States › Pennsylvania › Bucks County
County4th of 67 in Pennsylvania by approvalsFIPS 42017
SBA loans in Bucks 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 813 loans to businesses in Bucks County, Pennsylvania, in FY2021 to FY2025, worth $455M: 758 under 7(a) and 55 under 504.
That is 40.6 approvals per 1,000 business establishments (20,043 establishments in 2023), close to the Pennsylvania figure of 36.7 and close to the national 41.0.
It ranks 4th of 67 Pennsylvania counties with approvals. In FY2025 there were 214, up 30% on FY2024.
85 lenders had approvals here; the most active were TD Bank, National Association (175), Meridian Bank (47) and Manufacturers and Traders Trust Company (45). 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 Bucks County
By number of approvals to businesses in the county, FY2021–FY2025; 85 lenders had at least one.
| # | Lender | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | TD Bank, National AssociationWilmington, DE | 175 | $31.9M | 21.5% | |
| 2 | Meridian BankMalvern, PA | 47 | $44.1M | 5.8% | |
| 3 | Manufacturers and Traders Trust CompanyBuffalo, NY | 45 | $10.9M | 5.5% | |
| 4 | Wilmington Savings Fund Society FSBWilmington, DE | 38 | $41.3M | 4.7% | |
| 5 | Empire State Certified Development CorporationLatham, NY · CDC | 34 | $27.9M | 4.2% | |
| 6 | Northeast BankLewiston, ME | 32 | $5.7M | 3.9% | |
| 7 | The Huntington National BankColumbus, OH | 30 | $8.6M | 3.7% | |
| 8 | BayFirst National BankSaint Petersburg, FL | 28 | $8.4M | 3.4% | |
| 9 | KeyBank National AssociationCleveland, OH | 25 | $5.1M | 3.1% | |
| 10 | Wells Fargo Bank National AssociationSioux Falls, SD | 18 | $4.3M | 2.2% | |
| 11 | Firstrust Savings BankConshohocken, PA | 17 | $12.0M | 2.1% | |
| 12 | Readycap Lending, LLCBerkeley Heights, NJ | 17 | $8.9M | 2.1% | |
| 13 | Newtek Bank, National AssociationMiami, FL | 16 | $11.5M | 2.0% | |
| 14 | Quaint Oak BankSouthampton, PA | 16 | $10.2M | 2.0% | |
| 15 | Univest Bank and Trust CoSouderton, PA | 15 | $12.7M | 1.8% |
Industries
| # | Industry group (NAICS 4-digit) | Approvals | Share | |
|---|---|---|---|---|
| 1 | Restaurants and Other Eating PlacesNAICS 7225 | 69 | 8.5% | |
| 2 | Services to Buildings and DwellingsNAICS 5617 | 42 | 5.2% | |
| 3 | Automotive Repair and MaintenanceNAICS 8111 | 36 | 4.4% | |
| 4 | Building Equipment ContractorsNAICS 2382 | 35 | 4.3% | |
| 5 | Residential Building ConstructionNAICS 2361 | 32 | 3.9% | |
| 6 | General Freight TruckingNAICS 4841 | 29 | 3.6% | |
| 7 | Other Amusement and Recreation IndustriesNAICS 7139 | 28 | 3.4% | |
| 8 | Foundation, Structure, and Building Exterior ContractorsNAICS 2381 | 27 | 3.3% | |
| 9 | Personal Care ServicesNAICS 8121 | 21 | 2.6% | |
| 10 | Offices of Other Health PractitionersNAICS 6213 | 21 | 2.6% |
Sectors
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Construction | 135 | 16.6% | |
| 2 | Other Services (except Public Administration) | 96 | 11.8% | |
| 3 | Retail Trade | 90 | 11.1% | |
| 4 | Accommodation and Food Services | 88 | 10.8% | |
| 5 | Health Care and Social Assistance | 64 | 7.9% | |
| 6 | Manufacturing | 57 | 7.0% | |
| 7 | Administrative and Support and Waste Management and Remediation Services | 55 | 6.8% | |
| 8 | Professional, Scientific, and Technical Services | 54 | 6.6% |
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* | 96 | $53.4M | $200K | 1 | — | 97 | 1,097 |
| FY2025 | 207 | $113M | $200K | 7 | $12.4M | 214 | 2,414 |
| FY2024 | 158 | $78.3M | $150K | 6 | $2.2M | 164 | 1,268 |
| FY2023 | 142 | $51.0M | $116K | 7 | $8.4M | 149 | 1,608 |
| FY2022 | 123 | $72.7M | $250K | 12 | $9.6M | 135 | 1,612 |
| FY2021 | 128 | $94.1M | $350K | 23 | $13.7M | 151 | 1,537 |
| FY2020 | 100 | $45.9M | $195K | 9 | $8.5M | 109 | 951 |
| FY2019 | 128 | $36.4M | $135K | 10 | $9.9M | 138 | 1,321 |
| FY2018 | 190 | $76.8M | $100K | 7 | $12.0M | 197 | 1,783 |
| FY2017 | 163 | $64.2M | $100K | 6 | $4.5M | 169 | 1,573 |
| FY2016 | 149 | $47.7M | $120K | 1 | — | 150 | 1,390 |
In FY2016–FY2020, the five fiscal years before the current window, the county had 763 approvals.
Against Pennsylvania and the country
| FY2021–FY2025 | Bucks County | Pennsylvania | United States |
|---|---|---|---|
| Approvals | 813 | 11,283 | 342,825 |
| Approvals per 1,000 establishments | 40.6 | 36.7 | 41.0 |
| Median 7(a) approval | $185K | $150K | $190K |
| Median 504 approval | $482K | $607K | $657K |
| Average approval | $560K | $482K | $573K |
| 504 share of approvals | 6.8% | 6.5% | 11.0% |
| Jobs supported per approval, as reported | 10.4 | 10.3 | 10.5 |
| Share of state approvals | 7.2% | 100.0% | — |
Approval sizes
- $50,000 or less24.5%199
- $50,001 to $150,00020.8%169
- $150,001 to $350,00018.7%152
- $350,001 to $1 million21.0%171
- $1 million to $2 million7.6%62
- Over $2 million7.4%60
Age of the businesses
- Existing, more than 2 years old55.2%449
- New business, 2 years or less20.3%165
- Startup, loan funds will open the business15.3%124
- Change of ownership8.9%72
- Not answered0.4%3
Questions and answers
Which lenders make the most SBA loans in Bucks County?
By approvals in FY2021 to FY2025: TD Bank, National Association (175), Meridian Bank (47), Manufacturers and Traders Trust Company (45), Wilmington Savings Fund Society FSB (38), Empire State Certified Development Corporation (34). Volume says how active a lender is, nothing about terms or service.
How large are typical SBA loans in Bucks County?
The median 7(a) approval was $185K and the median 504 approval $482K; the Pennsylvania 7(a) median was $150K.
Which industries get the most SBA loans in Bucks County?
Restaurants and Other Eating Places (69); Services to Buildings and Dwellings (42); Automotive Repair and Maintenance (36); Building Equipment Contractors (35); Residential Building Construction (32).
Is SBA lending in Bucks County rising?
Approvals in the three latest complete fiscal years total 527, against 395 in the three before: rising (+33%).
How does Bucks County compare with the rest of Pennsylvania?
40.6 approvals per 1,000 establishments against 36.7 statewide, and 813 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