States › Pennsylvania › Adams County
County26th of 67 in Pennsylvania by approvalsFIPS 42001
SBA loans in Adams County, Pennsylvania
7(a) and 504 approvals to businesses located in the county, set against the number of businesses there and against the state.
SBA approvals by fiscal year. The federal fiscal year runs 1 October to 30 September, so FY2025 is 1 October 2024 to 30 September 2025. *FY2026 is open: approvals to 30 Jun 2026 only.
SBA approved 82 loans to businesses in Adams County, Pennsylvania, in FY2021 to FY2025, worth $39.2M: 75 under 7(a) and 7 under 504.
That is 41.7 approvals per 1,000 business establishments (1,967 establishments in 2023), close to the Pennsylvania figure of 36.7 and close to the national 41.0.
It ranks 26th of 67 Pennsylvania counties with approvals. In FY2025 there were 26, up 136% on FY2024.
25 lenders had approvals here; the most active were Manufacturers and Traders Trust Company (44), EDC Finance Corporation (4) and PNC Bank, National Association (4). The most common industry was residential building construction.
Loan status is as recorded by SBA at the data date; charge-off rates are computed on loans approved at least five fiscal years ago. Jobs supported are self-reported estimates from the SBA loan application, which SBA does not review, audit or validate. Data through 30 Jun 2026.
Lenders most active in Adams County
By number of approvals to businesses in the county, FY2021–FY2025; 25 lenders had at least one.
| # | Lender | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Manufacturers and Traders Trust CompanyBuffalo, NY | 44 | $3.6M | 53.7% | |
| 2 | EDC Finance CorporationLancaster, PA · CDC | 4 | $3.5M | 4.9% | |
| 3 | PNC Bank, National AssociationWilmington, DE | 4 | $1.3M | 4.9% | |
| 4 | The Huntington National BankColumbus, OH | 3 | $2.5M | 3.7% | |
| 5 | Newtek Small Business Finance, Inc.Lake Success, NY | 2 | — | 2.4% | |
| 6 | Beacon Bank and TrustBrookline, MA | 2 | — | 2.4% | |
| 7 | U.S. Bank, National AssociationCincinnati, OH | 2 | — | 2.4% | |
| 8 | Wilmington Savings Fund Society FSBWilmington, DE | 2 | — | 2.4% | |
| 9 | Northeast BankLewiston, ME | 2 | — | 2.4% | |
| 10 | Celtic Bank CorporationSalt Lake City, UT | 2 | — | 2.4% | |
| 11 | Peapack Private Bank and TrustBedminster, NJ | 1 | — | 1.2% | |
| 12 | Truist BankCharlotte, NC | 1 | — | 1.2% | |
| 13 | Byline BankChicago, IL | 1 | — | 1.2% | |
| 14 | Harvest Small Business Finance, LLCLaguna Hills, CA | 1 | — | 1.2% | |
| 15 | Citizens Bank, National AssociationProvidence, RI | 1 | — | 1.2% |
Industries
| # | Industry group (NAICS 4-digit) | Approvals | Share | |
|---|---|---|---|---|
| 1 | Residential Building ConstructionNAICS 2361 | 6 | 7.3% | |
| 2 | Beverage ManufacturingNAICS 3121 | 5 | 6.1% | |
| 3 | Restaurants and Other Eating PlacesNAICS 7225 | 5 | 6.1% | |
| 4 | Converted Paper Product ManufacturingNAICS 3222 | 4 | 4.9% | |
| 5 | Services to Buildings and DwellingsNAICS 5617 | 4 | 4.9% | |
| 6 | Navigational, Measuring, Electromedical, and Control Instruments ManufacturingNAICS 3345 | 3 | 3.7% | |
| 7 | Building Finishing ContractorsNAICS 2383 | 3 | 3.7% | |
| 8 | Building Equipment ContractorsNAICS 2382 | 3 | 3.7% | |
| 9 | Other Amusement and Recreation IndustriesNAICS 7139 | 3 | 3.7% | |
| 10 | Cattle Ranching and FarmingNAICS 1121 | 3 | 3.7% |
Sectors
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Manufacturing | 17 | 20.7% | |
| 2 | Construction | 15 | 18.3% | |
| 3 | Accommodation and Food Services | 8 | 9.8% | |
| 4 | Administrative and Support and Waste Management and Remediation Services | 8 | 9.8% | |
| 5 | Wholesale Trade | 7 | 8.5% | |
| 6 | Retail Trade | 6 | 7.3% | |
