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County29th of 67 in Pennsylvania by approvalsFIPS 42075
SBA loans in Lebanon 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 Lebanon County, Pennsylvania, received 58 SBA loan approvals worth $25.0M in FY2021 to FY2025 (57 7(a), 1 504).
That is 20.6 approvals per 1,000 business establishments (2,811 establishments in 2023), below the Pennsylvania figure of 36.7 and below the national 41.0.
It ranks 29th of 67 Pennsylvania counties with approvals. In FY2025 there were 16, about level with FY2024.
24 lenders had approvals here; the most active were Manufacturers and Traders Trust Company (16), Newtek Bank, National Association (5) and BayFirst National Bank (5). 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 Lebanon County
By number of approvals to businesses in the county, FY2021–FY2025; 24 lenders had at least one.
| # | Lender | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Manufacturers and Traders Trust CompanyBuffalo, NY | 16 | $4.2M | 27.6% | |
| 2 | Newtek Bank, National AssociationMiami, FL | 5 | $1.6M | 8.6% | |
| 3 | BayFirst National BankSaint Petersburg, FL | 5 | $634K | 8.6% | |
| 4 | Fulton Bank, National AssociationLancaster, PA | 3 | $3.1M | 5.2% | |
| 5 | Northeast BankLewiston, ME | 3 | $121K | 5.2% | |
| 6 | Newtek Small Business Finance, Inc.Lake Success, NY | 2 | — | 3.4% | |
| 7 | Grasshopper Bank National AssociationNew York, NY | 2 | — | 3.4% | |
| 8 | Mid Penn BankMillersburg, PA | 2 | — | 3.4% | |
| 9 | First Merchants BankIndianapolis, IN | 2 | — | 3.4% | |
| 10 | Lendistry SBLC, LLCLos Angeles, CA | 2 | — | 3.4% | |
| 11 | Readycap Lending, LLCBerkeley Heights, NJ | 2 | — | 3.4% | |
| 12 | Wells Fargo Bank National AssociationSioux Falls, SD | 2 | — | 3.4% | |
| 13 | Burke & Herbert Bank & Trust CompanyAlexandria, VA | 1 | — | 1.7% | |
| 14 | Truliant FCUWinston-Salem, NC | 1 | — | 1.7% | |
| 15 | Beacon Bank and TrustBrookline, MA | 1 | — | 1.7% |
Industries
| # | Industry group (NAICS 4-digit) | Approvals | Share | |
|---|---|---|---|---|
| 1 | Restaurants and Other Eating PlacesNAICS 7225 | 5 | 8.6% | |
| 2 | Services to Buildings and DwellingsNAICS 5617 | 4 | 6.9% | |
| 3 | General Freight TruckingNAICS 4841 | 4 | 6.9% | |
| 4 | Building Material and Supplies DealersNAICS 4441 | 3 | 5.2% | |
| 5 | Residential Building ConstructionNAICS 2361 | 3 | 5.2% | |
| 6 | Offices of PhysiciansNAICS 6211 | 3 | 5.2% | |
| 7 | Drycleaning and Laundry ServicesNAICS 8123 | 3 | 5.2% | |
| 8 | Freight Transportation ArrangementNAICS 4885 | 2 | 3.4% | |
| 9 | Other Personal ServicesNAICS 8129 | 2 | 3.4% | |
| 10 | Foundation, Structure, and Building Exterior ContractorsNAICS 2381 | 2 | 3.4% |
Sectors
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Retail Trade | 9 | 15.5% | |
| 2 | Construction | 7 | 12.1% | |
| 3 | Administrative and Support and Waste Management and Remediation Services | 7 | 12.1% | |
| 4 | Transportation and Warehousing | 6 | 10.3% | |
| 5 | Other Services (except Public Administration) | 6 | 10.3% | |
| 6 | Accommodation and Food Services | 5 | 8.6% | |
| 7 | Health Care and Social Assistance | 5 | 8.6% | |
| 8 | Manufacturing | 4 | 6.9% |
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* | 6 | $4.3M | $219K | 1 | — | 7 | 86 |
| FY2025 | 16 | $4.7M | $101K | 0 | — | 16 | 161 |
| FY2024 | 17 | $3.4M | $100K | 0 | — | 17 | 90 |
| FY2023 | 13 | $8.1M | $250K | 0 | — | 13 | 158 |
| FY2022 | 8 | $7.0M | $150K | 0 | — | 8 | 30 |
| FY2021 | 3 | $1.3M | $150K | 1 | — | 4 | 30 |
| FY2020 | 8 | $1.6M | $36K | 0 | — | 8 | 77 |
| FY2019 | 10 | $2.3M | $89K | 0 | — | 10 | 32 |
| FY2018 | 16 | $11.5M | $350K | 1 | — | 17 | 236 |
| FY2017 | 3 | $733K | $125K | 1 | — | 4 | 22 |
| FY2016 | 11 | $8.2M | $25K | 0 | — | 11 | 71 |
In FY2016–FY2020, the five fiscal years before the current window, the county had 50 approvals.
Against Pennsylvania and the country
| FY2021–FY2025 | Lebanon County | Pennsylvania | United States |
|---|---|---|---|
| Approvals | 58 | 11,283 | 342,825 |
| Approvals per 1,000 establishments | 20.6 | 36.7 | 41.0 |
| Median 7(a) approval | $150K | $150K | $190K |
| Median 504 approval | — | $607K | $657K |
| Average approval | $430K | $482K | $573K |
| 504 share of approvals | 1.7% | 6.5% | 11.0% |
| Jobs supported per approval, as reported | 8.1 | 10.3 | 10.5 |
| Share of state approvals | 0.5% | 100.0% | — |
Approval sizes
- $50,000 or less22.4%13
- $50,001 to $150,00032.8%19
- $150,001 to $350,00015.5%9
- $350,001 to $1 million20.7%12
- $1 million to $2 million3.4%2
- Over $2 million5.2%3
Age of the businesses
- Existing, more than 2 years old62.1%36
- New business, 2 years or less5.2%3
- Startup, loan funds will open the business13.8%8
- Change of ownership19.0%11
Questions and answers
Which lenders make the most SBA loans in Lebanon County?
By approvals in FY2021 to FY2025: Manufacturers and Traders Trust Company (16), Newtek Bank, National Association (5), BayFirst National Bank (5), Fulton Bank, National Association (3), Northeast Bank (3). Volume says how active a lender is, nothing about terms or service.
How large are typical SBA loans in Lebanon County?
The median 7(a) approval was $150K; the Pennsylvania 7(a) median was $150K.
Which industries get the most SBA loans in Lebanon County?
Restaurants and Other Eating Places (5); Services to Buildings and Dwellings (4); General Freight Trucking (4); Building Material and Supplies Dealers (3); Residential Building Construction (3).
Is SBA lending in Lebanon County rising?
Approvals in the three latest complete fiscal years total 46, against 20 in the three before: rising (+130%).
How does Lebanon County compare with the rest of Pennsylvania?
20.6 approvals per 1,000 establishments against 36.7 statewide, and 58 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