Manufacturers and Traders Trust Company
Headquartered in BUFFALO, NY. Analysis based on 10,860 SBA 7(a) loans approved between FY2020 and 2025-12-31, totaling $1.40B.
Risk ranking: Among 65 lenders with 500+ mature SBA 7(a) loans (FY2020–FY2023),
Manufacturers and Traders Trust Company ranks #61 by charge-off rate (5.70%).
Total 7(a) loans
10,860
Total approved
$1.40B
Average loan
$129K
States funded in
22
Charge-off rate
5.70%
FY2020–FY2023 cohort
Paid-in-full rate
27.98%
Average rate
10.23%
Average term
102 mo
Top 10 industries financed
| NAICS | Industry | Loans |
|---|---|---|
| 722511 | Full-Service Restaurants | 488 |
| 236118 | Residential Remodelers | 353 |
| 722513 | Limited-Service Restaurants | 351 |
| 561730 | Landscaping Services | 288 |
| 812112 | Beauty Salons | 238 |
| 238990 | All Other Specialty Trade Contractors | 233 |
| 811111 | General Automotive Repair | 215 |
| 713940 | Fitness and Recreational Sports Centers | 197 |
| 484110 | General Freight Trucking, Local | 194 |
| 238220 | Plumbing, Heating, and Air-Conditioning Contractors | 182 |
Top 10 states
| State | Loans |
|---|---|
| NY | 3,586 |
| MD | 2,376 |
| PA | 1,179 |
| NJ | 979 |
| CT | 820 |
| VA | 636 |
| DE | 387 |
| MA | 336 |
| DC | 175 |
| NH | 149 |
Top franchise brands financed
524 franchise loans across 254 distinct brands.
| Franchise | Loans |
|---|---|
| The UPS Store (f/k/a Mail Box | 32 |
| Subway | 18 |
| Perri's Pizzeria | 8 |
| Kiddie Academy | 6 |
| Fred Astaire Dance Studios | 6 |
| Jersey Mike's | 6 |
| Tropical Smoothie Cafe | 5 |
| British Swim School | 5 |
| Hyper Kidz | 5 |
| Celebree School | 5 |
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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.