Commercial Lenders in New York
Browse 187 lenders serving New York across DSCR, SBA, bridge, construction, hard money, and more.
New York Lenders by Loan Type
DSCR Loans
7.0% - 9.5% · 20-25% downSBA 7(a) Loans
Prime + 1.5% to 3.75% · 10-20% downSBA 504 Loans
Below market (CDC portion ~5-6%) · 10% downBridge Loans
8% - 12% · 20-30% downConstruction Loans
7% - 10% · 20-35% downCommercial Mortgage
6% - 8% · 20-30% downHard Money Loans
9% - 12%+ · 10-25%+ cash in downCMBS Loans
5.5% - 8% · 25-35% downMezzanine Loans
6.75% - 11.97% · Often 10-25% sponsor equity downUSDA Business Loans
Fixed or variable, negotiated with lender · 10% existing business, 20% new business downNon-QM Loans
6.5% - 10% · 10-25% downAll New York Lenders
187 commercial lenders serving New York.
Port 51 Lending LLC
SBANew York, NY
Non-bank SBA preferred lender specializing in high-value SBA 7(a) loans for commercial real estate and business acquisitions. Focuses on larger SBA transactions with an average deal size well above industry norms.
Manufacturers and Traders Trust Company
SBABUFFALO, NY
M&T Bank is a major regional bank and one of the top SBA lenders by loan count in the Northeast. Offers SBA 7(a), Express, and 504 loans alongside a full range of commercial banking, commercial real estate, and small business products.
Empire State Certified Development Corporation
SBALatham, NY
New York-based Certified Development Company (CDC) specializing in SBA 504 loans. Provides long-term, fixed-rate financing for commercial real estate and heavy equipment acquisition for small businesses in New York.
Grasshopper Bank National Association
SBANew York, NY
New York-based digital business bank offering SBA 7(a) and 504 loans, commercial lending, and innovative banking solutions. Combines fintech convenience with traditional banking for small business owners and startups.
Woori America Bank
SBANew York, NY
New York-based bank serving Korean-American and Asian-American business communities with SBA 7(a) loans, commercial real estate, and trade finance. A subsidiary of Woori Financial Group.
Acore Capital
New York, NY
Commercial real estate finance company providing bridge, mezzanine, and preferred equity. $20B+ in originations. Institutional-quality deals.
Arbor Realty Trust
Uniondale, NY
Major CRE lender and REIT. Bridge, permanent, and agency financing. Specializes in multifamily and commercial properties.
Barclays
New York, NY
Active CMBS conduit originator. Commercial mortgage-backed securities for large CRE deals.
Citigroup
New York, NY
Major CMBS conduit originator. Commercial mortgage lending for institutional-quality properties.
Deutsche Bank
New York, NY
Major CMBS originator. Large-scale commercial real estate debt and securitization.
Goldman Sachs
New York, NY
Major CMBS conduit originator. Large-scale commercial mortgage financing and mezzanine debt.
Greystone
New York, NY
Full-service commercial real estate lending platform. Agency, bridge, mezzanine, and permanent financing. Top Freddie Mac and FHA lender.
JPMorgan Chase
New York, NY
Major CMBS originator and commercial lender. Full range of CRE financing including conduit, agency, and balance sheet.
Lument
New York, NY
Commercial real estate lender and asset manager. Freddie Mac, Fannie Mae, and FHA/HUD multifamily lending. Also offers bridge and permanent financing.
Morgan Stanley
New York, NY
Top CMBS originator. Large commercial real estate lending and securitization.
Newmark
New York, NY
Major CRE advisory firm offering debt and structured finance, investment sales, and capital markets services.
Ready Capital
New York, NY
Nationwide commercial lender offering bridge, permanent, and SBA loans. Specializes in small to mid-balance CRE loans ($1M-$35M).
Roc Capital
New York, NY
Originated $15B+ in loans. Bridge and DSCR rental loans for real estate investors. Known for speed and scale.
Sprout Mortgage
New York, NY
Non-QM wholesale lender. Bank statement, asset depletion, foreign national, and investor programs.
Quontic Bank
New York, NY
Community bank offering DSCR loans for investment properties alongside bank statement and asset-based programs. FDIC-insured with competitive non-QM rates.
Flagstar Bank
Hicksville, NY
Major bank offering a DSCR program for investment properties through its wholesale channel. One of the largest warehouse lenders in the US with extensive product breadth.
