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Five Star Bank (NY)

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 : 91
SBA Loans Total Approval Amount YTD: $12,151,000
Average SBA Loan Size: $133,527
Average SBA Loan Rate over Prime (this number plus current prime rate): 1.70
Five Star Bank (NY)

Unlock Your Financial Potential with Five Star Bank (NY)

Five Star Bank, headquartered in Warsaw, New York, is a community-focused financial institution dedicated to helping small businesses succeed across New York State. With extensive experience in SBA lending, the bank provides affordable, government-backed financing designed to help entrepreneurs start, grow, and expand their businesses with confidence.

Key Features of Five Star Bank

  • Comprehensive Business Banking: Business checking and savings accounts, merchant services, treasury management, and digital banking tools that simplify everyday financial operations.
  • SBA Loan Expertise: Five Star Bank offers SBA 7(a) and 504 loan programs that provide small businesses with flexible, long-term financing for working capital, real estate purchases, and equipment investments.
  • Local Decision-Making: Lending decisions are made locally by bankers who understand New York’s business climate and regional economic opportunities.
  • Tailored Commercial Lending: In addition to SBA loans, Five Star offers commercial real estate loans, term loans, and lines of credit that meet the needs of diverse industries across upstate New York.
  • Commitment to Community Development: As a mission-driven bank, Five Star actively supports small business growth, local job creation, and community advancement through strategic lending and partnerships.

Why Choose Five Star Bank for SBA Loans?

Five Star Bank blends the personalized service of a community bank with the resources of a regional lender. Its experienced SBA lending team helps business owners navigate the application process from start to finish — ensuring fast approvals, transparent communication, and flexible financing. Whether you’re expanding your company, acquiring property, or purchasing equipment, Five Star Bank delivers the expertise and partnership you can trust.

How to Get Started

Ready to grow your business with an SBA loan or other financing solution? Visit the Five Star Bank Business Banking page to explore available SBA programs, review eligibility, and connect with an SBA lending expert.

Empower your financial future today with Five Star Bank — where New York businesses come to grow.

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SBA Loan Approval Count : 20
SBA Loans Total Approval Amount YTD: $2,057,500
Average SBA Loan Size: $102,875
Average SBA Loan Rate over Prime (this number plus current prime rate): 2.95
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SBA Loan Approval Count : 72
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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SBA Loans Total Approval Amount YTD: $16,061,000
Average SBA Loan Size: $892,278
Average SBA Loan Rate over Prime (this number plus current prime rate): 2.61
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