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ESL FCU

ROCHESTER, NY 14604

⭐ SBA Preferred Lender
369
Loans Approved
$51.8M
Total Volume
$140K
Avg Loan Size
1
States Served

States Served

New York

Top Industries Financed

  • Full-Service Restaurants
  • Child Day Care Services
  • Beauty Salons
  • Residential Remodelers
  • Landscaping Services

Quick Summary

ESL FCU is an SBA-approved lender headquartered in ROCHESTER, New York. They are an SBA Preferred Lender, meaning they can approve loans without prior SBA review. Since 2020, they have approved 369 SBA 7(a) loans totaling $51.8M, with an average loan size of $140K. They primarily serve New York businesses.

About ESL FCU

ESL FCU is an SBA-approved lender headquartered in ROCHESTER, New York. Since 2020, they have approved 369 SBA 7(a) loans totaling $51.8M, with an average loan size of $140K. As an SBA Preferred Lender, they have delegated authority to approve SBA loans without prior SBA review, resulting in faster processing times. They primarily serve businesses in New York.

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Helpful SBA Borrower Guides

SBA 7(a) RequirementsDocuments ChecklistHow to Choose a Lender

Frequently Asked Questions

Is ESL FCU an SBA Preferred Lender?

Yes, ESL FCU is an SBA Preferred Lender (PLP). This means they have delegated authority from the SBA to approve loans without prior SBA review, resulting in faster approvals — typically 7–10 business days instead of 4–6 weeks.

How many SBA loans has ESL FCU approved?

According to SBA FOIA public records, ESL FCU has approved 369 SBA 7(a) loans totaling $51.8M since 2020. Their average loan size is $140K.

What states does ESL FCU serve?

ESL FCU primarily serves businesses in New York.

How do I apply for an SBA loan with ESL FCU?

To apply for an SBA 7(a) loan with ESL FCU, contact them directly through the form on this page. Before applying, check your FICO SBSS score (the SBA's pre-screening score) and have your financial statements, business plan, and tax returns ready. Most SBA lenders require 2+ years in business, $100K+ annual revenue, and a personal credit score of 640+.

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SBA 7(a) loans up to $5M · Rates from 10.5% · As fast as 7 days