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ESL FCU (NY)

ESL FCU (NY)

With outstanding member service, ESL Federal Credit Union provides personal and business banking and wealth management services to the Rochester area.

Change of Ownership
Existing or more than 2 years old
Fixed Rates
Loan Funds will Open Business
New Business or 2 years or less
# Preferred Lenders Program
# SBA Express Program
# Startup
# Variable Rates
SBA Loan Approval Count : 86
SBA Loans Total Approval Amount YTD: $10,482,000
Average SBA Loan Size: $121,884
Average SBA Loan Rate over Prime (this number plus current prime rate): 1.26
ESL FCU (NY)

Unlock Your Financial Potential with ESL Federal Credit Union (NY)

ESL Federal Credit Union, headquartered in Rochester, New York, is one of the largest and most respected credit unions in the state, proudly serving more than 400,000 members and thousands of small businesses across the Greater Rochester region. With a people-first mission and strong expertise in SBA lending, ESL helps entrepreneurs access the affordable financing they need to grow and thrive.

Key Features of ESL Federal Credit Union

  • Comprehensive Business Banking: Business checking and savings accounts, cash management, merchant services, and online tools designed to make managing your business finances simple and efficient.
  • SBA Loan Expertise: ESL participates in the U.S. Small Business Administration’s 7(a) and 504 loan programs, providing government-backed financing options for working capital, commercial real estate, and equipment purchases.
  • Flexible Financing Solutions: Beyond SBA loans, ESL offers business term loans, lines of credit, and commercial real estate loans with competitive rates and flexible repayment terms tailored to local business needs.
  • Digital & Mobile Banking: Business owners enjoy secure, user-friendly online and mobile banking platforms for convenient account access and cash-flow management.
  • Commitment to the Community: As a not-for-profit cooperative, ESL reinvests its earnings into member benefits and regional development — supporting small business growth, job creation, and community prosperity throughout Western New York.

Why Choose ESL Federal Credit Union for SBA Loans?

ESL combines the financial strength of a major institution with the service and values of a community-based credit union. Its SBA lending team provides personalized support through every step of the process, ensuring fast decisions, flexible loan options, and transparent communication. Whether you’re expanding operations, purchasing property, or starting a new venture, ESL helps turn your business plans into reality.

How to Get Started

Ready to grow your business with an SBA loan or other financing solution? Visit the ESL Federal Credit Union Business Banking page to explore available SBA programs, review eligibility, and connect with a local lending expert.

Empower your financial future today with ESL Federal Credit Union — where New York businesses come to grow.

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SBA Loans Total Approval Amount YTD: $2,057,500
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SBA Loans Total Approval Amount YTD: $25,639,000
Average SBA Loan Size: $356,097
Average SBA Loan Rate over Prime (this number plus current prime rate): 1.975
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