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 FY2026 | 17,784 |
|---|---|
| Gross dollars approved | $2.28 billion |
| SBA 7(a) loans | 17,784 |
| SBA 504 loans | 0 |
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 approval | 4.5% |
| Loans in that cohort | 6,107 |
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 class | Loans |
|---|---|
| Not in any of the 39 asset classes | 13,484 |
| Full-service restaurant | 893 |
| Limited-service restaurant | 559 |
| Fitness center | 403 |
| Beauty salon | 384 |
| Automotive mechanical repair (car and truck) | 344 |
| Liquor store | 220 |
| Child care center | 200 |
| Coffee shop and snack bar | 200 |
| Beverage manufacturing (breweries, wineries, distilleries) | 164 |
| Medical office (physicians) | 129 |
| Grocery store | 119 |
| Rehabilitation and therapy clinic | 118 |
| Gas station and truck stop | 83 |
| Caterers (includes banquet halls with catering staff) | 76 |
| Dental office | 70 |
| Veterinary clinic | 49 |
| Data center | 43 |
| Nonresidential lessor (flex, office and retail investor buildings) | 39 |
| Behavioral health and addiction treatment | 39 |
| Car wash | 38 |
| Hotel and motel | 19 |
| Warehouse and distribution | 12 |
| Skilled nursing | 12 |
| Manufactured housing community (lessors of other real estate) | 11 |
| Self storage | 10 |
| Multifamily (lessors of residential buildings) | 10 |
| Urgent care and ambulatory surgery | 10 |
| Hospital | 10 |
| Assisted living (without nursing care) | 9 |
| School (elementary and secondary, including charter) | 8 |
| Marina | 5 |
Classes with 5 or more loans; smaller ones are withheld, and more where a small one could be derived.
Loans by project state
| State or area | Loans |
|---|---|
| New York | 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 | 293 |
| New Hampshire | 281 |
| Vermont | 194 |
| Maine | 123 |
| West Virginia | 52 |
| Florida | 12 |
| Rhode Island | 7 |
| North Carolina | 5 |
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.
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