SBA 7(a) Loan in Manhattan
Flexible, government-backed financing for owner-occupied property and more. Financing commercial real estate across Manhattan — from Midtown, Financial District, SoHo and beyond.
- Rates from
- 8.5%*
- Typical term
- 10–25 years
- Min amount
- $50K
- Max amount
- $5M
SBA 7(a) Loans for Manhattan commercial property
SBA 7(a) loans are partially guaranteed by the U.S. Small Business Administration, which lets lenders offer longer terms and lower down payments than conventional loans. They're a strong fit for owner-occupied commercial real estate, business acquisitions, and expansion. Loan amounts run up to $5 million with terms up to 25 years for real estate.
In Manhattan, the densest commercial market in the country — office towers, luxury retail, and mixed-use assets from the Financial District to Harlem. We introduce owners and investors financing these assets to the capital partner covering Manhattan and SBA 7(a) deals — no cost, no obligation.
Best for
- Owner-occupied CRE
- Business acquisition
- Expansion & working capital
* Rates and terms shown are indicative and vary by lender, borrower, and property. Not a commitment to lend. Subject to credit approval.
SBA 7(a) lenders serving Manhattan
14 lenders in our directory finance SBA 7(a) deals in Manhattan.
Bank of Hope
Commercial bank for multicultural communities
A commercial bank (subsidiary of Hope Bancorp) financing purchase and refinance of commercial real estate and construction across multi-family, industrial, office, retail, and mixed-use, plus SBA 7(a) and 504 lending. NYC branches in Manhattan and Flushing.
- Loan size
- Contact for details
- Rates from
- On request
- Closes in
- Varies
- Coverage
- 2 boroughs
Carver Federal Savings Bank
Harlem-founded community bank and SBA lender
A Harlem-founded federal savings bank operating in New York since 1948, with a commercial real estate program for multifamily (5+ units) and mixed-use property, plus SBA 7(a) and 504 lending.
- Loan size
- Contact for details
- Rates from
- On request
- Closes in
- Varies
- Coverage
- 3 boroughs
Cathay Bank
Chinese-American commercial bank since 1962
A commercial bank founded in 1962 to serve the Chinese-American community, with a commercial real estate and construction program (purchase, refinance, bridge, new construction, mini-permanent) plus SBA 7(a) and 504. Branches in Manhattan, Queens, and Brooklyn.
- Loan size
- Contact for details
- Rates from
- On request
- Closes in
- Varies
- Coverage
- 3 boroughs
East West Bank
Commercial real estate lender with NYC branches
A large commercial bank whose real estate program offers construction, bridge, and mini-permanent financing for commercial and multi-family property — plus SBA lending — with branches in Flushing, Queens, and Manhattan.
- Loan size
- Contact for details
- Rates from
- On request
- Closes in
- Varies
- Coverage
- 2 boroughs
Grow America (formerly National Development Council)
Mission-driven CDFI and SBA 7(a) lender
A nonprofit certified CDFI, formerly the National Development Council (NDC). Its Grow America Fund is a national SBA 7(a) lending program, and it runs NYC-focused programs supporting building acquisition, renovation, and equipment.
- Loan size
- Contact for details
- Rates from
- On request
- Closes in
- Varies
- Coverage
- All NYC
Metropolitan Commercial Bank
New York City commercial bank
A New York City-based commercial bank originating commercial real estate loans across office, multifamily, mixed-use, and other property types, with acquisition, construction, and renovation programs and an SBA 7(a) program.
- Loan size
- Contact for details
- Rates from
- On request
- Closes in
- Varies
- Coverage
- All NYC
Ponce Bank
Bronx-founded bank, CDFI, and SBA lender
A Bronx-founded bank (1960) and certified CDFI and Minority Depository Institution. Offers commercial real estate loans, construction/development loans, and SBA 7(a) and 504 programs, serving the NYC metro area.
- Loan size
- Contact for details
- Rates from
- On request
- Closes in
- Varies
- Coverage
- All NYC
Popular Bank
New York commercial bank and SBA lender
A commercial bank headquartered in New York (a subsidiary of Popular, Inc.) offering real estate lending for multifamily, mixed-use, and commercial property, commercial construction financing, and SBA 7(a) and 504 loans.
- Loan size
- Contact for details
- Rates from
- On request
- Closes in
- Varies
- Coverage
- All NYC
Pursuit
Nonprofit small-business lender and SBA 504 CDC
A nonprofit small-business lender founded in 1955; its SBA 504 arm is a Certified Development Company registered with the SBA as Empire State Certified Development Corporation. Offers SBA 504 and SBA 7(a) loans and states it funds NYC businesses across all five boroughs.
- Loan size
- Contact for details
- Rates from
- On request
- Closes in
- Varies
- Coverage
- All NYC
Royal Business Bank
Asian-community commercial bank and SBA lender
A commercial bank serving predominantly Asian communities (the surviving brand after acquiring First American International Bank), financing multifamily, hotel, office, and retail — purchase, construction, and refinance — plus SBA 7(a) and 504. NYC branches in Brooklyn, Queens, and Manhattan.
- Loan size
- Contact for details
- Rates from
- On request
- Closes in
- Varies
- Coverage
- 3 boroughs
Shinhan Bank America
Manhattan commercial bank and SBA lender
A commercial bank headquartered in Manhattan whose commercial real estate program finances acquisition, refinancing, and renovation of apartment (5+ unit), office, retail, and hotel properties, plus SBA 7(a) lending. Branches in Manhattan and Queens.
- Loan size
- Contact for details
- Rates from
- On request
- Closes in
- Varies
- Coverage
- 2 boroughs
Spring Bank
Bronx-based community bank and CDFI
An FDIC-insured community bank headquartered in the Bronx and a U.S. Treasury-certified CDFI. Offers conventional commercial mortgages and SBA 7(a) and 504 loans for owner-occupied, multifamily, and mixed-use property.
- Loan size
- Contact for details
- Rates from
- On request
- Closes in
- Varies
- Coverage
- All NYC
TruFund Financial Services
Nonprofit CDFI for small businesses
A national 501(c)(3) certified CDFI headquartered in New York City, established in 2005. In New York it offers an SBA Community Advantage (7a) loan and a Real Estate Acquisition Program (RAP), among other small-business products.
- Loan size
- Contact for details
- Rates from
- On request
- Closes in
- Varies
- Coverage
- All NYC
Woori America Bank
New York commercial bank and SBA lender
A New York-headquartered commercial bank (since 1984, a U.S. subsidiary of Woori Bank of Korea) whose commercial mortgage program finances multifamily, mixed-use, office, retail, and more, plus SBA 7(a) and 504 lending. Branches in Manhattan and Queens.
- Loan size
- Contact for details
- Rates from
- On request
- Closes in
- Varies
- Coverage
- 2 boroughs