ESL FCU
ESL FCU is an SBA 7(a) lender that has approved 369 loans totaling $51.8M between FY2020 and Q1 FY2026 (2025-12-31), with a 0.64% charge-off rate on mature loans. Average loan size: $140K. Active in 1 states. Headquartered in ROCHESTER, NY.
Total 7(a) loans
369
Total approved
$51.8M
Average loan
$140K
States funded in
1
Charge-off rate
0.64%
FY2020–FY2023 cohort
Paid-in-full rate
31.21%
Average rate
7.78%
Average term
92 mo
Top 10 industries financed
| NAICS | Industry | Loans |
|---|---|---|
| 722511 | Full-Service Restaurants | 16 |
| 236118 | Residential Remodelers | 11 |
| 624410 | Child Day Care Services | 11 |
| 812112 | Beauty Salons | 11 |
| 561730 | Landscaping Services | 9 |
| 811111 | General Automotive Repair | 9 |
| 238910 | Site Preparation Contractors | 8 |
| 722513 | Limited-Service Restaurants | 8 |
| 812990 | All Other Personal Services | 8 |
| 484110 | General Freight Trucking, Local | 8 |
Top 10 states
| State | Loans |
|---|---|
| NY | 369 |
Top franchise brands financed
10 franchise loans across 4 distinct brands.
| Franchise | Loans |
|---|---|
| Subway | 4 |
| The Junkluggers | 3 |
| Closets by Design | 2 |
| Woofie's | 1 |
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Data source & methodology
All figures computed from the SBA Office of Capital Access FOIA dataset (7(a) loans, FY2020–present, as of 2025-12-31). Charge-off and paid-in-full rates are calculated on the FY2020–FY2023 cohort only, so loans have had time to mature. Charge-off rank covers lenders with ≥500 mature loans.