# SBA loans to retail bakeries in New York **Short answer:** SBA's loan file shows 41 loans to retail bakeries in New York since October 2023. 68.3% went to businesses more than two years old, against 42.6% nationally. Canonical page: https://www.sbaexpress.loans/industries/retail-bakeries/new-york/ Data as of: 2026-06-30 A small base This page rests on 41 loans. Medians and shares on so few loans can swing on a few loans, so use them as a rough guide. These are the 41 SBA 7(a) loans to [retail bakeries](https://www.sbaexpress.loans/industries/retail-bakeries/) in [New York](https://www.sbaexpress.loans/new-york-small-business-loans/) approved October 2023 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. ## 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 68.3% of the loans in New York went to businesses more than two years old, against 42.6% nationally. In business more than 2 years, share of loans, Oct 2023 to Jun 2026 - New York: 68.3% - United States: 42.6% We compared 8 measures with the national figure for the same period, and this is the one that differs clearly. The table compares every measure. ## New York next to the U.S. **New York compared with all loans to retail bakeries in the U.S., October 2023 to June 2026** | Measure | New York | United States | Reading | | --- | --- | --- | --- | | Industry's share of all SBA loans | 0.38% | 0.32% | No clear gap | | Median loan | $100,000 | $150,000 | No clear gap | | Middle half of loans | $50,000 to $300,000 | $50,000 to $500,000 | – | | Startups (the loan opens the business) | 12.2% | 32.9% | No clear gap | | In business 2 years or less | 14.6% | 15.8% | No clear gap | | In business more than 2 years | 68.3% | 42.6% | Clearly higher | | Change of ownership | Fewer than 5 | 8.5% | n/a | | SBA Express | 39.0% | 28.3% | No clear gap | | Lines of credit | 34.1% | 20.4% | No clear gap | | Median term | 10 years | 10 years | – | | Median spread over Prime at approval | 3 points over Prime | 2.5 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 lender below made 6 of the 41 loans approved October 2023 to June 2026, or 14.6%. A lender is listed when it has 5 or more of them, five at most. **Top lenders in New York** | Lender | Loans | Share here | U.S. share | | --- | --- | --- | --- | | [JPMorgan Chase Bank](https://www.sbaexpress.loans/sba-express-lenders/jpmorgan-chase-bank/) | 6 | 14.6% | 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. ## Retail bakeries in other states Other states where these loans differ clearly from the national pattern, most loans first. **Retail bakeries by state** | State | Loans since October 2019 | | --- | --- | | [California](https://www.sbaexpress.loans/industries/retail-bakeries/california/) | 119 | ## More industries in New York Other industries in New York with a clear difference from the national pattern, most loans first. **Other industries in New York** | Industry | Loans since October 2019 | | --- | --- | | [Sit-down restaurants](https://www.sbaexpress.loans/industries/full-service-restaurants/new-york/) | 945 | | [Home remodeling contractors](https://www.sbaexpress.loans/industries/residential-remodelers/new-york/) | 609 | | [Fast-food, pizza and counter-service restaurants](https://www.sbaexpress.loans/industries/limited-service-restaurants/new-york/) | 549 | | [Plumbing and HVAC companies](https://www.sbaexpress.loans/industries/plumbing-heating-air-conditioning-contractors/new-york/) | 347 | | [Hair salons and beauty salons](https://www.sbaexpress.loans/industries/beauty-salons/new-york/) | 321 | | [Paving, fencing, pool and other specialty contractors](https://www.sbaexpress.loans/industries/all-other-specialty-trade-contractors/new-york/) | 316 | | [Gyms, fitness studios and recreational sports centers](https://www.sbaexpress.loans/industries/fitness-recreational-sports-centers/new-york/) | 313 | | [Landscaping and lawn care companies](https://www.sbaexpress.loans/industries/landscaping-services/new-york/) | 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, 2023 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](https://www.sbaexpress.loans/method/). ## Sources - [SBA 7(a) and 504 FOIA loan-level data, as of June 30, 2026](https://data.sba.gov/dataset/7a-504-foia)