STRONG
How competitive are their spreads? Lower = better for you.
STRONG
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
843
2011–2026
Total Volume
$94M
Gross loan amounts
States Active
1
With recorded loans
Programs
7(a) & 504
843 total segments
ESL FCU focuses primarily on existing businesses, with 66% of their deals in this category. This makes them a strong choice for established companies looking for financing.
With an average 7(a) spread of P+0.85%, ESL FCU 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.
Despite a minimal presence in 504 loans (only 1.4% of total deals), ESL FCU's focus on 7(a) loans means they are best suited for smaller financing needs, especially under $150K, which makes up 83% of their deals.
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 ESL FCU has recorded SBA lending activity.
Lending activity by industry cluster.
Top 8 of 15 industries by deal count
Specialty Trade Contractors
Construction
Manufacturing
Manufacturing
Administrative & Waste Services
Administrative & Waste Services
Restaurants & Food Service
Accommodation & Food Services
Transportation & Warehousing
Transportation & Warehousing
Building Construction
Construction
Personal Care (Salons, Spas)
Other Services
Other Repair & Services
Other Services
+ 7 more
All recorded SBA lending activity for ESL FCU, grouped by state, industry, and deal size.
| Segment | Program | Deals↓ | Median Spread | Avg Size | Last Deal |
|---|---|---|---|---|---|
| New York · Specialty Trade Contractors · Under $150K | 7(a) | 82 | P+1.75% | $48K | Q4 2025 |
| New York · Restaurants & Food Service · Under $150K | 7(a) | 63 | P+1.25% | $42K | Q4 2025 |
| New York · Administrative & Waste Services · Under $150K | 7(a) | 61 | P+1.75% | $33K | Q4 2025 |
| New York · Transportation & Warehousing · Under $150K | 7(a) | 59 | P+1.40% | $49K | Q4 2025 |
| New York · Manufacturing · Under $150K | 7(a) | 47 | P+1.30% | $57K | Q3 2025 |
| New York · Building Construction · Under $150K | 7(a) | 45 | P+1.65% | $45K | Q4 2025 |
| New York · Personal Care (Salons, Spas) · Under $150K | 7(a) | 35 | P+1.45% | $47K | Q4 2025 |
| New York · Other Repair & Services · Under $150K | 7(a) | 27 | P+1.00% | $58K | Q1 2025 |
| New York · Auto Repair & Maintenance · Under $150K | 7(a) | 24 | P+1.41% | $58K | Q2 2025 |
| New York · Food & Beverage Stores · Under $150K | 7(a) | 21 | P+1.00% | $64K | Q3 2025 |
| New York · Other Health Practitioners · Under $150K | 7(a) | 20 | P+1.45% | $43K | Q2 2025 |
| New York · Arts, Entertainment & Recreation · Under $150K | 7(a) | 20 | P+1.65% | $49K | Q3 2025 |
| New York · Wholesale Trade · Under $150K | 7(a) | 17 | P+1.50% | $60K | Q4 2025 |
| New York · Real Estate · Under $150K | 7(a) | 15 | P+1.70% | $50K | Q4 2024 |
| New York · Education · Under $150K | 7(a) | 15 | P+1.70% | $39K | Q2 2025 |
| New York · Manufacturing · $150K – $350K | 7(a) | 15 | P+0.86% | $256K | Q3 2025 |
| New York · Retail Trade · Under $150K | 7(a) | 15 | P+1.75% | $57K | Q3 2024 |
| New York · Miscellaneous Retail · Under $150K | 7(a) | 14 | P+1.45% | $31K | Q4 2025 |
| New York · Finance & Insurance · Under $150K | 7(a) | 14 | P+1.75% | $54K | Q3 2025 |
| New York · Engineering & Architecture · Under $150K | 7(a) | 12 | P+1.88% | $63K | Q1 2025 |
| New York · Social Assistance · Under $150K | 7(a) | 12 | P+1.70% | $55K | Q3 2025 |
| New York · Management & IT Consulting · Under $150K | 7(a) | 12 | P+1.75% | $46K | Q2 2025 |
| New York · Accounting & Tax · Under $150K | 7(a) | 11 | P+1.75% | $57K | Q2 2025 |
| New York · Other Professional Services · Under $150K | 7(a) | 11 | P+1.75% | $40K | Q1 2025 |
| New York · Specialty Trade Contractors · $150K – $350K | 7(a) | 11 | P+1.00% | $289K | Q2 2025 |
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