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County38th of 67 in Pennsylvania by approvalsFIPS 42037
SBA loans in Columbia 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 38 loans to businesses in Columbia County, Pennsylvania, in FY2021 to FY2025, worth $19.3M: 31 under 7(a) and 7 under 504.
That is 26.6 approvals per 1,000 business establishments (1,428 establishments in 2023), below the Pennsylvania figure of 36.7 and below the national 41.0.
It ranks 38th of 67 Pennsylvania counties with approvals. In FY2025 there were 7, down 50% on FY2024.
17 lenders had approvals here; the most active were Manufacturers and Traders Trust Company (14), SEDA-COG Local Development Corporation (4) 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 Columbia County
By number of approvals to businesses in the county, FY2021–FY2025; 17 lenders had at least one.
| # | Lender | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Manufacturers and Traders Trust CompanyBuffalo, NY | 14 | $821K | 36.8% | |
| 2 | SEDA-COG Local Development CorporationLewisburg, PA · CDC | 4 | $5.3M | 10.5% | |
| 3 | NEPA Alliance Business Finance CorporationPittston, PA · CDC | 3 | $4.3M | 7.9% | |
| 4 | Northeast BankLewiston, ME | 3 | $315K | 7.9% | |
| 5 | Newtek Bank, National AssociationMiami, FL | 2 | — | 5.3% | |
| 6 | Live Oak Banking CompanyWilmington, NC | 1 | — | 2.6% | |
| 7 | First Keystone Community BankBerwick, PA | 1 | — | 2.6% | |
| 8 | Beacon Bank and TrustBrookline, MA | 1 | — | 2.6% | |
| 9 | BayFirst National BankSaint Petersburg, FL | 1 | — | 2.6% | |
| 10 | Journey BankBloomsburg, PA | 1 | — | 2.6% | |
| 11 | PS BankWyalusing, PA | 1 | — | 2.6% | |
| 12 | The Huntington National BankColumbus, OH | 1 | — | 2.6% | |
| 13 | Northwest BankWarren, PA | 1 | — | 2.6% | |
| 14 | Celtic Bank CorporationSalt Lake City, UT | 1 | — | 2.6% | |
| 15 | NEPA Alliance Business Finance CorporationPittston, PA | 1 | — | 2.6% |
Industries
| # | Industry group (NAICS 4-digit) | Approvals | Share | |
|---|---|---|---|---|
| 1 | Restaurants and Other Eating PlacesNAICS 7225 | 4 | 10.5% | |
| 2 | Residential Building ConstructionNAICS 2361 | 4 | 10.5% | |
| 3 | Other Specialty Trade ContractorsNAICS 2389 | 3 | 7.9% | |
| 4 | Plastics Product ManufacturingNAICS 3261 | 2 | 5.3% | |
| 5 | Services to Buildings and DwellingsNAICS 5617 | 2 | 5.3% | |
| 6 | Utility System ConstructionNAICS 2371 | 2 | 5.3% | |
| 7 | Miscellaneous Durable Goods Merchant WholesalersNAICS 4239 | 2 | 5.3% | |
| 8 | Automobile DealersNAICS 4411 | 1 | 2.6% | |
| 9 | Other Wood Product ManufacturingNAICS 3219 | 1 | 2.6% | |
| 10 | RV (Recreational Vehicle) Parks and Recreational CampsNAICS 7212 | 1 | 2.6% |
Sectors
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Construction | 12 | 31.6% | |
| 2 | Manufacturing | 6 | 15.8% | |
| 3 | Accommodation and Food Services | 5 | 13.2% | |
| 4 | Administrative and Support and Waste Management and Remediation Services | 3 | 7.9% | |
| 5 | Wholesale Trade | 3 | 7.9% | |
| 6 | Retail Trade | 1 | 2.6% | |
| 7 | Real Estate and Rental and Leasing | 1 | 2.6% | |
| 8 | Arts, Entertainment, and Recreation | 1 | 2.6% |
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* | 4 | $305K | $23K | 0 | — | 4 | 18 |
| FY2025 | 6 | $626K | $66K | 1 | — | 7 | 30 |
| FY2024 | 13 | $926K | $40K | 1 | — | 14 | 49 |
| FY2023 | 4 | $5.9M | $1.3M | 1 | — | 5 | 156 |
| FY2022 | 3 | $1.6M | $350K | 3 | $5.0M | 6 | 52 |
| FY2021 | 5 | $715K | $164K | 1 | — | 6 | 23 |
| FY2020 | 2 | — | — | 0 | — | 2 | 9 |
| FY2019 | 1 | — | — | 2 | — | 3 | 7 |
| FY2018 | 1 | — | — | 1 | — | 2 | 0 |
| FY2017 | 2 | — | — | 0 | — | 2 | 45 |
| FY2016 | 5 | $3.2M | $110K | 0 | — | 5 | 364 |
In FY2016–FY2020, the five fiscal years before the current window, the county had 14 approvals.
Against Pennsylvania and the country
| FY2021–FY2025 | Columbia County | Pennsylvania | United States |
|---|---|---|---|
| Approvals | 38 | 11,283 | 342,825 |
| Approvals per 1,000 establishments | 26.6 | 36.7 | 41.0 |
| Median 7(a) approval | $74K | $150K | $190K |
| Median 504 approval | $867K | $607K | $657K |
| Average approval | $507K | $482K | $573K |
| 504 share of approvals | 18.4% | 6.5% | 11.0% |
| Jobs supported per approval, as reported | 8.2 | 10.3 | 10.5 |
| Share of state approvals | 0.3% | 100.0% | — |
Approval sizes
- $50,000 or less36.8%14
- $50,001 to $150,00015.8%6
- $150,001 to $350,00026.3%10
- $350,001 to $1 million5.3%2
- $1 million to $2 million5.3%2
- Over $2 million10.5%4
Age of the businesses
- Existing, more than 2 years old63.2%24
- New business, 2 years or less18.4%7
- Startup, loan funds will open the business15.8%6
- Change of ownership2.6%1
Questions and answers
Which lenders make the most SBA loans in Columbia County?
By approvals in FY2021 to FY2025: Manufacturers and Traders Trust Company (14), SEDA-COG Local Development Corporation (4), NEPA Alliance Business Finance Corporation (3), Northeast Bank (3), Newtek Bank, National Association (2). Volume says how active a lender is, nothing about terms or service.
How large are typical SBA loans in Columbia County?
The median 7(a) approval was $74K and the median 504 approval $867K; the Pennsylvania 7(a) median was $150K.
Which industries get the most SBA loans in Columbia County?
Restaurants and Other Eating Places (4); Residential Building Construction (4); Other Specialty Trade Contractors (3); Plastics Product Manufacturing (2); Services to Buildings and Dwellings (2).
Is SBA lending in Columbia County rising?
Approvals in the three latest complete fiscal years total 26, against 14 in the three before: rising (+86%).
How does Columbia County compare with the rest of Pennsylvania?
26.6 approvals per 1,000 establishments against 36.7 statewide, and 38 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