You'll need an excellent business credit score as well as good personal credit to qualify for an SBA loan or traditional loan from a bank; this will depend on the individual lender and business factors such as your revenue, cash flow and time in business.
While getting a Business loan in New York is quite similar to how you get it in India. Approach the lender, submit your documents. Your documents will be scanned by the lender. If everything is okay, you will get the money.