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
489
2010–2026
Total Volume
$66M
Gross loan amounts
States Active
2
With recorded loans
Programs
7(a) & 504
489 total segments
The Adirondack Trust Company has a strong focus on existing businesses, with 73% of their deals supporting established companies. This could be beneficial if you're looking to buy or expand an existing business.
With an average 7(a) spread of P+1.34%, Adirondack Trust Company offers competitive pricing compared to the national median of P+2.75%. This could lead to significant savings on interest over the life of your loan.
The lender's 10% share of 504 loans indicates a balanced approach to financing, but it's lower than the national average of 18%. If you're specifically seeking 504 financing, you might want to consider other lenders with a stronger focus.
Quarterly SBA lending activity, last 5 years.
Estimated spreads based on real historical SBA lending data. Directional, not exact quotes. Excludes 47 504 loans, which use fixed SBA debenture rates.
States where The Adirondack 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
Specialty Trade Contractors
Construction
Other Professional Services
Professional Services
Other Health Practitioners
Health Care & Social Assistance
Administrative & Waste Services
Administrative & Waste Services
Manufacturing
Manufacturing
Arts, Entertainment & Recreation
Arts, Entertainment & Recreation
Retail Trade
Retail Trade
+ 7 more
All recorded SBA lending activity for The Adirondack 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) | 59 | P+1.00% | $61K | Q4 2025 |
| New York · Specialty Trade Contractors · Under $150K | 7(a) | 32 | P+2.00% | $47K | Q2 2025 |
| New York · Other Professional Services · Under $150K | 7(a) | 24 | P+1.25% | $57K | Q3 2024 |
| New York · Other Health Practitioners · Under $150K | 7(a) | 22 | P+1.38% | $53K | Q2 2023 |
| New York · Administrative & Waste Services · Under $150K | 7(a) | 20 | P+1.63% | $36K | Q1 2024 |
| New York · Arts, Entertainment & Recreation · Under $150K | 7(a) | 20 | P+1.50% | $62K | Q4 2025 |
| New York · Retail Trade · Under $150K | 7(a) | 20 | P+1.88% | $68K | Q4 2021 |
| New York · Manufacturing · Under $150K | 7(a) | 17 | P+1.50% | $65K | Q1 2025 |
| New York · Transportation & Warehousing · Under $150K | 7(a) | 16 | P+1.23% | $54K | Q2 2024 |
| New York · Real Estate · Under $150K | 7(a) | 15 | P+1.75% | $55K | Q2 2024 |
| New York · Miscellaneous Retail · Under $150K | 7(a) | 13 | P+1.00% | $35K | Q4 2025 |
| New York · Building Construction · Under $150K | 7(a) | 12 | P+1.13% | $42K | Q4 2024 |
| New York · Other Repair & Services · Under $150K | 7(a) | 11 | P+1.00% | $64K | Q1 2025 |
| New York · Finance & Insurance · Under $150K | 7(a) | 11 | P+1.00% | $35K | Q2 2021 |
| New York · General Merchandise · Under $150K | 7(a) | 11 | P+1.75% | $50K | Q4 2020 |
| New York · Engineering & Architecture · Under $150K | 7(a) | 11 | P+2.00% | $43K | Q4 2022 |
| New York · Food & Beverage Stores · Under $150K | 7(a) | 9 | P+2.00% | $62K | Q4 2022 |
| New York · Personal Care (Salons, Spas) · Under $150K | 7(a) | 8 | P+2.50% | $29K | Q3 2021 |
| New York · Manufacturing · $150K – $350K | 7(a) | 8 | P+1.00% | $273K | Q4 2021 |
| New York · Restaurants & Food Service · $150K – $350K | 7(a) | 7 | P+0.75% | $238K | Q3 2024 |
| New York · Physician & Dental Offices · Under $150K | 7(a) | 7 | P+1.75% | $77K | Q1 2018 |
| New York · Management & IT Consulting · Under $150K | 7(a) | 7 | P+2.00% | $65K | Q4 2018 |
| New York · Legal Services · Under $150K | 7(a) | 6 | P+1.75% | $73K | Q4 2018 |
| New York · Other Professional Services · $150K – $350K | 7(a) | 5 | P+1.50% | $260K | Q3 2024 |
| New York · Auto Repair & Maintenance · Under $150K | 7(a) | 5 | P+1.50% | $56K | Q3 2020 |
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