Spring Bank
SBANEW YORK CITY, NY
Flushing Bank
SBAUniondale, NY
Shinhan Bank America
SBANew York, NY
NBT Bank, National Association
SBANORWICH, NY
NewBank
SBAFlushing, NY
Dime Community Bank
SBAHauppauge, NY
Tompkins Community Bank
SBAITHACA, NY
Five Star Bank
SBAWARSAW, NY
ESL FCU
SBAROCHESTER, NY
Complete New York Lender Directory
All 187 commercial lenders serving New York, A–Z.
- A&D Mortgage — Fort Lauderdale, FL
- Accion Opportunity Fund Community Development — San Jose, CA
- Accompany Capital — New York, NY
- Acra Lending
- Alma Bank — Astoria, NY
- Aloha Capital
- Anchor Loans — Thousand Oaks, CA
- Angel Oak Mortgage Solutions — Atlanta, GA
- Angel Oak Mortgage Solutions — Atlanta, GA
- Arc Home
- Arrow Bank National Association — GLENS FALLS, NY
- Athas Capital Group
- Bank Five Nine — OCONOMOWOC, WI
- Bank of America — Charlotte, NC
- Bank of America, National Association — Charlotte, NC
- Bank of Hope — LOS ANGELES, CA
- BankUnited, National Association — MIAMI LAKES, FL
- Bankwell Bank — New Canaan, CT
- Berkadia — Ambler, PA
- Broadmark Realty Capital — Seattle, WA
- Brookline Bank, a Division of Beacon Bank and Trust — Brookline, MA
- Brooklyn Cooperative FCU — NEW YORK CITY, NY
- Byline Bank — CHICAGO, IL
- Cadence Bank — TUPELO, MS
- Capital One, National Association — MCLEAN, VA
- Carrington Mortgage Services — Anaheim, CA
- Cathay Bank — LOS ANGELES, CA
- CBRE Capital Markets — Dallas, TX
- CDC Small Business Finance Corp. — San Diego, CA
- Celtic Bank Corporation — SALT LAKE CITY, UT
- Centerstone SBA Lending, Inc. — LOS ANGELES, CA
- CenTrust Bank, A Division of SmartBiz Bank National Associat — Northbrook, IL
- Change Lending
- Chemung Canal Trust Company — ELMIRA, NY
- Citibank, N.A. — Sioux Falls, SD
- Citizens Bank — ELIZABETHTON, TN
- City National Bank — LOS ANGELES, CA
- Civic Financial Services — Redondo Beach, CA
- Coastal States Bank — Hilton Head Island, SC
- Colony Bank — FITZGERALD, GA
- Commonwealth Business Bank — LOS ANGELES, CA
- Community Bank, National Association — CANTON, NY
- Community Capital New York, Inc. — Elmsford, NY
- ConnectOne Bank — ENGLEWOOD CLIFFS, NJ
- Constitution Lending
- CoreVest Finance — Irvine, CA
- CRF Small Business Loan Company, LLC — MINNEAPOLIS, MN
- CrossCountry Mortgage — Cleveland, OH
- Cushman & Wakefield — Chicago, IL
- Customers Bank — Malvern, PA
- Deephaven Mortgage — Charlotte, NC
- Defy Mortgage
- Easy Street Capital — Austin, TX
- Evolve Bank and Trust — WEST MEMPHIS, AR
- Fifth Third Bank — CINCINNATI, OH
- Finance of America — Plano, TX
- FinWise Bank — SANDY, UT
- First Bank of the Lake — Osage Beach, MO
- First Heritage Federal Credit Union — Corning, NY
- First Horizon Bank — MEMPHIS, TN
- First Internet Bank of Indiana — FISHERS, IN
- First National Bank of America — East Lansing, MI
- First National Bank of Pennsylvania — GREENVILLE, PA
- First Savings Bank — Beresford, SD
- Genesee Regional Bank — ROCHESTER, NY
- Greater Syracuse Business Development Corporation — Syracuse, NY
- Griffin Funding
- Groundfloor — Atlanta, GA
- Gulf Coast Bank and Trust Company — NEW ORLEANS, LA
- Hanmi Bank — LOS ANGELES, CA
- Harvest Small Business Finance, LLC — Laguna Hills, CA
- Heritage Bank Inc — Burlington, KY
- HomeTrust Bank — ASHEVILLE, NC
- HomeXpress Mortgage
- Hudson Valley Federal Credit Union — POUGHKEEPSIE, NY
- iBorrow
- Integro Bank — Phoenix, AZ
- Janover — Boca Raton, FL
- JLL Capital Markets — Chicago, IL
- JMAC Lending
- JPMorgan Chase Bank, National Association — Columbus, OH
- KeyBank National Association — CLEVELAND, OH
- KeyBank Real Estate Capital — Cleveland, OH
- Kiavi — San Francisco, CA
- Kind Lending — Santa Ana, CA
- Lending One — Boca Raton, FL
- Lendistry SBLC, LLC — Los Angeles, CA
- Lima One Capital — Greenville, SC
