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County12th of 67 in Pennsylvania by approvalsFIPS 42019
SBA loans in Butler 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 289 loans to businesses in Butler County, Pennsylvania, in FY2021 to FY2025, worth $136M: 264 under 7(a) and 25 under 504.
That is 56.9 approvals per 1,000 business establishments (5,083 establishments in 2023), above the Pennsylvania figure of 36.7 and above the national 41.0.
It ranks 12th of 67 Pennsylvania counties with approvals. In FY2025 there were 65, down 10% on FY2024.
40 lenders had approvals here; the most active were The Huntington National Bank (121), Northwest Bank (16) and Regional Development Funding Corporation (13). 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 Butler County
By number of approvals to businesses in the county, FY2021–FY2025; 40 lenders had at least one.
| # | Lender | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | The Huntington National BankColumbus, OH | 121 | $24.9M | 41.9% | |
| 2 | Northwest BankWarren, PA | 16 | $2.6M | 5.5% | |
| 3 | Regional Development Funding CorporationPittsburgh, PA · CDC | 13 | $8.3M | 4.5% | |
| 4 | Enterprise BankAllison Park, PA | 13 | $7.9M | 4.5% | |
| 5 | PNC Bank, National AssociationWilmington, DE | 13 | $3.3M | 4.5% | |
| 6 | Empire State Certified Development CorporationLatham, NY · CDC | 12 | $12.4M | 4.2% | |
| 7 | KeyBank National AssociationCleveland, OH | 11 | $6.1M | 3.8% | |
| 8 | First National Bank of PennsylvaniaGreenville, PA | 10 | $14.5M | 3.5% | |
| 9 | First Commonwealth BankIndiana, PA | 9 | $15.2M | 3.1% | |
| 10 | Live Oak Banking CompanyWilmington, NC | 6 | $6.9M | 2.1% | |
| 11 | InFirst BankIndiana, PA | 6 | $2.0M | 2.1% | |
| 12 | Readycap Lending, LLCBerkeley Heights, NJ | 6 | $1.1M | 2.1% | |
| 13 | BayFirst National BankSaint Petersburg, FL | 6 | $614K | 2.1% | |
| 14 | United Midwest Savings Bank National AssociationDe Graff, OH | 5 | $1.2M | 1.7% | |
| 15 | Northeast BankLewiston, ME | 5 | $680K | 1.7% |
Industries
| # | Industry group (NAICS 4-digit) | Approvals | Share | |
|---|---|---|---|---|
| 1 | Restaurants and Other Eating PlacesNAICS 7225 | 32 | 11.1% | |
| 2 | Other Specialty Trade ContractorsNAICS 2389 | 19 | 6.6% | |
| 3 | Building Equipment ContractorsNAICS 2382 | 17 | 5.9% | |
| 4 | Residential Building ConstructionNAICS 2361 | 12 | 4.2% | |
| 5 | Other Amusement and Recreation IndustriesNAICS 7139 | 11 | 3.8% | |
| 6 | Personal Care ServicesNAICS 8121 | 11 | 3.8% | |
| 7 | Services to Buildings and DwellingsNAICS 5617 | 10 | 3.5% | |
| 8 | Other Personal ServicesNAICS 8129 | 9 | 3.1% | |
| 9 | Offices of Other Health PractitionersNAICS 6213 | 9 | 3.1% | |
| 10 | Other Schools and InstructionNAICS 6116 | 8 | 2.8% |
Sectors
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Construction | 56 | 19.4% | |
| 2 | Retail Trade | 38 | 13.1% | |
| 3 | Accommodation and Food Services | 37 | 12.8% | |
| 4 | Other Services (except Public Administration) | 30 | 10.4% | |
| 5 | Manufacturing | 24 | 8.3% | |
| 6 | Health Care and Social Assistance | 22 | 7.6% | |
| 7 | Professional, Scientific, and Technical Services | 17 | 5.9% | |
| 8 | Arts, Entertainment, and Recreation | 15 | 5.2% |
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* | 31 | $13.0M | $165K | 3 | $3.0M | 34 | 695 |
| FY2025 | 62 | $30.2M | $153K | 3 | $4.6M | 65 | 899 |
| FY2024 | 68 | $27.1M | $76K | 4 | $3.5M | 72 | 501 |
| FY2023 | 58 | $18.4M | $78K | 6 | $3.7M | 64 | 435 |
| FY2022 | 41 | $21.8M | $150K | 10 | $8.5M | 51 | 650 |
| FY2021 | 35 | $17.4M | $151K | 2 | — | 37 | 202 |
| FY2020 | 30 | $11.5M | $174K | 6 | $2.4M | 36 | 315 |
| FY2019 | 31 | $15.3M | $176K | 5 | $2.0M | 36 | 418 |
| FY2018 | 43 | $26.2M | $96K | 4 | $2.4M | 47 | 920 |
| FY2017 | 32 | $7.4M | $119K | 6 | $4.9M | 38 | 223 |
| FY2016 | 40 | $9.0M | $58K | 3 | $692K | 43 | 389 |
In FY2016–FY2020, the five fiscal years before the current window, the county had 200 approvals.
Against Pennsylvania and the country
| FY2021–FY2025 | Butler County | Pennsylvania | United States |
|---|---|---|---|
| Approvals | 289 | 11,283 | 342,825 |
| Approvals per 1,000 establishments | 56.9 | 36.7 | 41.0 |
| Median 7(a) approval | $146K | $150K | $190K |
| Median 504 approval | $549K | $607K | $657K |
| Average approval | $469K | $482K | $573K |
| 504 share of approvals | 8.7% | 6.5% | 11.0% |
| Jobs supported per approval, as reported | 9.3 | 10.3 | 10.5 |
| Share of state approvals | 2.6% | 100.0% | — |
Approval sizes
- $50,000 or less31.8%92
- $50,001 to $150,00020.8%60
- $150,001 to $350,00014.2%41
- $350,001 to $1 million19.0%55
- $1 million to $2 million10.0%29
- Over $2 million4.2%12
Age of the businesses
- Existing, more than 2 years old58.1%168
- New business, 2 years or less12.8%37
- Startup, loan funds will open the business22.1%64
- Change of ownership6.9%20
Questions and answers
Which lenders make the most SBA loans in Butler County?
By approvals in FY2021 to FY2025: The Huntington National Bank (121), Northwest Bank (16), Regional Development Funding Corporation (13), Enterprise Bank (13), PNC Bank, National Association (13). Volume says how active a lender is, nothing about terms or service.
How large are typical SBA loans in Butler County?
The median 7(a) approval was $146K and the median 504 approval $549K; the Pennsylvania 7(a) median was $150K.
Which industries get the most SBA loans in Butler County?
Restaurants and Other Eating Places (32); Other Specialty Trade Contractors (19); Building Equipment Contractors (17); Residential Building Construction (12); Other Amusement and Recreation Industries (11).
Is SBA lending in Butler County rising?
Approvals in the three latest complete fiscal years total 201, against 124 in the three before: rising (+62%).
How does Butler County compare with the rest of Pennsylvania?
56.9 approvals per 1,000 establishments against 36.7 statewide, and 289 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