island, expanding a franchise in Westchester, or financing multi-family property in Brooklyn, FundMySBA connects you with lenders who specialize in your exact business type and location.

Our network includes over 300 SBA-approved lenders serving every New York market -- from the five boroughs to the Hudson Valley, from the Hamptons to Buffalo. New York's massive and diverse economy means lenders compete aggressively for qualified borrowers, giving you access to the best rates and terms available anywhere.

What We Finance in New York

Hotels & Hospitality

Boutique hotels, motels, resorts, and vacation properties. SBA 504 + 7(a) stacking up to $16.25M.

Commercial Real Estate

Office buildings, retail space, mixed-use, and owner-occupied commercial property. 10% down with SBA 504.

Medical & Dental Offices

Practice acquisitions, medical office buildings, equipment financing, and ambulatory surgery centers.

Multi-Family Properties

Apartment buildings, 5-50 unit properties, owner-occupied multi-family with SBA financing.

Franchise Operations

Franchise buildout, multi-unit expansion, equipment, and real estate for SBA-approved franchise brands.

Business Acquisitions

Buy an existing business with SBA 7(a). Covers goodwill, assets, real estate, and working capital.

New York Markets We Serve

New York City Manhattan Brooklyn Queens Long Island Westchester Albany Buffalo Rochester The Hamptons The Bronx Staten Island White Plains Syracuse Yonkers Hudson Valley

View all New York market guides →

Frequently Asked Questions

What SBA loan programs are available in New York?

New York businesses can access SBA 7(a) loans up to $5M for working capital, equipment, and acquisitions; SBA 504 loans up to $5.5M for commercial real estate and heavy equipment with fixed rates and 10% down; SBA Express loans up to $500K with 36-hour approval; and SBA Microloans up to $50K for startups.

How fast can I get pre-qualified?

Pre-qualification through FundMySBA takes 90 seconds. Answer 4 simple questions about your business and funding needs, and we instantly match you with SBA-approved lenders in New York. No credit check required for pre-qualification.

What industries qualify for SBA loans in New York?

Most for-profit New York businesses qualify, including hotels and hospitality, commercial real estate, medical and dental practices, franchise operations, multi-family properties, professional services, manufacturing, and retail. Some restrictions apply to certain industries.

Can SBA loans cover New York's high commercial real estate costs?

Yes. SBA 504 loans allow up to $5.5M for commercial real estate with just 10% down, and you can stack SBA 7(a) financing on top for total project costs up to $16.25M. New York's strong rental markets and high property values often support larger loan amounts with favorable debt service coverage ratios.

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