- Live Oak Banking Company — WILMINGTON, NC
- LoanCore Capital — Hartford, CT
- Luxury Mortgage Corp — Stamford, CT
- Magnifi Financial CU — MELROSE, MN
- Merchants Capital — Indianapolis, IN
- Mesa West Capital — Los Angeles, CA
- Millennium Bank — OOLTEWAH, TN
- Monroe County Industrial Development Corporation — Rochester, NY
- MortgageRight — Austin, TX
- New American Funding — Tustin, CA
- New Millennium Bank — FORT LEE, NJ
- New Silver Lending
- New York Business Development Corporation — Latham, NY
- Newfi Wholesale — Emeryville, CA
- Newtek Bank, National Association — Miami, FL
- North American Savings Bank — Kansas City, MO
- Northeast Bank — MINNEAPOLIS, MN
- Northmarq — Minneapolis, MN
- Northwest Bank — SPENCER, IA
- NYBDC Local Development Corporation dba Pursuit Community Fi — Latham, NY
- Oaktree Funding
- Park Place Finance
- Pathward National Association — SIOUX FALLS, SD
- Peapack Private Bank and Trust — Bedminster, NJ
- Planet Home Lending — Meriden, CT
- PNC Real Estate — Pittsburgh, PA
- Primis Bank — TAPPAHANNOCK, VA
- Provident Bank — JERSEY CITY, NJ
- PS Bank — WYALUSING, PA
- Quaint Oak Bank — Southampton, PA
- RCN Capital — South Windsor, CT
- Readycap Lending, LLC — BERKELEY HEIGHTS, NJ
- Residential Capital Partners
- Residential Mortgage Solutions
- Rhinebeck Bank — Rhinebeck, NY
- Ridgewood Savings Bank — Ridgewood, NY
- Rocket Mortgage — Detroit, MI
- Sabal Capital Partners — Pasadena, CA
- Santander Bank, National Association — WILMINGTON, DE
- SeaComm Federal Credit Union — MASSENA, NY
- Stbridge Capital — Los Angeles, CA
- Stone Bank — MOUNTAIN VIEW, AR
- T Bank, National Association — DALLAS, TX
- TD Bank — Cherry Hill, NJ
- TD Bank, National Association — WILMINGTON, DE
- Temple View Capital
- The Adirondack Trust Company — SARATOGA SPRINGS, NY
- The Canandaigua National Bank and Trust Company — CANANDAIGUA, NY
- The Huntington National Bank — COLUMBUS, OH
- Tidal Loans — Houston, TX
- Triad Financial Services — Jacksonville, FL
- Truist Bank — Charlotte, NC
- Truss Financial Group
- U.S. Bank, National Association — Cincinnati, OH
- United Community Bank — Greenville, SC
- United Midwest Savings Bank National Association — DE GRAFF, OH
- US Bank — Minneapolis, MN
- UWM (United Wholesale Mortgage) — Pontiac, MI
- Valley National Bank — PASSAIC, NJ
- Vaster — Miami, FL
- Velocity Mortgage Capital — Westlake Village, CA
- VelocitySBA, LLC — Irving, TX
- Verus Mortgage Capital — Washington, DC
- Visio Lending — Austin, TX
- Walden Mutual Bank — Concord, NH
- Walker & Dunlop — Bethesda, MD
- Webster Bank National Association — WATERBURY, CT
- Wells Fargo — San Francisco, CA
- Wells Fargo Bank National Association — Sioux Falls, SD
Commercial Lending in New York
New York City is the largest commercial real estate market in the Western Hemisphere, with Manhattan alone comprising more office space than most major metro areas combined. The state's economy spans global finance, technology, media, and world-class healthcare institutions.
New York City imposes a commercial rent tax on tenants in Manhattan south of 96th Street, an additional cost layer unique in the U.S. that CRE investors must factor into tenant affordability analysis. The state's judicial foreclosure process is among the slowest in the country, often exceeding 24 months, which significantly impacts CRE distressed debt recovery timelines. New York's 421-a and Industrial and Commercial Abatement Program (ICAP) offer substantial property tax reductions for qualifying developments, and the city's complex regulatory landscape including landmarks preservation and ULURP review requires experienced local counsel for any significant project.
Key Industries
Foreclosure Type
Judicial
Foreclosures go through the court system, which can take 6-18+ months.