What SBA's own loan files show about lending in the Plattsburgh, NY Micro Area, every asset class together, and what a feasibility study for a project there has to test.
Across Plattsburgh, SBA's files carry 104 approvals over FY2017 through FY2026, totalling $34.9 million in gross approvals. Plattsburgh stands across all such areas nationwide, counted by loans, as 461 of 928. Beyond that, the central half of Plattsburgh approvals spans $39,375 to $300,000, and the median lands near $100,000, equal to 0.48x of the national median. In Plattsburgh, SBA 7(a) holds 92 loans, and 12 by way of SBA 504. Worth noting, franchised units took 4.8% of approvals.
Inside the named classes for Plattsburgh, hotel and motel is largest with 6 loans, followed by full-service restaurant with 6 and limited-service restaurant (5). Also 75 loans in Plattsburgh belong to no named class. Beyond that, every loan in Plattsburgh falls in Clinton County, NY, at 104 loans, so a study around Plattsburgh is a matter of one county only.
Institutions shown for Plattsburgh stem from SBA's public Plattsburgh records of the 104 business loans in Plattsburgh, and who holds or held each; those records assign each holder though say nothing of lender appetite. Separately, for 7(a) lending in Plattsburgh, SBA lists TD Bank, National Association at 41 loans and $2.8 million, ahead of Arrow Bank National Association ($1.0 million across 12 loans). In the 504 program near Clinton County, NY, SBA names Empire State Certified Development Corporation (12 loans, $16.0 million). A borrower near Clinton County, NY should ask any lender what documentation it requires, then build the Plattsburgh study around those answers.
Looking at Plattsburgh approvals from FY2017 through FY2024, at least 15.2% were cancelled after approval in Plattsburgh, a floor; the full Plattsburgh rate may be higher. Meanwhile the charge-off rate for Clinton County, NY is one that Loan Analytics withholds under its small-count rule, since too few Plattsburgh loans were disbursed. That empty cell, for Clinton County, NY, cannot be read as no losses. Besides, in the yearly line, Plattsburgh hit its high in FY2025 at 18 loans and $3.1 million, and was weakest in FY2026 at 7 loans and $1.2 million. Separately, Loan Analytics withholds a few years in the Plattsburgh line under the same rule; in print they are blank, never zero.
For Plattsburgh, begin with demand: who lives in Clinton County, NY, who travels in, set against Plattsburgh as a whole, and whether the 6 hotel and motel loans leave room. Worth noting, on cost: $100,000 is the Plattsburgh median and $39,375 to $300,000 the middle band, so a Clinton County, NY site has to earn its budget against that $100,000 benchmark. Then coverage: Plattsburgh debt service outlasts a soft year against the 15.2% rate of cancellation with the charge-off floor for Plattsburgh, which Loan Analytics also withholds because too few loans support it. The Clinton County, NY appraisal must support the worth assumed. Plattsburgh uses the July 2023 boundaries; a loan whose home county finds no place appears in none of every area, as in Plattsburgh, but the totals retain loans beyond the classes named.
| Loans approved, FY2017 to FY2026 | 104 |
|---|---|
| Gross dollars approved | $34.9 million |
| Median loan | $100,000 |
| Middle half of loans, from | $39,375 |
| Middle half of loans, to | $300,000 |
| SBA 7(a) loans | 92 |
| SBA 504 loans | 12 |
| Franchise share of loans | 4.8% |
| Rank among metro and micro areas by loans | 461 of 928 |
| Median loan against the national median | 0.48x |
| Cancelled after approval, FY2017 to FY2024 approvals (a floor) | 15.2% |
|---|---|
| The same, counting loans still undisbursed as cancelled (a ceiling) | 15.2% |
| Charged off to date, FY2017 to FY2021 disbursed loans (a floor) | withheld |
Both rates are floors. SBA withholds the status of open loans, so a loan counts as charged off only once SBA reports it; a rate needs at least 30 loans in its cohort and is otherwise not reported.
SBA loans approved in the Plattsburgh, NY Micro Area, by fiscal year
| Fiscal year | Loans | Dollars |
|---|---|---|
| FY2017 | 11 | $3.1 million |
| FY2018 | 13 | $1.2 million |
| FY2019 | 12 | $2.5 million |
| FY2020 | 8 | $5.3 million |
| FY2021 | withheld | withheld |
| FY2022 | withheld | withheld |
| FY2023 | 8 | $732,300 |
| FY2024 | 16 | $4.0 million |
| FY2025 | 18 | $3.1 million |
| FY2026 | 7 | $1.2 million |
| Asset class | Loans |
|---|---|
| Not in any of the 39 asset classes | 75 |
| Hotel and motel | 6 |
| Full-service restaurant | 6 |
| Limited-service restaurant | 5 |
Classes with 5 or more loans; smaller ones are withheld, and more where a small one could be derived.
| Lender | Loans | Dollars |
|---|---|---|
| Empire State Certified Development Corporation | 12 | $16.0 million |
| Lender | Loans | Dollars |
|---|---|---|
| TD Bank, National Association | 41 | $2.8 million |
| Arrow Bank National Association | 12 | $1.0 million |
| KeyBank National Association | 9 | $3.3 million |
Lenders with 5 or more loans here; a lender with fewer is not listed, and loans SBA or a receiver holds are counted but never listed as a lender.
| County | Loans |
|---|---|
| Clinton County, NY | 104 |
Counties with 5 or more loans; smaller ones are not listed.
Metro is the CBSA (metropolitan or micropolitan statistical area) of the loan's project county, July 2023 delineation (OMB Bulletin 23-01). The county is matched by name (manifests/ld2/county-cbsa-map.csv); a loan whose county cannot be placed in a 2023 CBSA is left out of every metro.
All assets: every 7(a) and 504 approval in the metro, including those outside the 39 asset classes.
A value marked withheld rests on fewer than 5 loans, or is withheld so that such a figure cannot be derived from other published figures.
Source: U.S. Small Business Administration, 7(a) and 504 loan-level FOIA files (data.sba.gov), as of 2026-09-30; areas from the U.S. Census Bureau CBSA delineation, July 2023 (OMB Bulletin 23-01); Loan Analytics metro cell MT-38460.
A worked example of the feasibility study a lender would read for a short-term rental project in New York, financed with a conventional bank loan.
Loan Analytics prepares the feasibility study a lender reads before it commits: for a commercial project in the Plattsburgh, NY Micro Area, financed under SBA 7(a), SBA 504, USDA Business and Industry or a conventional bank loan. Tell us the project and the lender's deadline, and we reply with scope, timeline and fee.
Start with the data.
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