GOOD
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
93
2011–2026
Total Volume
$69M
Gross loan amounts
States Active
2
With recorded loans
Programs
7(a) & 504
93 total segments
Empire State Bank has a strong focus on existing businesses, with 50% of their deals serving this purpose. This could be beneficial if you're looking to acquire an established company.
With an average 7(a) spread of P+2.64%, Empire State Bank offers competitive pricing compared to the national median of P+2.75%. This could save you money on interest over the life of your loan.
Empire State Bank has experienced a significant decline in growth, with a -44% year-over-year decrease in deals. This trend may indicate a tighter lending environment, making it potentially harder to secure a loan.
Quarterly SBA lending activity, last 5 years.
Estimated spreads based on real historical SBA lending data. Directional, not exact quotes. Excludes 12 504 loans, which use fixed SBA debenture rates.
States where Empire State Bank has recorded SBA lending activity.
Lending activity by industry cluster.
Top 8 of 15 industries by deal count
Food & Beverage Stores
Retail Trade
Restaurants & Food Service
Accommodation & Food Services
Manufacturing
Manufacturing
Wholesale Trade
Wholesale Trade
Specialty Trade Contractors
Construction
Miscellaneous Retail
Retail Trade
Retail Trade
Retail Trade
Arts, Entertainment & Recreation
Arts, Entertainment & Recreation
+ 7 more
All recorded SBA lending activity for Empire State Bank, grouped by state, industry, and deal size.
| Segment | Program | Deals↓ | Median Spread | Avg Size | Last Deal |
|---|---|---|---|---|---|
| New York · Food & Beverage Stores · $2M – $5M | 7(a) | 7 | P+2.50% | $3.7M | Q1 2025 |
| New York · Manufacturing · Under $150K | 7(a) | 4 | P+2.75% | $88K | Q1 2017 |
| New York · Restaurants & Food Service · $150K – $350K | 7(a) | 3 | P+2.75% | $251K | Q3 2017 |
| New York · Restaurants & Food Service · $500K – $1M | 7(a) | 3 | P+2.25% | $585K | Q1 2015 |
| New York · Auto Repair & Maintenance · $150K – $350K | 7(a) | 2 | P+2.75% | $327K | Q2 2017 |
| New York · Miscellaneous Retail · Under $150K | 7(a) | 2 | P+2.88% | $75K | Q4 2015 |
| New York · Physician & Dental Offices · $150K – $350K | 7(a) | 2 | P+2.75% | $275K | Q3 2011 |
| New York · Manufacturing · $150K – $350K | 7(a) | 2 | P+2.75% | $335K | Q1 2016 |
| New York · Miscellaneous Retail · $2M – $5M | 7(a) | 2 | P+2.63% | $3.0M | Q4 2016 |
| New Jersey · Specialty Trade Contractors · $150K – $350K | 7(a) | 2 | P+2.50% | $263K | Q4 2016 |
| New York · Food & Beverage Stores · Under $150K | 7(a) | 2 | P+2.75% | $38K | Q3 2016 |
| New York · Food & Beverage Stores · $1M – $2M | 7(a) | 2 | P+2.63% | $1.3M | Q3 2013 |
| New York · Wholesale Trade · $350K – $500K | 7(a) | 2 | P+2.63% | $400K | Q1 2013 |
| New York · Restaurants & Food Service · Under $150K | 7(a) | 2 | P+2.75% | $50K | Q2 2015 |
| New York · Retail Trade · $150K – $350K | 7(a) | 2 | P+2.38% | $310K | Q2 2014 |
| New Jersey · Specialty Trade Contractors · Under $150K | 7(a) | 2 | P+2.63% | $75K | Q1 2017 |
| New York · Real Estate · $150K – $350K | 7(a) | 2 | P+3.00% | $342K | Q2 2016 |
| New York · Other Professional Services · Under $150K | 7(a) | 2 | P+3.13% | $100K | Q1 2016 |
| New York · Arts, Entertainment & Recreation · $150K – $350K | 7(a) | 2 | P+2.75% | $289K | Q3 2016 |
| New York · Other Health Practitioners · $350K – $500K | 7(a) | 1 | P+2.00% | $482K | Q4 2011 |
| New York · Hotels & Accommodation · $150K – $350K | 7(a) | 1 | P+2.75% | $311K | Q3 2015 |
| New York · Hotels & Accommodation · $350K – $500K | 7(a) | 1 | P+2.75% | $489K | Q2 2016 |
| New York · Restaurants & Food Service · $350K – $500K | 7(a) | 1 | P+2.75% | $400K | Q3 2015 |
| New York · Personal Care (Salons, Spas) · $150K – $350K | 7(a) | 1 | P+2.75% | $270K | Q2 2013 |
| New York · Laundry & Dry Cleaning · $500K – $1M | 7(a) | 1 | P+1.50% | $630K | Q3 2011 |
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