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County34th of 67 in Pennsylvania by approvalsFIPS 42025
SBA loans in Carbon 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 Carbon County, Pennsylvania, received 42 SBA loan approvals worth $14.2M in FY2021 to FY2025 (39 7(a), 3 504).
That is 34.9 approvals per 1,000 business establishments (1,205 establishments in 2023), close to the Pennsylvania figure of 36.7 and close to the national 41.0.
It ranks 34th of 67 Pennsylvania counties with approvals. In FY2025 there were 9.
20 lenders had approvals here; the most active were Community Bank, National Association (6), Manufacturers and Traders Trust Company (6) and NEPA Alliance Business Finance Corporation (3). 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 Carbon County
By number of approvals to businesses in the county, FY2021–FY2025; 20 lenders had at least one.
| # | Lender | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Community Bank, National AssociationCanton, NY | 6 | $656K | 14.3% | |
| 2 | Manufacturers and Traders Trust CompanyBuffalo, NY | 6 | $343K | 14.3% | |
| 3 | NEPA Alliance Business Finance CorporationPittston, PA · CDC | 3 | $4.1M | 7.1% | |
| 4 | Beacon Bank and TrustBrookline, MA | 3 | $2.0M | 7.1% | |
| 5 | First Commonwealth FCUAllentown, PA | 2 | — | 4.8% | |
| 6 | KeyBank National AssociationCleveland, OH | 2 | — | 4.8% | |
| 7 | Live Oak Banking CompanyWilmington, NC | 2 | — | 4.8% | |
| 8 | Meridian BankMalvern, PA | 2 | — | 4.8% | |
| 9 | Readycap Lending, LLCBerkeley Heights, NJ | 2 | — | 4.8% | |
| 10 | NEPA Alliance Business Finance CorporationPittston, PA | 2 | — | 4.8% | |
| 11 | Northeast BankLewiston, ME | 2 | — | 4.8% | |
| 12 | TD Bank, National AssociationWilmington, DE | 2 | — | 4.8% | |
| 13 | Financial Resources Federal Credit UnionBranchburg, NJ | 1 | — | 2.4% | |
| 14 | First Commonwealth BankIndiana, PA | 1 | — | 2.4% | |
| 15 | Univest Bank and Trust CoSouderton, PA | 1 | — | 2.4% |
Industries
| # | Industry group (NAICS 4-digit) | Approvals | Share | |
|---|---|---|---|---|
| 1 | Restaurants and Other Eating PlacesNAICS 7225 | 5 | 11.9% | |
| 2 | Services to Buildings and DwellingsNAICS 5617 | 4 | 9.5% | |
| 3 | Other Specialty Trade ContractorsNAICS 2389 | 3 | 7.1% | |
| 4 | Other Schools and InstructionNAICS 6116 | 2 | 4.8% | |
| 5 | Machinery, Equipment, and Supplies Merchant WholesalersNAICS 4238 | 2 | 4.8% | |
| 6 | Beer, Wine, and Distilled Alcoholic Beverage Merchant WholesalersNAICS 4248 | 2 | 4.8% | |
| 7 | Local Messengers and Local DeliveryNAICS 4922 | 2 | 4.8% | |
| 8 | Building Material and Supplies DealersNAICS 4441 | 1 | 2.4% | |
| 9 | Clothing and Clothing Accessories RetailersNAICS 4581 | 1 | 2.4% | |
| 10 | Outpatient Care CentersNAICS 6214 | 1 | 2.4% |
Sectors
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Accommodation and Food Services | 8 | 19.0% | |
| 2 | Retail Trade | 7 | 16.7% | |
| 3 | Construction | 5 | 11.9% | |
| 4 | Wholesale Trade | 5 | 11.9% | |
| 5 | Administrative and Support and Waste Management and Remediation Services | 4 | 9.5% | |
| 6 | Transportation and Warehousing | 3 | 7.1% | |
| 7 | Educational Services | 2 | 4.8% | |
| 8 | Other Services (except Public Administration) | 2 | 4.8% |
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 | $3.9M | $235K | 0 | — | 7 | 19 |
| FY2025 | 8 | $1.6M | $103K | 1 | — | 9 | 103 |
| FY2024 | 8 | $1.9M | $242K | 0 | — | 8 | 77 |
| FY2023 | 9 | $2.3M | $180K | 0 | — | 9 | 51 |
| FY2022 | 9 | $2.0M | $134K | 1 | — | 10 | 44 |
| FY2021 | 5 | $2.2M | $500K | 1 | — | 6 | 103 |
| FY2020 | 2 | — | — | 1 | — | 3 | 55 |
| FY2019 | 2 | — | — | 0 | — | 2 | 3 |
| FY2018 | 6 | $4.9M | $951K | 0 | — | 6 | 65 |
| FY2017 | 3 | $359K | $60K | 0 | — | 3 | 5 |
| FY2016 | 10 | $1.8M | $75K | 1 | — | 11 | 63 |
In FY2016–FY2020, the five fiscal years before the current window, the county had 25 approvals.
Against Pennsylvania and the country
| FY2021–FY2025 | Carbon County | Pennsylvania | United States |
|---|---|---|---|
| Approvals | 42 | 11,283 | 342,825 |
| Approvals per 1,000 establishments | 34.9 | 36.7 | 41.0 |
| Median 7(a) approval | $201K | $150K | $190K |
| Median 504 approval | $189K | $607K | $657K |
| Average approval | $339K | $482K | $573K |
| 504 share of approvals | 7.1% | 6.5% | 11.0% |
| Jobs supported per approval, as reported | 9.0 | 10.3 | 10.5 |
| Share of state approvals | 0.4% | 100.0% | — |
Approval sizes
- $50,000 or less28.6%12
- $50,001 to $150,00011.9%5
- $150,001 to $350,00028.6%12
- $350,001 to $1 million28.6%12
- Over $2 million2.4%1
Age of the businesses
- Existing, more than 2 years old38.1%16
- New business, 2 years or less23.8%10
- Startup, loan funds will open the business19.0%8
- Change of ownership19.0%8
Questions and answers
Which lenders make the most SBA loans in Carbon County?
By approvals in FY2021 to FY2025: Community Bank, National Association (6), Manufacturers and Traders Trust Company (6), NEPA Alliance Business Finance Corporation (3), Beacon Bank and Trust (3), First Commonwealth FCU (2). Volume says how active a lender is, nothing about terms or service.
How large are typical SBA loans in Carbon County?
The median 7(a) approval was $201K and the median 504 approval $189K; the Pennsylvania 7(a) median was $150K.
Which industries get the most SBA loans in Carbon County?
Restaurants and Other Eating Places (5); Services to Buildings and Dwellings (4); Other Specialty Trade Contractors (3); Other Schools and Instruction (2); Machinery, Equipment, and Supplies Merchant Wholesalers (2).
Is SBA lending in Carbon County rising?
Approvals in the three latest complete fiscal years total 26, against 19 in the three before: rising (+37%).
How does Carbon County compare with the rest of Pennsylvania?
34.9 approvals per 1,000 establishments against 36.7 statewide, and 42 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