The highest-volume SBA market in the United States. Get instantly matched with 300+ SBA-approved lenders serving Manhattan, Brooklyn, Queens, and all five boroughs. No credit impact.
New York City is the largest and most active SBA lending market in the United States, processing over $7.2 billion in annual SBA loan approvals. With the highest commercial real estate values in the country, Manhattan alone drives billions in SBA 504 loan demand for property acquisitions -- and the ability to stack SBA 504 with conventional financing means borrowers can fund transactions exceeding $16 million with just 10% down.
From hotel acquisitions in Midtown to medical office buildouts on the Upper East Side, franchise expansions in Brooklyn, and multi-family investments in Queens, FundMySBA connects NYC borrowers with lenders who understand the city's uniquely competitive commercial landscape. Every borough presents distinct opportunities, and our lender network includes specialists for each.
New York City's hotel market is the largest in North America, with over 120,000 rooms and average daily rates exceeding $300. SBA 504 loans are the preferred financing vehicle for hotel acquisitions and renovations in Manhattan, Brooklyn, and Queens -- offering 10% down, below-market fixed rates, and 25-year terms. SBA 504 stacking allows borrowers to finance properties valued at $16 million and above, making even Midtown boutique hotel acquisitions achievable for owner-operators.
Manhattan, Brooklyn, and Queens represent the most valuable commercial real estate corridor in the United States. SBA 504 loans provide the most favorable terms available for owner-occupied commercial property acquisitions -- 10% down payment, fixed interest rates, and 25-year amortization. For NYC's high-value properties, 504 stacking with conventional first mortgages unlocks deals that would otherwise require millions in additional equity.
Midtown hotels, Brooklyn boutique properties, Queens airport hotels, and Manhattan hospitality concepts. SBA 504 + 7(a) stacking up to $16M+.
Office buildings, mixed-use properties, and owner-occupied commercial real estate across all five boroughs. 10% down with SBA 504.
5-50 unit apartment buildings in Brooklyn, Queens, the Bronx, and emerging Manhattan neighborhoods. Owner-occupied multi-family with favorable SBA terms.
Practice acquisitions on the Upper East Side, medical office buildouts in Midtown, surgery centers, and specialty clinics throughout NYC.
Multi-unit franchise expansion across NYC's five boroughs. Restaurant chains, fitness brands, service franchises, and QSR buildouts in the densest franchise market in America.
Law firms, accounting practices, tech companies, and financial services firms acquiring or expanding office space in Manhattan's Financial District and Midtown.
New York City processes more SBA loan volume than any other metro in the country, driven by the highest concentration of commercial real estate, hotels, medical practices, and franchise operations in the U.S. Manhattan alone has over 250,000 businesses, and the five boroughs collectively represent a $1.8 trillion GDP economy with massive demand for SBA 7(a) and 504 financing.
Pre-qualification through FundMySBA takes 90 seconds. Answer 4 simple questions about your New York City business and funding needs, and we instantly match you with SBA-approved lenders who specialize in your industry and borough. No credit check required for pre-qualification.
Yes. SBA 504 loans can be stacked with conventional financing to fund commercial property acquisitions exceeding $16 million in Manhattan and throughout NYC. This structure is especially popular for hotel acquisitions, mixed-use buildings, and medical office complexes where property values far exceed standard loan limits.
Most for-profit businesses operating in New York City qualify, including hotels and hospitality, commercial real estate acquisitions, medical and dental practices, multi-family properties (5-50 units), franchise operations, restaurants, professional services, and retail. The SBA has no restrictions by borough -- businesses in Manhattan, Brooklyn, Queens, the Bronx, and Staten Island all qualify equally.
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