Best Rochester, NY SBA Lenders & Rates of 2026

Compare 26 SBA lenders in Rochester, NY. $33.7M funded across 165 businesses. Average rate 10.12%. Get matched free.

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Best Rochester, NY SBA Lenders & Rates of 2026

$33.7M
Total Funded

165
Loans Approved

$204K
Avg Loan Size

10.12%
Avg Interest Rate

26
Active Lenders

SBA Loans in Rochester, NY

Rochester, NY businesses received $33.7M in SBA 7(a) loan approvals across 165 businesses in 2025. With 26 active SBA lenders competing for business in Rochester, understanding which banks offer the best rates can save you tens of thousands of dollars.

💡 Key Insight: The average SBA loan in Rochester is $204K, with rates averaging 10.12%. Rates vary significantly by lender—comparing offers can save you $50,000+ over the life of your loan.

Rochester SBA Loans by Business Type

🚀 Startups
33%
$7.0M • 55 loans

🏢 Existing Businesses
56%
$15.0M • 93 loans

🔄 Acquisitions
10%
$11.7M • 17 loans

Top SBA Lenders in Rochester, NY (2025)

Based on official SBA data analyzed by GoSBA Loans, these are the banks that funded the most SBA 7(a) loans to Rochester businesses:

RankLenderVolumeLoansAvg Rate
1 Genesee Regional Bank$5.5M158.23%
2 Centerstone SBA Lending, Inc.$3.3M19.00%
3 Celtic Bank Corporation$3.2M310.58%
4 The Canandaigua National Bank and Trust Company$3.1M78.14%
5 ESL FCU$3.0M398.83%
6 Manufacturers and Traders Trust Company$2.9M5311.56%
7 Newtek Bank, National Association$2.6M212.25%
8 Five Star Bank$2.1M99.00%
9 The Huntington National Bank$1.4M49.75%
10 University Bank$1.3M19.00%
11 United FCU$1.2M110.00%
12 First National Bank of Pennsylvania$825K210.00%
13 BayFirst National Bank$600K412.25%
14 Community Bank, National Association$500K28.69%
15 Citizens Bank, National Association$452K210.45%
16 Northeast Bank$443K610.92%
17 Lendistry SBLC, LLC$300K112.00%
18 Community Bank & Trust-West Georgia$225K110.50%
19 CenTrust Bank, A Division of SmartBiz Bank National Associat$210K110.00%
20 CDC Small Business Finance Corp.$200K110.50%
21 First Bank of the Lake$150K113.00%
22 The Lyons National Bank$145K17.75%
23 KeyBank National Association$90K311.47%
24 U.S. Bank, National Association$90K310.99%
25 JPMorgan Chase Bank, National Association$40K114.25%
26 TD Bank, National Association$25K110.50%

Top Industries in Rochester

Here are the industries that received the most SBA funding in Rochester:

SBA Loans in New York

Rochester is part of New York‘s SBA lending market. For statewide data and more lender options, see our full New York SBA Lenders guide.

🤝 Why Use an SBA Broker in Rochester?

GoSBA Loans helps Rochester businesses access the best SBA lenders:

  • Access 26+ lenders — including many that don’t accept direct applications
  • Local market expertise — we know which lenders are most active in Rochester
  • Rate comparison — get competing offers to secure the best terms
  • Free service — lenders pay us, you pay nothing extra

📞 Get Expert Help with Your Rochester SBA Loan

Our team has helped hundreds of Rochester businesses secure SBA financing. Let us match you with the right lender.

Looking for SBA loan help in Rochester? GoSBA Loans is a trusted SBA loan broker serving businesses in Rochester and across New York. Contact our Rochester SBA specialists today for a free consultation.

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Ishan Jetley

Ishan Jetley is the owner of GoSBA Loans. I have assisted 100's of businesses with their business loans. I specialize in SBA financing for working capital, real estate and business acquisitions.
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