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SBA lenders in Saratoga Springs, NY

SBA 7(a) and 504 loans to businesses in Saratoga Springs (Saratoga County), October 2021 to June 30, 2026 · Updated October 15, 2026
89
SBA loans approved
$28.1M
Total approved
$90,000
Median loan
23
Lenders active
29%
To startups

89 SBA loans worth $28.1M went to businesses in Saratoga Springs, NY between October 2021 and June 2026, from 23 lenders. Adirondack Trust made the most, 29 loans. The median loan was $90,000, compared with $150,000 across New York, and restaurants and hotels was the most financed industry.

Most active SBA lenders in Saratoga Springs

#LenderLoansApprovedMedian loanTo startups
1Adirondack Trust
Bank · Saratoga Springs, NY
29$1.9M$50,00024%
2Empire State Certified Development
Certified development company · Latham, NY
12$7.8M$470,0008%
3Arrow Bank
Bank · Glens Falls, NY
11$947K$50,00027%
4TD Bank
Bank · Wilmington, DE
6$2.7M$47,50050%
5New York Business Development
Non-bank lender · Latham, NY
4$4.7M$812,50050%
6NBT Bank
Bank · Norwich, NY
4$782K$213,50025%
7KeyBank
Bank · Cleveland, OH
4$305K$37,500100%
8Chemung Canal Trust
Bank · Elmira, NY
3$244K$25,00033%
9Northeast Bank
Bank · Portland, ME
2$225K$112,5000%
10VelocitySBA
Non-bank lender · Irving, TX
1$3.9M$3,905,000100%
11First Internet Bank of Indiana
Bank · Fishers, IN
1$867K$867,0000%
12Beacon Bank and Trust
Bank · Boston, MA
1$828K$828,0000%
13Bank of America
Bank · Charlotte, NC
1$500K$500,3000%
14Oconee State Bank
Bank · Watkinsville, GA
1$500K$500,000100%
15Community Bank
Bank · Canton, NY
1$500K$500,0000%
7(a) and 504 lenders combined, ranked by number of loans to businesses in Saratoga Springs. For 504 loans the lender shown is the certified development company.

What gets financed in Saratoga Springs

IndustryLoansShareMedian loanMost active lender
Restaurants and hotels18
20%
$75,000Adirondack Trust
Retail15
17%
$58,500Adirondack Trust
Professional and technical services11
12%
$100,000Arrow Bank
Arts, entertainment and recreation10
11%
$150,000Empire State Certified Development
Other services (repair, personal care)6
7%
$95,000Arrow Bank
Administrative and support services5
6%
$20,000Adirondack Trust
Manufacturing5
6%
$25,000Arrow Bank
Construction5
6%
$50,000Adirondack Trust
Loan size mix
  • Under $150,00056%
  • $150,000 to $500,00027%
  • $500,000 to $2 million13%
  • $2 million and up3%
Compared with New York
Median loan, Saratoga Springs
$90,000
Median loan, New York
$150,000
Startup share, Saratoga Springs
29%
Startup share, New York
25%
Share of state's SBA loans
0.4%

SBA loans per fiscal year in Saratoga Springs

0173350FY14: 25 loansFY14FY15: 42 loansFY1542FY16: 23 loansFY16FY17: 26 loansFY17FY18: 35 loansFY18FY19: 27 loansFY19FY20: 9 loansFY20FY21: 11 loansFY21FY22: 17 loansFY22FY23: 21 loansFY23FY24: 19 loansFY24FY25: 23 loansFY25FY26 (Oct to Jun): 9 loansFY269
Fiscal year runs October to September. Fiscal 2026 covers October 2025 to June 2026 only.
Data from the U.S. Small Business Administration's public 7(a) and 504 loan records (through June 30, 2026) and FDIC call-report data (quarter ending June 30, 2026). US Lender Metrics is not affiliated with the SBA, FDIC, FFIEC, NCUA or any lender, is not a lender or loan broker, and does not make credit decisions. Information only; not financial, legal or lending advice. © 2026 US Lender Metrics.