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County5th of 67 in Pennsylvania by approvalsFIPS 42045
SBA loans in Delaware 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 Delaware County, Pennsylvania, received 611 SBA loan approvals worth $307M in FY2021 to FY2025 (589 7(a), 22 504).
That is 46.4 approvals per 1,000 business establishments (13,165 establishments in 2023), above the Pennsylvania figure of 36.7 and close to the national 41.0.
It ranks 5th of 67 Pennsylvania counties with approvals. In FY2025 there were 156, about level with FY2024.
78 lenders had approvals here; the most active were TD Bank, National Association (128), Wilmington Savings Fund Society FSB (49) and Meridian Bank (44). 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 Delaware County
By number of approvals to businesses in the county, FY2021–FY2025; 78 lenders had at least one.
| # | Lender | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | TD Bank, National AssociationWilmington, DE | 128 | $13.6M | 20.9% | |
| 2 | Wilmington Savings Fund Society FSBWilmington, DE | 49 | $33.1M | 8.0% | |
| 3 | Meridian BankMalvern, PA | 44 | $28.1M | 7.2% | |
| 4 | Manufacturers and Traders Trust CompanyBuffalo, NY | 41 | $5.7M | 6.7% | |
| 5 | The Huntington National BankColumbus, OH | 29 | $13.8M | 4.7% | |
| 6 | Newtek Bank, National AssociationMiami, FL | 22 | $13.1M | 3.6% | |
| 7 | Northeast BankLewiston, ME | 21 | $2.5M | 3.4% | |
| 8 | Live Oak Banking CompanyWilmington, NC | 17 | $21.4M | 2.8% | |
| 9 | Wells Fargo Bank National AssociationSioux Falls, SD | 17 | $944K | 2.8% | |
| 10 | Firstrust Savings BankConshohocken, PA | 16 | $25.0M | 2.6% | |
| 11 | KeyBank National AssociationCleveland, OH | 15 | $445K | 2.5% | |
| 12 | PNC Bank, National AssociationWilmington, DE | 13 | $2.8M | 2.1% | |
| 13 | South Eastern Economic Development Company of PennsylvaniaExton, PA · CDC | 12 | $11.2M | 2.0% | |
| 14 | BayFirst National BankSaint Petersburg, FL | 11 | $2.0M | 1.8% | |
| 15 | Readycap Lending, LLCBerkeley Heights, NJ | 11 | $1.6M | 1.8% |
Industries
| # | Industry group (NAICS 4-digit) | Approvals | Share | |
|---|---|---|---|---|
| 1 | Restaurants and Other Eating PlacesNAICS 7225 | 50 | 8.2% | |
| 2 | Services to Buildings and DwellingsNAICS 5617 | 28 | 4.6% | |
| 3 | Personal Care ServicesNAICS 8121 | 27 | 4.4% | |
| 4 | Building Equipment ContractorsNAICS 2382 | 26 | 4.3% | |
| 5 | Automotive Repair and MaintenanceNAICS 8111 | 21 | 3.4% | |
| 6 | Offices of Other Health PractitionersNAICS 6213 | 21 | 3.4% | |
| 7 | Child Day Care ServicesNAICS 6244 | 19 | 3.1% | |
| 8 | Residential Building ConstructionNAICS 2361 | 18 | 2.9% | |
| 9 | Other Specialty Trade ContractorsNAICS 2389 | 17 | 2.8% | |
| 10 | Building Finishing ContractorsNAICS 2383 | 15 | 2.5% |
Sectors
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Construction | 93 | 15.2% | |
| 2 | Other Services (except Public Administration) | 71 | 11.6% | |
| 3 | Professional, Scientific, and Technical Services | 67 | 11.0% | |
| 4 | Health Care and Social Assistance | 65 | 10.6% | |
| 5 | Accommodation and Food Services | 60 | 9.8% | |
| 6 | Retail Trade | 58 | 9.5% | |
| 7 | Administrative and Support and Waste Management and Remediation Services | 47 | 7.7% | |
| 8 | Manufacturing | 30 | 4.9% |
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* | 60 | $40.6M | $300K | 1 | — | 61 | 682 |
| FY2025 | 152 | $78.5M | $225K | 4 | $4.8M | 156 | 1,911 |
| FY2024 | 149 | $75.8M | $169K | 4 | $3.8M | 153 | 1,741 |
| FY2023 | 115 | $49.0M | $102K | 4 | $4.4M | 119 | 1,109 |
| FY2022 | 96 | $37.9M | $150K | 7 | $5.0M | 103 | 1,430 |
| FY2021 | 77 | $46.8M | $315K | 3 | $1.3M | 80 | 943 |
| FY2020 | 58 | $29.8M | $275K | 5 | $2.9M | 63 | 769 |
| FY2019 | 90 | $32.9M | $163K | 2 | — | 92 | 1,240 |
| FY2018 | 115 | $45.1M | $100K | 2 | — | 117 | 1,036 |
| FY2017 | 134 | $47.9M | $140K | 4 | $6.9M | 138 | 1,448 |
| FY2016 | 104 | $33.7M | $100K | 4 | $2.1M | 108 | 1,009 |
In FY2016–FY2020, the five fiscal years before the current window, the county had 518 approvals.
Against Pennsylvania and the country
| FY2021–FY2025 | Delaware County | Pennsylvania | United States |
|---|---|---|---|
| Approvals | 611 | 11,283 | 342,825 |
| Approvals per 1,000 establishments | 46.4 | 36.7 | 41.0 |
| Median 7(a) approval | $200K | $150K | $190K |
| Median 504 approval | $737K | $607K | $657K |
| Average approval | $503K | $482K | $573K |
| 504 share of approvals | 3.6% | 6.5% | 11.0% |
| Jobs supported per approval, as reported | 11.7 | 10.3 | 10.5 |
| Share of state approvals | 5.4% | 100.0% | — |
Approval sizes
- $50,000 or less27.2%166
- $50,001 to $150,00019.0%116
- $150,001 to $350,00017.2%105
- $350,001 to $1 million23.2%142
- $1 million to $2 million8.7%53
- Over $2 million4.7%29
Age of the businesses
- Existing, more than 2 years old55.8%341
- New business, 2 years or less20.6%126
- Startup, loan funds will open the business14.7%90
- Change of ownership8.8%54
Questions and answers
Which lenders make the most SBA loans in Delaware County?
By approvals in FY2021 to FY2025: TD Bank, National Association (128), Wilmington Savings Fund Society FSB (49), Meridian Bank (44), Manufacturers and Traders Trust Company (41), The Huntington National Bank (29). Volume says how active a lender is, nothing about terms or service.
How large are typical SBA loans in Delaware County?
The median 7(a) approval was $200K and the median 504 approval $737K; the Pennsylvania 7(a) median was $150K.
Which industries get the most SBA loans in Delaware County?
Restaurants and Other Eating Places (50); Services to Buildings and Dwellings (28); Personal Care Services (27); Building Equipment Contractors (26); Automotive Repair and Maintenance (21).
Is SBA lending in Delaware County rising?
Approvals in the three latest complete fiscal years total 428, against 246 in the three before: rising (+74%).
How does Delaware County compare with the rest of Pennsylvania?
46.4 approvals per 1,000 establishments against 36.7 statewide, and 611 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