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New York · Small business funding

SBA 7(a) Loans in New York

Government-backed loans for New York small businesses, with low down payments and long terms for working capital, business acquisitions, owner-occupied real estate and debt refinancing.

Loan size$25K–$5MM
Rates fromPrime + 0.75%
Term5–25 years
Min credit650
New York SBA 7(a) loans$25K–$5MM · Prime + 0.75%2,000+ capital partners

SBA 7(a) Loans in New York

Win-Win Capital Funding arranges SBA 7(a) loans for New York businesses through our SBA lender network, so you can compare offers side by side. Prequalifying doesn't affect your credit.

New York SBA 7(a) loan programs

UseLeverage / amountTerm
Working capitalUp to $5MMUp to 10 years
Business acquisition / partner buyoutOften 10% downUp to 10 years
Owner-occupied real estateUp to 90% LTV, more on some dealsUp to 25 years
Equipment & improvementsUp to $5MMUp to 10 years
Debt refinanceUp to $5MMMatches the use

What we finance in New York

  • Working capital and inventory
  • Buying a business or a partner buyout
  • Owner-occupied commercial real estate, including RV parks, hotels and gas stations
  • Equipment and improvements
  • Refinancing higher-cost business debt
  • Startups with industry experience

Areas we serve in New York

  • Albany
  • Buffalo
  • New York City
  • Rochester
  • Syracuse

We also lend in suburban, rural and resort markets throughout New York.

More New York financing

Fix & flip loans in New York · Hard money in New York · RV park financing in New York · Business HELOC in New York · Business second mortgage in New York · DSCR Loans in New York · Bridge Loans in New York · Ground-Up Construction Loans in New York

Investors in nearby states can see SBA 7(a) Loans in Vermont, SBA 7(a) Loans in Massachusetts, SBA 7(a) Loans in Connecticut, SBA 7(a) Loans in New Jersey, SBA 7(a) Loans in Pennsylvania.

Business funding is arranged through Win-Win Capital Funding's lender network. Rates, terms and amounts depend on credit, time in business, revenue and collateral, and all financing is subject to lender approval and SBA rules. This is not a commitment to lend.

Questions

SBA 7(a) Loans in New York: FAQ

Who qualifies for an SBA 7(a) loan in New York?

For-profit New York small businesses. A 650 credit score is the minimum (700+ preferred), owners of 20% or more personally guarantee, and startups are considered with industry experience.

How long does an SBA loan take in New York?

As fast as 2 weeks with a complete file; many take 30–60 days.

What's the down payment on a New York SBA loan?

Often 10% or less, and up to 100% financing on some deals.

Can I buy commercial real estate in New York with SBA 7(a)?

Yes, if your business occupies it. Owner-operated properties such as RV parks, hotels and gas stations qualify.

Keep exploring

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