SBA loans to specialty retail shops in New York
Short answer
SBA's loan file shows 142 loans to specialty retail shops in New York since October 2019. 78.2% went to businesses more than two years old, against 56.5% nationally. These 142 loans are 0.69% of New York's SBA loans, against 0.37% nationwide.
- SBA loans, Oct 2019 to Jun 2026
- 142
- median loan
- $150,000
- dollars approved
- $52.14M
- went to firms over 2 years old
- 78.2%
These are the 142 SBA 7(a) loans to specialty retail shops in New York approved October 2019 to June 2026. Each figure is set against the national figure for the same industry and period. State is where the business is, not where the lender is based. The file lists loans SBA approved, so it shows what lenders have done and not what any lender will do for you. Every state page for this industry uses this same period, so the pages can be compared with each other.
How New York differs from the U.S.
What this means for you. Most of these loans went to businesses with more than two years of history, so an operating record is what lenders in New York usually saw.
Established businesses
78.2% of the loans in New York went to businesses more than two years old, against 56.5% nationally.
How common it is
Specialty retail shops made up 0.69% of the SBA loans approved in New York since October 2019, against 0.37% of loans nationwide. Its share here is 1.8 times its national share.
We compared 9 measures with the national figure for the same period, and these are the 2 that differ clearly. The table compares every measure.
New York next to the U.S.
| Measure | New York | United States | Reading |
|---|---|---|---|
| Industry's share of all SBA loans | 0.69% | 0.37% | Clearly higher |
| Median loan | $150,000 | $150,000 | No clear gap |
| Middle half of loans | $94,875 to $350,000 | $50,000 to $350,000 | – |
| Startups (the loan opens the business) | 4.2% | 9.6% | No clear gap |
| In business 2 years or less | 14.1% | 24.3% | No clear gap |
| In business more than 2 years | 78.2% | 56.5% | Clearly higher |
| Change of ownership | 3.5% | 9.5% | No clear gap |
| SBA Express | 53.5% | 46.6% | No clear gap |
| Lines of credit | 43.7% | 40.9% | No clear gap |
| Median term | 10 years | 10 years | – |
| Median spread over Prime at approval | 3 points over Prime | 2.75 points over Prime | – |
Clearly higher and clearly lower mark a gap large enough to matter and unlikely to be chance for this many loans. Spread over Prime is the rate at approval minus Prime that day, so it is not today's rate. Rows with a dash are shown for reference.
Who lends in New York
The 5 lenders below made 92 of the 142 loans approved October 2019 to June 2026, or 64.8%. A lender is listed when it has 5 or more of them, five at most.
| Lender | Loans | Share here | U.S. share |
|---|---|---|---|
| TD Bank | 33 | 23.2% | 6.9% |
| JPMorgan Chase Bank | 22 | 15.5% | 7.7% |
| M&T Bank | 14 | 9.9% | Not in top 5 |
| BayFirst National Bank | 12 | 8.5% | Not in top 5 |
| FinWise Bank | 11 | 7.7% | Not in top 5 |
Share here is the lender's share of the loans in this state. U.S. share is its share of all loans to this industry nationally. Not in top 5 means it is not one of the five lenders with the most loans to the industry.
Specialty retail shops in other states
Other states where these loans differ clearly from the national pattern, most loans first.
| State | Loans since October 2019 |
|---|---|
| Texas | 84 |
More industries in New York
Other industries in New York with a clear difference from the national pattern, most loans first.
| Industry | Loans since October 2019 |
|---|---|
| Sit-down restaurants | 945 |
| Home remodeling contractors | 609 |
| Fast-food, pizza and counter-service restaurants | 549 |
| Plumbing and HVAC companies | 347 |
| Hair salons and beauty salons | 321 |
| Paving, fencing, pool and other specialty contractors | 316 |
| Gyms, fitness studios and recreational sports centers | 313 |
| Landscaping and lawn care companies | 277 |
How to read this
Counts come from SBA's 7(a) loan-level data release, as of June 30, 2026. The file lists loans SBA approved. It does not list declined applications, so it cannot show approval odds. We do not publish any figure built on fewer than 5 loans. Industry is the NAICS code recorded on each loan. Location is the borrower's address in the file. Loans are those approved October 1, 2019 to June 30, 2026. SBA's fiscal year runs October 1 to September 30. Each figure is set against the national figure for the same period. A gap is called clear when it is large enough to matter and unlikely to be chance for this many loans. A comparison with no clear gap in the loans is not published. Express counts SBA Express and Export Express loans. Lines of credit are loans SBA's file flags as revolving. How we build these pages.
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Cite this page: SBA loans to specialty retail shops in New York. SBA Express Loans, Janover Capital LLC (data as of June 30, 2026). https://www.sbaexpress.loans/industries/all-other-miscellaneous-retailers/new-york/
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