Manufacturers and Traders Trust Company: SBA Lending Record

What SBA's own loan files show about Manufacturers and Traders Trust Company as an SBA lender, and how a lender's record bears on a feasibility study.

Manufacturers and Traders Trust Company in SBA's loan files

17,784 loans carry Manufacturers and Traders Trust Company as holder across FY2017 to FY2026: $2.28 billion gross. SBA records Manufacturers and Traders Trust Company in New York. The 17,784 loans count as holdings: Manufacturers and Traders Trust Company holds or last held each, per SBA. 17,784 loans belong to SBA 7(a). The record has 0 under SBA 504. Manufacturers and Traders Trust Company's range ends with complete FY2026. Manufacturers and Traders Trust Company's record spans 17,784 loans and $2.28 billion gross. Manufacturers and Traders Trust Company gives no guarantee on 17,784 loans; SBA does, and no policy appears.

13,484 of Manufacturers and Traders Trust Company's 17,784 loans have no named class. Classes at Manufacturers and Traders Trust Company: Full-service restaurant (893); Limited-service restaurant (559); Fitness center (403); Beauty salon at 384; Automotive mechanical repair (car and truck) (344); Liquor store (220); Child care center at 200; Coffee shop and snack bar, 200; Beverage manufacturing (breweries, wineries, distilleries) (164); Medical office (physicians) (129); Grocery store at 119; Rehabilitation and therapy clinic, 118; Gas station and truck stop (83); Caterers (includes banquet halls with catering staff), 76. Of 17,784 loans, 13,484 are unclassed and 893 are Full-service restaurant. A class view of Manufacturers and Traders Trust Company spans part of 17,784. At Manufacturers and Traders Trust Company, 559 Limited-service restaurant loans follow 893 Full-service restaurant.

The states behind Manufacturers and Traders Trust Company

By state at Manufacturers and Traders Trust Company: New York at 5,722; Maryland, 3,939; Pennsylvania, 2,042; New Jersey, 1,533; Connecticut (1,338); Virginia (1,103); Delaware, 619; Massachusetts, 509; District of Columbia at 293; New Hampshire (281); Vermont, 194; Maine, 123. New York is also where SBA records Manufacturers and Traders Trust Company, so the book starts at home. New York alone holds 5,722 of Manufacturers and Traders Trust Company's 17,784 loans. Manufacturers and Traders Trust Company's 17,784 loans map past holdings, no limit for sites beyond New York.

Manufacturers and Traders Trust Company outcome floors

FY2017 to FY2024 approvals: 12.7% cancelled after approval, a floor. Ceiling: 14.3%, with undisbursed loans counted cancelled. Floor 8.8%: charged off to date among 6,107 loans disbursed in FY2017 to FY2021. 4.5% when counted to year five. A 12.7% floor at Manufacturers and Traders Trust Company says approval is no funding. 8.8% charged off among 6,107 loans: coverage must hold. At Manufacturers and Traders Trust Company, test one is site demand. At Manufacturers and Traders Trust Company, test two is full project cost. For Manufacturers and Traders Trust Company, test three is debt service coverage. At Manufacturers and Traders Trust Company, test four is the appraisal.

Manufacturers and Traders Trust Company's record shows a lender 17,784 loans and $2.28 billion gross. Manufacturers and Traders Trust Company's file hands a borrower 17,784 holdings and no terms. The 17,784 loans cannot show how Manufacturers and Traders Trust Company would treat a request. 893 Full-service restaurant loans head the list. Manufacturers and Traders Trust Company's holdings are all that is shown. Manufacturers and Traders Trust Company borrowers need a study that stands alone. Manufacturers and Traders Trust Company appears here as holder of 17,784 loans, and the record ends there.

SBA loans held by Manufacturers and Traders Trust Company

SBA guarantees these loans; the lender does not. The lender's name and every figure come from the U.S. Small Business Administration's public 7(a) and 504 FOIA file (data.sba.gov).

7(a) lender is the bank or lender the loan is currently assigned to (or last held it), as SBA records it; 504 lender is the Certified Development Company (CDC). 504 third-party (first-lien) lenders are free text with no identifier and are not credited.

Loans approved, FY2017 to FY202617,784
Gross dollars approved$2.28 billion
SBA 7(a) loans17,784
SBA 504 loans0

Cancellation and charge-off

Cancelled after approval, FY2017 to FY2024 approvals (a floor)12.7%
The same, counting loans still undisbursed as cancelled (a ceiling)14.3%
Charged off to date, FY2017 to FY2021 disbursed loans (a floor)8.8%
Charged off within five years of approval4.5%
Loans in that cohort6,107

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.

Loans by asset class

Asset classLoans
Not in any of the 39 asset classes13,484
Full-service restaurant893
Limited-service restaurant559
Fitness center403
Beauty salon384
Automotive mechanical repair (car and truck)344
Liquor store220
Child care center200
Coffee shop and snack bar200
Beverage manufacturing (breweries, wineries, distilleries)164
Medical office (physicians)129
Grocery store119
Rehabilitation and therapy clinic118
Gas station and truck stop83
Caterers (includes banquet halls with catering staff)76
Dental office70
Veterinary clinic49
Data center43
Nonresidential lessor (flex, office and retail investor buildings)39
Behavioral health and addiction treatment39
Car wash38
Hotel and motel19
Warehouse and distribution12
Skilled nursing12
Manufactured housing community (lessors of other real estate)11
Self storage10
Multifamily (lessors of residential buildings)10
Urgent care and ambulatory surgery10
Hospital10
Assisted living (without nursing care)9
School (elementary and secondary, including charter)8
Marina5

Classes with 5 or more loans; smaller ones are withheld, and more where a small one could be derived.

Loans by project state

States with 5 or more loans; smaller ones are withheld, and more where a small one could be derived.

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; Loan Analytics lender cell LP-fdic-588.

Loan Analytics prepares the feasibility study a lender reads before it commits: for a commercial project anywhere in the United States, financed under SBA 7(a), SBA 504, USDA Business and Industry or a conventional bank loan, by Manufacturers and Traders Trust Company or any other lender. Tell us the project and the lender's deadline, and we reply with scope, timeline and fee.

Request Scope & Timeline

Start with the data.

Contact Us