Is ESL FCU a good SBA lender?

ESL FCU has funded 831 SBA loans totaling $89.7M in volume across 1 states, with an average loan size of $108K. The lender's default rate is 503.00%. Whether they are the right fit depends on your deal profile — loan size, industry, geography, and borrower credit. PeerSense matches your specific deal to ESL FCU or one of 897+ alternatives based on closing probability + pricing.

What is the average SBA loan size at ESL FCU?

The average SBA loan size at ESL FCU is $108K, with a range from $3K to $2.5M. This profile suggests they are best suited for borrowers seeking smaller businesses, working capital, and franchise startups.

What states does ESL FCU lend in?

ESL FCU actively lends across 1 states. Their highest-volume state is New York. Other top states include . Borrower geography matters: a lender's state penetration affects underwriting familiarity, valuation comps, and turnaround speed.

Does ESL FCU fund franchise loans?

Yes — ESL FCU has funded SBA franchise loans across multiple brands. Their highest-volume franchise concept is The Junkluggers, followed by Subway, Closets by Design, JUICEBLENDZ. Lender-franchise familiarity matters: lenders that have closed multiple loans for a brand know the FDD inside-out, which speeds underwriting + reduces re-trade risk.

What industries does ESL FCU prefer?

ESL FCU's highest-volume SBA industry by NAICS code is Limited-Service Restaurants. Other active sectors: Waste Management & Remediation, Specialty Trade Contractors, Personal Care Services. Borrower industry matters: matching your deal to a lender with strong recent volume in your NAICS reduces underwriting friction and improves close-rate odds.

How does PeerSense match deals to ESL FCU?

PeerSense matches your specific SBA deal to ESL FCU based on five factors: deal size vs lender's average + range, your industry vs lender's NAICS history, your state vs lender's geographic penetration, your franchise brand (if applicable) vs lender's brand history, and your credit + experience profile vs lender's known underwriting box. We don't sell leads — we curate fit. No retainer; lender pays referral fee at closing.

SBA LenderNew YorkActiveSmall Business

ESL FCU

SBA lender based in New York serving 1 states and 64 industries

Quick Answer

ESL FCU has funded 831 SBA loans across 1 states and 64 industries. Their average loan size is $108K. Whether they are the right SBA lender for your deal depends on size, industry, geography, and credit profile — PeerSense matches your deal against ESL FCU and 897+ alternatives based on closing probability + pricing.

Geographic Reach

1 States

Regional focus

Industry Coverage

64 Industries

Diverse lending portfolio

Lending Activity

Active

Small Business focus

Top Lending States

New York#1

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Industry Focus Areas

Limited-Service Restaurants

NAICS 722

Waste Management & Remediation

NAICS 562

Specialty Trade Contractors

NAICS 238

Personal Care Services

NAICS 812

Administrative Support

NAICS 561

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Why borrowers choose ESL FCU

ESL FCU is best suited for borrowers seeking small-business working capital, startup, and franchise loans, with an average SBA loan of $108K. The lender's deepest industry experience is in Limited-Service Restaurants, and their highest-volume state is New York. With 831 SBA loans funded across 1 states, they operate as a regional specialist anchored in New York. Their portfolio default rate is 503.00%. If your deal profile aligns with their underwriting box, this lender is worth a quote — PeerSense matches your specific deal against ESL FCU and 897+ alternatives.

Recent SBA Activity at ESL FCU

Franchise lending: ESL FCU has funded SBA loans for multiple franchise concepts, with the highest volume in The Junkluggers, Subway, and Closets by Design. Lender-franchise familiarity reduces underwriting friction: brands the lender already knows clear faster and re-trade less.

Industry concentration: The lender's highest-volume SBA industries are Limited-Service Restaurants, Waste Management & Remediation, and Specialty Trade Contractors. Borrowers in these NAICS sectors typically see better terms and faster approvals.

Geographic concentration: Top markets are New York. Lenders typically underwrite faster in states where they already have closing comps.

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Compare ESL FCU to Similar SBA Lenders

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About ESL FCU SBA Lending

ESL FCU is an SBA lender headquartered in New York. PeerSense tracks this lender's SBA lending activity, including approval trends, geographic coverage, and industry specializations.

ESL FCU serves borrowers across 1 states and 64 industry sectors with a regional lending focus. To find out whether ESL FCU is a good fit for your specific deal, reach out to PeerSense for a free lender match.

PeerSense maintains detailed performance data on hundreds of SBA lenders to help borrowers and brokers identify the right capital source. Rather than spending weeks researching lenders on your own, book a free call and let our team match you with lenders who have a proven track record in your industry and geography.

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