States › Pennsylvania › Beaver County
County17th of 67 in Pennsylvania by approvalsFIPS 42007
SBA loans in Beaver 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.
Businesses in Beaver County, Pennsylvania, received 220 SBA loan approvals worth $79.5M in FY2021 to FY2025 (212 7(a), 8 504).
That is 66.1 approvals per 1,000 business establishments (3,327 establishments in 2023), above the Pennsylvania figure of 36.7 and above the national 41.0.
It ranks 17th of 67 Pennsylvania counties with approvals. In FY2025 there were 29, down 49% on FY2024.
30 lenders had approvals here; the most active were The Huntington National Bank (135), First Commonwealth Bank (16) and First National Bank of Pennsylvania (11). The most common industry was restaurants and other eating places.
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 Beaver County
By number of approvals to businesses in the county, FY2021–FY2025; 30 lenders had at least one.
| # | Lender | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | The Huntington National BankColumbus, OH | 135 | $18.8M | 61.4% | |
| 2 | First Commonwealth BankIndiana, PA | 16 | $6.9M | 7.3% | |
| 3 | First National Bank of PennsylvaniaGreenville, PA | 11 | $6.4M | 5.0% | |
| 4 | Enterprise BankAllison Park, PA | 7 | $4.5M | 3.2% | |
| 5 | Northwest BankWarren, PA | 6 | $2.7M | 2.7% | |
| 6 | Empire State Certified Development CorporationLatham, NY · CDC | 5 | $7.4M | 2.3% | |
| 7 | Northeast BankLewiston, ME | 5 | $598K | 2.3% | |
| 8 | Univest Bank and Trust CoSouderton, PA | 3 | $3.3M | 1.4% | |
| 9 | Regional Development Funding CorporationPittsburgh, PA · CDC | 3 | $1.5M | 1.4% | |
| 10 | WesBanco Bank, Inc.Wheeling, WV | 3 | $779K | 1.4% | |
| 11 | Gulf Coast Bank and Trust CompanyNew Orleans, LA | 2 | — | 0.9% | |
| 12 | Byline BankChicago, IL | 2 | — | 0.9% | |
| 13 | Live Oak Banking CompanyWilmington, NC | 2 | — | 0.9% | |
| 14 | Newtek Small Business Finance, Inc.Lake Success, NY | 2 | — | 0.9% | |
| 15 | KeyBank National AssociationCleveland, OH | 2 | — | 0.9% |
Industries
| # | Industry group (NAICS 4-digit) | Approvals | Share | |
|---|---|---|---|---|
| 1 | Restaurants and Other Eating PlacesNAICS 7225 | 20 | 9.1% | |
| 2 | General Freight TruckingNAICS 4841 | 16 | 7.3% | |
| 3 | Personal Care ServicesNAICS 8121 | 12 | 5.5% | |
| 4 | Management, Scientific, and Technical Consulting ServicesNAICS 5416 | 11 | 5.0% | |
| 5 | Automotive Repair and MaintenanceNAICS 8111 | 11 | 5.0% | |
| 6 | Residential Building ConstructionNAICS 2361 | 10 | 4.5% | |
| 7 | Other Specialty Trade ContractorsNAICS 2389 | 8 | 3.6% | |
| 8 | Services to Buildings and DwellingsNAICS 5617 | 8 | 3.6% | |
| 9 | Building Equipment ContractorsNAICS 2382 | 8 | 3.6% | |
| 10 | Other Personal ServicesNAICS 8129 | 7 | 3.2% |
Sectors
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Construction | 38 | 17.3% | |
| 2 | Other Services (except Public Administration) | 35 | 15.9% | |
| 3 | Retail Trade | 26 | 11.8% | |
| 4 | Accommodation and Food Services | 25 | 11.4% | |
| 5 | Professional, Scientific, and Technical Services | 21 | 9.5% | |
| 6 | Transportation and Warehousing | 19 | 8.6% | |
| 7 | Manufacturing | 14 | 6.4% | |
| 8 | Administrative and Support and Waste Management and Remediation Services | 14 | 6.4% |
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* | 13 | $5.4M | $180K | 0 | — | 13 | 423 |
| FY2025 | 28 | $14.1M | $56K | 1 | — | 29 | 132 |
| FY2024 | 55 | $14.2M | $75K | 2 | — | 57 | 282 |
| FY2023 | 43 | $8.5M | $67K | 1 | — | 44 | 347 |
| FY2022 | 47 | $13.4M | $50K | 3 | $7.0M | 50 | 456 |
| FY2021 | 39 | $20.4M | $150K | 1 | — | 40 | 361 |
| FY2020 | 12 | $2.5M | $50K | 2 | — | 14 | 126 |
| FY2019 | 18 | $3.1M | $32K | 0 | — | 18 | 56 |
| FY2018 | 35 | $12.8M | $90K | 1 | — | 36 | 340 |
| FY2017 | 34 | $8.4M | $50K | 1 | — | 35 | 354 |
| FY2016 | 37 | $5.7M | $50K | 0 | — | 37 | 178 |
In FY2016–FY2020, the five fiscal years before the current window, the county had 140 approvals.
Against Pennsylvania and the country
| FY2021–FY2025 | Beaver County | Pennsylvania | United States |
|---|---|---|---|
| Approvals | 220 | 11,283 | 342,825 |
| Approvals per 1,000 establishments | 66.1 | 36.7 | 41.0 |
| Median 7(a) approval | $75K | $150K | $190K |
| Median 504 approval | $497K | $607K | $657K |
| Average approval | $361K | $482K | $573K |
| 504 share of approvals | 3.6% | 6.5% | 11.0% |
| Jobs supported per approval, as reported | 7.2 | 10.3 | 10.5 |
| Share of state approvals | 1.9% | 100.0% | — |
Approval sizes
- $50,000 or less42.3%93
- $50,001 to $150,00020.0%44
- $150,001 to $350,00016.4%36
- $350,001 to $1 million12.3%27
- $1 million to $2 million5.9%13
- Over $2 million3.2%7
Age of the businesses
- Existing, more than 2 years old62.3%137
- New business, 2 years or less14.5%32
- Startup, loan funds will open the business15.0%33
- Change of ownership8.2%18
Questions and answers
Which lenders make the most SBA loans in Beaver County?
By approvals in FY2021 to FY2025: The Huntington National Bank (135), First Commonwealth Bank (16), First National Bank of Pennsylvania (11), Enterprise Bank (7), Northwest Bank (6). Volume says how active a lender is, nothing about terms or service.
How large are typical SBA loans in Beaver County?
The median 7(a) approval was $75K and the median 504 approval $497K; the Pennsylvania 7(a) median was $150K.
Which industries get the most SBA loans in Beaver County?
Restaurants and Other Eating Places (20); General Freight Trucking (16); Personal Care Services (12); Management, Scientific, and Technical Consulting Services (11); Automotive Repair and Maintenance (11).
Is SBA lending in Beaver County rising?
Approvals in the three latest complete fiscal years total 130, against 104 in the three before: rising (+25%).
How does Beaver County compare with the rest of Pennsylvania?
66.1 approvals per 1,000 establishments against 36.7 statewide, and 220 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