| 7 | Professional, Scientific, and Technical Services | 5 | 6.1% | |
| 8 | Arts, Entertainment, and Recreation | 4 | 4.9% |
Approvals by fiscal year
| Fiscal year | 7(a) approvals | 7(a) dollars | Median 7(a) | 504 approvals | 504 dollars | All approvals | Jobs supported, as reported |
|---|---|---|---|---|---|---|---|
| FY2026* | 7 | $461K | $26K | 0 | — | 7 | 23 |
| FY2025 | 25 | $14.3M | $100K | 1 | — | 26 | 223 |
| FY2024 | 10 | $1.6M | $48K | 1 | — | 11 | 69 |
| FY2023 | 13 | $2.2M | $50K | 0 | — | 13 | 35 |
| FY2022 | 15 | $6.5M | $90K | 3 | $2.9M | 18 | 89 |
| FY2021 | 12 | $9.7M | $60K | 2 | — | 14 | 101 |
| FY2020 | 9 | $2.0M | $50K | 1 | — | 10 | 87 |
| FY2019 | 14 | $5.4M | $113K | 2 | — | 16 | 141 |
| FY2018 | 8 | $11.2M | $925K | 1 | — | 9 | 112 |
| FY2017 | 10 | $562K | $43K | 0 | — | 10 | 20 |
| FY2016 | 11 | $1.8M | $101K | 0 | — | 11 | 44 |
In FY2016–FY2020, the five fiscal years before the current window, the county had 56 approvals.
Against Pennsylvania and the country
| FY2021–FY2025 | Adams County | Pennsylvania | United States |
|---|---|---|---|
| Approvals | 82 | 11,283 | 342,825 |
| Approvals per 1,000 establishments | 41.7 | 36.7 | 41.0 |
| Median 7(a) approval | $75K | $150K | $190K |
| Median 504 approval | $428K | $607K | $657K |
| Average approval | $477K | $482K | $573K |
| 504 share of approvals | 8.5% | 6.5% | 11.0% |
| Jobs supported per approval, as reported | 6.3 | 10.3 | 10.5 |
| Share of state approvals | 0.7% | 100.0% | — |
Approval sizes
- $50,000 or less37.8%31
- $50,001 to $150,00024.4%20
- $150,001 to $350,00014.6%12
- $350,001 to $1 million9.8%8
- $1 million to $2 million3.7%3
- Over $2 million9.8%8
Age of the businesses
- Existing, more than 2 years old62.2%51
- New business, 2 years or less15.9%13
- Startup, loan funds will open the business17.1%14
- Change of ownership4.9%4
Questions and answers
Which lenders make the most SBA loans in Adams County?
By approvals in FY2021 to FY2025: Manufacturers and Traders Trust Company (44), EDC Finance Corporation (4), PNC Bank, National Association (4), The Huntington National Bank (3), Newtek Small Business Finance, Inc. (2). Volume says how active a lender is, nothing about terms or service.
How large are typical SBA loans in Adams County?
The median 7(a) approval was $75K and the median 504 approval $428K; the Pennsylvania 7(a) median was $150K.
Which industries get the most SBA loans in Adams County?
Residential Building Construction (6); Beverage Manufacturing (5); Restaurants and Other Eating Places (5); Converted Paper Product Manufacturing (4); Services to Buildings and Dwellings (4).
Is SBA lending in Adams County rising?
Approvals in the three latest complete fiscal years total 50, against 42 in the three before: rising (+19%).
How does Adams County compare with the rest of Pennsylvania?
41.7 approvals per 1,000 establishments against 36.7 statewide, and 82 of the state's 11,283 approvals.
About these figures
Figures are totals of the Small Business Administration's 7(a) and 504 FOIA loan files, data through 30 Jun 2026. SBA updates the files quarterly. Counts are loan approvals, including approvals later cancelled; the five-year window is FY2021–FY2025, the five latest complete fiscal years. Charge-off rates use only loans approved in FY2010–FY2021, at least five fiscal years ago, and count disbursed loans SBA records as charged off. Loans are listed under the lender they are assigned to today. Establishment counts are from the Census Bureau's County Business Patterns 2023, which leaves out most farms, government and businesses without employees. Dollar figures behind fewer than three approvals are not shown, and no borrower is named anywhere on this site.Methodology · Report an error