STRONG
How competitive are their spreads? Lower = better for you.
GOOD
Total SBA loans closed. More deals = more experience.
GOOD
How many industries do they lend in? More = flexible.
WEAK
States where they've done deals. Wider = easier if you're out of state.
Total SBA Loans
172
2010–2026
Total Volume
$36M
Gross loan amounts
States Active
3
With recorded loans
Programs
7(a) & 504
172 total segments
Chemung Canal Trust Company has a strong focus on existing businesses, with 61% of their deals serving this segment. This indicates they are well-suited for established companies looking to expand or refinance.
With an average 7(a) spread of P+1.22%, Chemung Canal Trust Company offers competitive pricing compared to the national median of P+2.75%. This can lead to significant savings over the life of your loan.
The lender's growth trend shows a decline of 35% year-over-year in deal volume, which may indicate a tightening of lending standards. Borrowers should be prepared for potentially more rigorous approval processes.
Quarterly SBA lending activity, last 5 years.
Estimated spreads based on real historical SBA lending data. Directional, not exact quotes. Excludes 33 504 loans, which use fixed SBA debenture rates.
States where Chemung Canal Trust Company has recorded SBA lending activity.
Lending activity by industry cluster.
Top 8 of 15 industries by deal count
Restaurants & Food Service
Accommodation & Food Services
Manufacturing
Manufacturing
Specialty Trade Contractors
Construction
Arts, Entertainment & Recreation
Arts, Entertainment & Recreation
Administrative & Waste Services
Administrative & Waste Services
Retail Trade
Retail Trade
Food & Beverage Stores
Retail Trade
Other Health Practitioners
Health Care & Social Assistance
+ 7 more
All recorded SBA lending activity for Chemung Canal Trust Company, grouped by state, industry, and deal size.
| Segment | Program | Deals↓ | Median Spread | Avg Size | Last Deal |
|---|---|---|---|---|---|
| New York · Restaurants & Food Service · Under $150K | 7(a) | 18 | P+0.49% | $89K | Q4 2025 |
| New York · Manufacturing · Under $150K | 7(a) | 12 | P+1.50% | $62K | Q2 2024 |
| New York · Retail Trade · Under $150K | 7(a) | 6 | P+2.00% | $54K | Q3 2021 |
| New York · Food & Beverage Stores · Under $150K | 7(a) | 5 | P+1.75% | $89K | Q4 2023 |
| New York · Specialty Trade Contractors · Under $150K | 7(a) | 5 | P+2.00% | $83K | Q1 2021 |
| New York · Restaurants & Food Service · $150K – $350K | 7(a) | 4 | P+1.25% | $245K | Q3 2024 |
| New York · Arts, Entertainment & Recreation · Under $150K | 7(a) | 4 | P+2.00% | $45K | Q2 2024 |
| New York · Manufacturing · $150K – $350K | 7(a) | 4 | P+1.75% | $238K | Q3 2022 |
| New York · Management & IT Consulting · Under $150K | 7(a) | 4 | P+1.00% | $106K | Q1 2025 |
| New York · Specialty Trade Contractors · $150K – $350K | 7(a) | 3 | P+0.49% | $240K | Q4 2025 |
| New York · Administrative & Waste Services · Under $150K | 7(a) | 3 | P+0.45% | $59K | Q2 2024 |
| New York · Education · Under $150K | 7(a) | 3 | P+1.25% | $75K | Q1 2022 |
| New York · Engineering & Architecture · Under $150K | 7(a) | 3 | P+1.50% | $24K | Q3 2024 |
| New York · Other Health Practitioners · Under $150K | 7(a) | 3 | P+1.00% | $70K | Q2 2024 |
| New York · Utilities · $150K – $350K | 7(a) | 3 | P+2.00% | $283K | Q2 2021 |
| New York · Real Estate · Under $150K | 7(a) | 3 | P+0.75% | $98K | Q1 2023 |
| New York · Building Construction · $150K – $350K | 7(a) | 3 | P+2.00% | $222K | Q4 2024 |
| New York · Other Professional Services · $150K – $350K | 7(a) | 2 | P+1.38% | $325K | Q3 2021 |
| New York · Auto Dealers & Parts · Under $150K | 7(a) | 2 | P+2.00% | $78K | Q3 2018 |
| New York · Auto Dealers & Parts · $500K – $1M | 7(a) | 2 | P+2.50% | $697K | Q4 2009 |
| New York · Physician & Dental Offices · Under $150K | 7(a) | 2 | P+0.00% | $105K | Q1 2024 |
| New York · Auto Repair & Maintenance · Under $150K | 7(a) | 2 | P+1.75% | $90K | Q4 2024 |
| New York · Personal Care (Salons, Spas) · Under $150K | 7(a) | 2 | P+2.00% | $25K | Q4 2022 |
| New York · Transportation & Warehousing · Under $150K | 7(a) | 2 | P+2.06% | $88K | Q1 2019 |
| New York · Real Estate · $150K – $350K | 7(a) | 2 | P+0.06% | $315K | Q1 2023 |
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