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
412
2010–2026
Total Volume
$110M
Gross loan amounts
States Active
3
With recorded loans
Programs
7(a) & 504
411 total segments
The Canandaigua National Bank and Trust Company has a significant focus on existing businesses, with 53% of their deals supporting established companies. This suggests they are well-suited for borrowers looking to expand or refinance existing operations rather than startups.
With an average 7(a) spread of P+1.30%, Canandaigua offers competitive pricing compared to the national median of ~P+2.75%. This lower spread can make borrowing more affordable for small businesses, especially those in their top industries like manufacturing and restaurants.
The lender's growth trend is impressive, showing a 47% year-over-year increase in deals. This upward trajectory indicates a strong demand for their services, which could mean a more streamlined approval process for new borrowers as they scale.
Quarterly SBA lending activity, last 5 years.
Estimated spreads based on real historical SBA lending data. Directional, not exact quotes. Excludes 79 504 loans, which use fixed SBA debenture rates.
States where The Canandaigua National Bank and Trust Company has recorded SBA lending activity.
Lending activity by industry cluster.
Top 8 of 15 industries by deal count
Manufacturing
Manufacturing
Restaurants & Food Service
Accommodation & Food Services
Specialty Trade Contractors
Construction
Wholesale Trade
Wholesale Trade
Administrative & Waste Services
Administrative & Waste Services
Retail Trade
Retail Trade
Other Repair & Services
Other Services
Personal Care (Salons, Spas)
Other Services
+ 7 more
All recorded SBA lending activity for The Canandaigua National Bank and 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) | 36 | P+1.59% | $68K | Q3 2025 |
| New York · Manufacturing · Under $150K | 7(a) | 26 | P+1.65% | $68K | Q1 2025 |
| New York · Wholesale Trade · Under $150K | 7(a) | 13 | P+2.11% | $71K | Q4 2020 |
| New York · Specialty Trade Contractors · Under $150K | 7(a) | 13 | P+1.49% | $62K | Q1 2023 |
| New York · Personal Care (Salons, Spas) · Under $150K | 7(a) | 12 | P+1.89% | $47K | Q2 2018 |
| New York · Manufacturing · $150K – $350K | 7(a) | 12 | P+1.27% | $257K | Q2 2025 |
| New York · Restaurants & Food Service · $150K – $350K | 7(a) | 11 | P+1.00% | $236K | Q3 2024 |
| New York · Administrative & Waste Services · Under $150K | 7(a) | 11 | P+1.79% | $98K | Q1 2023 |
| New York · Other Repair & Services · Under $150K | 7(a) | 9 | P+2.00% | $42K | Q2 2025 |
| New York · Arts, Entertainment & Recreation · Under $150K | 7(a) | 9 | P+1.50% | $77K | Q2 2020 |
| New York · Retail Trade · Under $150K | 7(a) | 9 | P+1.00% | $74K | Q2 2025 |
| New York · Food & Beverage Stores · Under $150K | 7(a) | 8 | P+1.29% | $82K | Q3 2023 |
| New York · Miscellaneous Retail · Under $150K | 7(a) | 8 | P+2.25% | $65K | Q3 2018 |
| New York · Specialty Trade Contractors · $500K – $1M | 7(a) | 7 | P+1.25% | $649K | Q2 2025 |
| New York · Other Health Practitioners · Under $150K | 7(a) | 7 | P+2.00% | $78K | Q3 2024 |
| New York · Auto Repair & Maintenance · Under $150K | 7(a) | 6 | P+1.19% | $82K | Q3 2017 |
| New York · General Merchandise · Under $150K | 7(a) | 6 | P+1.44% | $83K | Q1 2020 |
| New York · Other Professional Services · Under $150K | 7(a) | 6 | P+1.25% | $66K | Q3 2021 |
| New York · Education · Under $150K | 7(a) | 6 | P+2.75% | $93K | Q2 2016 |
| New York · Specialty Trade Contractors · $150K – $350K | 7(a) | 6 | P+1.13% | $246K | Q2 2022 |
| New York · Administrative & Waste Services · $150K – $350K | 7(a) | 5 | P+1.25% | $232K | Q3 2025 |
| New York · Real Estate · Under $150K | 7(a) | 5 | P+1.25% | $73K | Q3 2020 |
| New York · Retail Trade · $150K – $350K | 7(a) | 4 | P+1.79% | $246K | Q2 2015 |
| New York · General Merchandise · $150K – $350K | 7(a) | 4 | P+1.13% | $290K | Q3 2019 |
| New York · Building Construction · Under $150K | 7(a) | 4 | P+1.40% | $66K | Q2 2020 |
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