SBA 7(a) lenders in Saratoga, NY

Approvals in SBA fiscal years 2008–2026. Source data as of 2026-06-30.

Lenders

58 institutions have SBA 7(a) loans on record in Saratoga, together $211.5M across 1,140 loans. The Adirondack Trust Company is the largest, with 13% of approvals.

Showing

Yearsto

Rank	Lender	Loans	Approved	Share	Loss rate
1	The Adirondack Trust Company	338	$27.9M	13.2%	0.67%
2	KeyBank National Association	119	$21.8M	10.3%	4.59%
3	New York Business Development Corporation	38	$17.9M	8.5%	10.25%
4	TD Bank, National Association	32	$15.1M	7.1%	0.58%
5	NBT Bank, National Association	76	$15.0M	7.1%	1.82%
6	Manufacturers and Traders Trust Company	68	$13.8M	6.5%	2.22%
7	Arrow Bank National Association	159	$13.8M	6.5%	0.00%
8	Live Oak Banking Company	7	$8.0M	3.8%	0.00%
9	Beacon Bank and Trust	68	$7.0M	3.3%	2.48%
10	Stearns Bank National Association	4	$5.7M	2.7%	0.00%
11	Mid Penn Bank	3	$5.2M	2.5%	0.00%
12	The Bank of Princeton	1	$5.0M	2.4%	19.75%
13	Ballston Spa National Bank	57	$4.3M	2.0%	4.58%
14	VelocitySBA, LLC	3	$3.9M	1.9%	0.17%
15	Northeast Bank	10	$3.9M	1.8%	0.00%
16	Chemung Canal Trust Company	20	$3.5M	1.6%	0.00%
17	Community Bank, National Association	11	$3.4M	1.6%	5.56%
18	Harvest Small Business Finance, LLC	2	$3.0M	1.4%	0.00%
19	Celtic Bank Corporation	5	$2.8M	1.3%	2.12%
20	Bank of America, National Association	8	$2.3M	1.1%	13.17%
21	Evolve Bank and Trust	1	$2.3M	1.1%	0.00%
22	Greylock Federal Credit Union	2	$1.9M	0.9%	42.80%
23	Readycap Lending, LLC	4	$1.6M	0.8%	0.00%
24	Newtek Small Business Finance, Inc.	1	$1.5M	0.7%	0.00%
25	Capital Bank, National Association	2	$1.4M	0.7%	0.00%
26	BayFirst National Bank	9	$1.4M	0.7%	22.72%
27	HSBC Bank USA National Association	5	$1.4M	0.6%	0.00%
28	Citizens Bank, National Association	16	$1.3M	0.6%	0.00%
29	The Huntington National Bank	6	$1.3M	0.6%	0.00%
30	Byline Bank	2	$1.2M	0.6%	0.00%
31	First Financial Bank	2	$1.1M	0.5%	0.00%
32	NYBDC Local Development Corporation dba Pursuit Community Finance	4	$915K	0.4%	0.00%
33	First Internet Bank of Indiana	1	$867K	0.4%	0.00%
34	Empire State Certified Development Corporation	9	$860K	0.4%	13.66%
35	Peoples State Bank	1	$835K	0.4%	0.00%
36	JPMorgan Chase Bank, National Association	5	$814K	0.4%	7.69%
37	FDIC - Community Bank & Trust-West Georgia	1	$797K	0.4%	0.00%
38	MVB Bank, Inc.	1	$744K	0.4%	0.00%
39	PNC Bank, National Association	2	$687K	0.3%	0.00%
40	Newtek Bank, National Association	3	$606K	0.3%	0.00%
41	First Merchants Bank	1	$540K	0.3%	0.00%
42	Oconee State Bank	1	$500K	0.2%	0.00%
43	Hudson Valley Federal Credit Union	5	$440K	0.2%	0.00%
44	Trustco Bank	5	$415K	0.2%	0.00%
45	First National Bank of Scotia	7	$412K	0.2%	0.00%
46	United Midwest Savings Bank National Association	2	$383K	0.2%	0.00%
47	Five Star Bank	1	$350K	0.2%	0.00%
48	Lendistry SBLC, LLC	1	$303K	0.1%	0.00%
49	Shinhan Bank America	1	$300K	0.1%	0.00%
50	New Millennium Bank	1	$190K	0.1%	0.00%
51	CRF Small Business Loan Company, LLC	1	$175K	0.1%	0.00%
52	Independence Bank	2	$175K	0.1%	87.95%
53	Unity Bank	1	$160K	0.1%	0.00%
54	Colony Bank	1	$150K	0.1%	0.00%
55	BayPort Federal Credit Union	1	$90K	0.0%	0.00%
56	Capital One National Association	1	$50K	0.0%	95.78%
57	Vermont Community Loan Fund, Inc.	1	$49K	0.0%	0.00%
58	SoFi Bank, National Association	1	$20K	0.0%	0.00%

Loss rates cover every approval year on record together. SBA 7(a) losses peak two to four years after approval, so a lender whose lending is mostly recent will show a low rate because its loans have not aged yet, not because they are performing better.

What the money went into

Rank	Industry	Loans	Approved	Share of county
1	Accommodation & food services	152	$41.5M	19.6%
2	Professional & technical services	151	$23.7M	11.2%
3	Health care & social assistance	99	$20.1M	9.5%
4	Retail trade	95	$16.6M	7.8%
5	Construction	147	$14.9M	7.0%
6	Manufacturing	19	$14.8M	7.0%
7	Other services	88	$12.5M	5.9%
8	Information	14	$9.4M	4.4%
9	Administrative & waste services	63	$8.7M	4.1%
10	Wholesale trade	39	$7.7M	3.6%
11	Manufacturing	32	$7.6M	3.6%
12	Arts, entertainment & recreation	42	$6.8M	3.2%
13	Manufacturing	20	$5.8M	2.7%
14	Real estate & leasing	35	$4.8M	2.3%
15	Retail trade	49	$3.6M	1.7%
16	Educational services	24	$3.3M	1.6%
17	Finance & insurance	27	$3.1M	1.4%
18	Transportation & warehousing	2	$1.9M	0.9%
19	Transportation & warehousing	27	$1.8M	0.8%
20	Management of companies	1	$1.5M	0.7%
21	Agriculture, forestry & fishing	10	$1.3M	0.6%
22	Utilities	2	$175K	0.1%
23	Public administration	2	$175K	0.1%

Industry is the borrower’s NAICS sector as recorded by SBA at approval, grouped to the two-digit sector.

About this data

Built from the U.S. Small Business Administration’s 7(a) FOIA data release, a public record covering approvals from fiscal year 2008 onward and refreshed each quarter. SBA fiscal years end 30 September, so the most recent year is partial. Figures are approvals, not outstanding balances, and SBA attributes each loan to the institution that holds it today rather than the one that originated it — an acquisitive lender therefore shows books it did not write.