ESL FCU
SBA 7(a) Lending Profile · FY 2025 analysis
Industry Focus
Top industries served by ESL FCU
| NAICS | Industry | Loans | Volume | Avg Loan | Share |
|---|---|---|---|---|---|
| 722511 | Full-Service Restaurants | 128 | $6.7M | $52K | 4.3% |
| 236118 | Residential Remodelers | 88 | $4.8M | $54K | 3.0% |
| 624410 | Child Day Care Services | 88 | $26.9M | $306K | 3.0% |
| 812112 | Beauty Salons | 88 | $5.7M | $65K | 3.0% |
| 811111 | General Automotive Repair | 72 | $7.6M | $105K | 2.4% |
| 561730 | Landscaping Services | 72 | $6.7M | $93K | 2.4% |
| 722513 | Limited-Service Restaurants | 64 | $3.6M | $56K | 2.2% |
| 238910 | Site Preparation Contractors | 64 | $5.4M | $85K | 2.2% |
| 812990 | All Other Personal Services | 64 | $10.0M | $157K | 2.2% |
| 484110 | General Freight Trucking, Local | 64 | $2.8M | $44K | 2.2% |
Geographic Distribution
SBA lending activity for ESL FCU by state
| State | Loans | Volume | Share |
|---|---|---|---|
| New York (NY) | 2,952 | $414.2M | 100.0% |
Why Choose ESL FCU?
Based on SBA 7(a) lending track record from 2020-2025
- ✓Proven Track Record: 2,952 SBA loans approved, totaling $414.2M in financing
- ✓Industry Expertise: Specialized focus on Full-Service Restaurants, Residential Remodelers, Child Day Care Services
- ✓Competitive Terms: Average interest rate of 7.78% with flexible term lengths averaging 92 months
- ✓Loan Range: Loan sizes from $10K to $2.5M, with an average of $140K
- ✓Nationwide Reach: Active lending in 1 states, with strong presence in NY
Note: Approval and terms are subject to SBA and lender requirements. This profile is based on historical data and does not guarantee future lending decisions.
Frequently Asked Questions
Common questions about ESL FCU SBA lending
What types of businesses does ESL FCU typically finance?
ESL FCU specializes in SBA 7(a) lending to specific industries including full-service restaurants, residential remodelers, child day care services, beauty salons. They have developed expertise in these sectors and understand the unique financial characteristics of each industry.
What are ESL FCU's typical SBA loan terms?
ESL FCU's SBA 7(a) loans typically feature an average interest rate of 7.78% and average term length of 92 months (approximately 8 years). Loan sizes range from $10K to $2.5M, with an average loan size of $140K.
Do I need a business valuation for a ESL FCU SBA loan?
Yes, ESL FCU typically requires a professional business valuation for SBA loans over $250,000 or for change-of-ownership transactions. A certified valuation helps establish the purchase price, loan amount, and ensures SBA compliance. The valuation typically costs $5,000-$15,000 depending on business complexity.
How does ESL FCU compare to other SBA lenders?
ESL FCU has originated 2,952 SBA loans totaling $414.2M since 2020. They distinguish themselves through industry specialization and expertise in their focus sectors. Compare their rates and terms with other lenders in our Commercial Lending Directory.
What states does ESL FCU lend in?
ESL FCU provides SBA 7(a) financing with particularly strong presence in NY. Based on their lending history, they have experience with diverse state-specific business regulations and licensing requirements.
Research Your Target Industry Before Applying
Before applying for SBA financing, research your industry's typical loan sizes, approval rates, and specialized lenders. Understanding industry-specific financing patterns can help you find the right lender and strengthen your application.
Our industry research reports provide comprehensive intelligence for 1,000+ industries including financial benchmarks, growth trends, financing patterns, and which lenders are most active in your sector.
Explore Industry Reports →Need a Business Valuation?
Professional valuations are often required for SBA loans over $250,000.
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