States › Pennsylvania › Bradford County
County32nd of 67 in Pennsylvania by approvalsFIPS 42015
SBA loans in Bradford 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 48 loans to businesses in Bradford County, Pennsylvania, in FY2021 to FY2025, worth $15.3M: 43 under 7(a) and 5 under 504.
That is 36.0 approvals per 1,000 business establishments (1,334 establishments in 2023), close to the Pennsylvania figure of 36.7 and close to the national 41.0.
It ranks 32nd of 67 Pennsylvania counties with approvals. In FY2025 there were 20.
15 lenders had approvals here; the most active were Manufacturers and Traders Trust Company (12), PS Bank (9) and Citizens & Northern Bank (8). The most common industry was general freight trucking.
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 Bradford County
By number of approvals to businesses in the county, FY2021–FY2025; 15 lenders had at least one.
| # | Lender | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Manufacturers and Traders Trust CompanyBuffalo, NY | 12 | $885K | 25.0% | |
| 2 | PS BankWyalusing, PA | 9 | $422K | 18.8% | |
| 3 | Citizens & Northern BankWellsboro, PA | 8 | $886K | 16.7% | |
| 4 | NEPA Alliance Business Finance CorporationPittston, PA · CDC | 3 | $2.4M | 6.3% | |
| 5 | Chemung Canal Trust CompanyElmira, NY | 3 | $107K | 6.3% | |
| 6 | Coastal States BankHilton Head Island, SC | 2 | — | 4.2% | |
| 7 | Empire State Certified Development CorporationLatham, NY · CDC | 2 | — | 4.2% | |
| 8 | Five Star BankRochester, NY | 2 | — | 4.2% | |
| 9 | Enterprise Bank & TrustClayton, MO | 1 | — | 2.1% | |
| 10 | Customers BankMalvern, PA | 1 | — | 2.1% | |
| 11 | First Bank of the LakeOsage Beach, MO | 1 | — | 2.1% | |
| 12 | Lendistry SBLC, LLCLos Angeles, CA | 1 | — | 2.1% | |
| 13 | Newtek Bank, National AssociationMiami, FL | 1 | — | 2.1% | |
| 14 | Readycap Lending, LLCBerkeley Heights, NJ | 1 | — | 2.1% | |
| 15 | Northeast BankLewiston, ME | 1 | — | 2.1% |
Industries
| # | Industry group (NAICS 4-digit) | Approvals | Share | |
|---|---|---|---|---|
| 1 | General Freight TruckingNAICS 4841 | 10 | 20.8% | |
| 2 | Restaurants and Other Eating PlacesNAICS 7225 | 5 | 10.4% | |
| 3 | LoggingNAICS 1133 | 3 | 6.3% | |
| 4 | Traveler AccommodationNAICS 7211 | 2 | 4.2% | |
| 5 | Offices of PhysiciansNAICS 6211 | 2 | 4.2% | |
| 6 | Other Specialty Trade ContractorsNAICS 2389 | 2 | 4.2% | |
| 7 | Foundation, Structure, and Building Exterior ContractorsNAICS 2381 | 2 | 4.2% | |
| 8 | Other General Purpose Machinery ManufacturingNAICS 3339 | 2 | 4.2% | |
| 9 | Industrial Machinery ManufacturingNAICS 3332 | 2 | 4.2% | |
| 10 | Specialty Food StoresNAICS 4452 | 1 | 2.1% |
Sectors
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Transportation and Warehousing | 10 | 20.8% | |
| 2 | Accommodation and Food Services | 7 | 14.6% | |
| 3 | Manufacturing | 7 | 14.6% | |
| 4 | Agriculture, Forestry, Fishing and Hunting | 5 | 10.4% | |
| 5 | Construction | 5 | 10.4% | |
| 6 | Health Care and Social Assistance | 4 | 8.3% | |
| 7 | Other Services (except Public Administration) | 3 | 6.3% | |
| 8 | Retail Trade | 2 | 4.2% |
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* | 3 | $100K | $35K | 0 | — | 3 | 5 |
| FY2025 | 19 | $1.8M | $50K | 1 | — | 20 | 61 |
| FY2024 | 5 | $4.5M | $65K | 1 | — | 6 | 80 |
| FY2023 | 7 | $1.7M | $25K | 1 | — | 8 | 55 |
| FY2022 | 2 | — | — | 2 | — | 4 | 37 |
| FY2021 | 10 | $3.6M | $73K | 0 | — | 10 | 64 |
| FY2020 | 5 | $967K | $78K | 0 | — | 5 | 12 |
| FY2019 | 9 | $734K | $54K | 0 | — | 9 | 30 |
| FY2018 | 13 | $5.2M | $67K | 0 | — | 13 | 75 |
| FY2017 | 7 | $1.5M | $150K | 0 | — | 7 | 53 |
| FY2016 | 12 | $761K | $58K | 0 | — | 12 | 42 |
In FY2016–FY2020, the five fiscal years before the current window, the county had 46 approvals.
Against Pennsylvania and the country
| FY2021–FY2025 | Bradford County | Pennsylvania | United States |
|---|---|---|---|
| Approvals | 48 | 11,283 | 342,825 |
| Approvals per 1,000 establishments | 36.0 | 36.7 | 41.0 |
| Median 7(a) approval | $56K | $150K | $190K |
| Median 504 approval | $482K | $607K | $657K |
| Average approval | $319K | $482K | $573K |
| 504 share of approvals | 10.4% | 6.5% | 11.0% |
| Jobs supported per approval, as reported | 6.2 | 10.3 | 10.5 |
| Share of state approvals | 0.4% | 100.0% | — |
Approval sizes
- $50,000 or less43.8%21
- $50,001 to $150,00020.8%10
- $150,001 to $350,00020.8%10
- $350,001 to $1 million4.2%2
- $1 million to $2 million8.3%4
- Over $2 million2.1%1
Age of the businesses
- Existing, more than 2 years old60.4%29
- New business, 2 years or less14.6%7
- Startup, loan funds will open the business12.5%6
- Change of ownership12.5%6
Questions and answers
Which lenders make the most SBA loans in Bradford County?
By approvals in FY2021 to FY2025: Manufacturers and Traders Trust Company (12), PS Bank (9), Citizens & Northern Bank (8), NEPA Alliance Business Finance Corporation (3), Chemung Canal Trust Company (3). Volume says how active a lender is, nothing about terms or service.
How large are typical SBA loans in Bradford County?
The median 7(a) approval was $56K and the median 504 approval $482K; the Pennsylvania 7(a) median was $150K.
Which industries get the most SBA loans in Bradford County?
General Freight Trucking (10); Restaurants and Other Eating Places (5); Logging (3); Traveler Accommodation (2); Offices of Physicians (2).
Is SBA lending in Bradford County rising?
Approvals in the three latest complete fiscal years total 34, against 19 in the three before: rising (+79%).
How does Bradford County compare with the rest of Pennsylvania?
36.0 approvals per 1,000 establishments against 36.7 statewide, and 48 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