NEW YORK · NAICS NAICS 7225 family
New York restaurant deals are the state's deepest SBA class, with full-service operators leading volume and limited-service formats close behind. Studies translate menu mix, daypart capture, labor models, and trade-area demographics into defensible revenue projections, and resolve real estate occupancy cost against a downstate or upstate rent structure that diverges sharply.
FEASIBILITY TRIGGER
Projection-based for startups, conversions, and expansions; lenders routinely require independent studies where operating history is thin.
From FY2010 through FY2026, New York recorded 4,922 SBA-disbursed restaurant loans across the 7(a) and 504 programs, representing $1.62 billion in approved financing at an average loan size of $330,000. The state sits at rank #3 of 38 for restaurant SBA lending volume and holds 4.6% of the national restaurant dollar pool. 7(a) accounts for 95.5% of the count, 504 for the rest, with 751 fresh approvals dated FY2024 or later.
| Disbursed loans (FY2010–FY2026) | 4,922 |
| Approved volume | $1.62 billion |
| Average loan size | $330,000 |
| 7(a) share | 95.5% |
| Approvals since FY2024 | 751 |
| State rank by loan count | #3 of 38 |
Among the 3,661 seasoned loans in this segment (approvals FY2010–FY2021), 12.6% reached adverse resolution — purchased, liquidated, or charged off. The national benchmark for restaurant is 9.4%, against 7.3% across all industries. That performance runs above the national benchmark for this asset class, which is a factor lenders weigh in their credit decision.
Source: SBA 7(a) and 504 FOIA loan-level data, as of March 31, 2026. Disbursed loans only. See data methodology.
A 12.6% adverse-resolution rate against the national restaurant benchmark of 9.4% tells credit committees to scrutinize revenue projections and coverage assumptions closely on New York deals in this class. A rigorous third-party feasibility study — built on documented demand, defensible pricing, and stressed coverage — carries meaningful weight in that underwriting conversation, particularly at an average loan size of $330,000 across 4,922 loans.
Every New York restaurants project we underwrite follows the same lender ready process: independent market analysis, site and technical review, and financial projections tested against SBA SOP 50 10 8 standards. Our SBA feasibility study consultants guide explains scope, timing, deliverables, and what lenders and CDCs expect in the report.
New York projects often fit SBA 504 where owner-occupied real estate anchors the deal, with the 50/40/10 structure delivering up to 90 percent financing at a fixed debenture rate, while SBA 7(a) covers acquisitions, working capital, and equipment. From July 4, 2026 eligible borrowers can combine 7(a) and 504 for up to $10 million in total program credit.
Full-service restaurants lead New York SBA volume with 284 loans averaging $424,265 over the trailing year, and limited-service adds 172 more, making this the state's deepest SBA class.
For a national view of this asset class, see our restaurant SBA feasibility overview, and read our related analysis in the restaurant lending research on our blog.
Compare neighboring markets: New Mexico, North Carolina, Texas.
Public SBA and CDC program records, cited as program evidence
SBA 504 through Pursuit with 10 percent down
Building purchase, program evidence
Riverhead, Suffolk County
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Book a MeetingOur SBA feasibility study consultants prepare lodging and hospitality studies for lenders, CDCs and sponsors. See pricing, methodology or request a fixed fee quote.
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