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County16th of 67 in Pennsylvania by approvalsFIPS 42079
SBA loans in Luzerne 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 Luzerne County, Pennsylvania, received 231 SBA loan approvals worth $108M in FY2021 to FY2025 (204 7(a), 27 504).
That is 32.0 approvals per 1,000 business establishments (7,212 establishments in 2023), close to the Pennsylvania figure of 36.7 and below the national 41.0.
It ranks 16th of 67 Pennsylvania counties with approvals. In FY2025 there were 60, up 11% on FY2024.
48 lenders had approvals here; the most active were Manufacturers and Traders Trust Company (56), NEPA Alliance Business Finance Corporation (17) and NEPA Alliance Business Finance Corporation (16). 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 Luzerne County
By number of approvals to businesses in the county, FY2021–FY2025; 48 lenders had at least one.
| # | Lender | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Manufacturers and Traders Trust CompanyBuffalo, NY | 56 | $4.9M | 24.2% | |
| 2 | NEPA Alliance Business Finance CorporationPittston, PA | 17 | $2.4M | 7.4% | |
| 3 | NEPA Alliance Business Finance CorporationPittston, PA · CDC | 16 | $9.3M | 6.9% | |
| 4 | PS BankWyalusing, PA | 14 | $2.4M | 6.1% | |
| 5 | The Huntington National BankColumbus, OH | 13 | $3.2M | 5.6% | |
| 6 | Fidelity Deposit and Discount BankDunmore, PA | 9 | $2.7M | 3.9% | |
| 7 | Mid Penn BankMillersburg, PA | 7 | $3.3M | 3.0% | |
| 8 | PNC Bank, National AssociationWilmington, DE | 7 | $485K | 3.0% | |
| 9 | Empire State Certified Development CorporationLatham, NY · CDC | 6 | $9.6M | 2.6% | |
| 10 | Community Bank, National AssociationCanton, NY | 6 | $1.6M | 2.6% | |
| 11 | BayFirst National BankSaint Petersburg, FL | 6 | $883K | 2.6% | |
| 12 | Metro City BankDoraville, GA | 5 | $9.6M | 2.2% | |
| 13 | FinWise BankSandy, UT | 5 | $4.3M | 2.2% | |
| 14 | Northeast BankLewiston, ME | 5 | $860K | 2.2% | |
| 15 | Newtek Bank, National AssociationMiami, FL | 4 | $705K | 1.7% |
Industries
| # | Industry group (NAICS 4-digit) | Approvals | Share | |
|---|---|---|---|---|
| 1 | Restaurants and Other Eating PlacesNAICS 7225 | 27 | 11.7% | |
| 2 | Offices of Other Health PractitionersNAICS 6213 | 8 | 3.5% | |
| 3 | Personal Care ServicesNAICS 8121 | 8 | 3.5% | |
| 4 | General Freight TruckingNAICS 4841 | 7 | 3.0% | |
| 5 | Management, Scientific, and Technical Consulting ServicesNAICS 5416 | 7 | 3.0% | |
| 6 | Traveler AccommodationNAICS 7211 | 6 | 2.6% | |
| 7 | Automotive Repair and MaintenanceNAICS 8111 | 6 | 2.6% | |
| 8 | Services to Buildings and DwellingsNAICS 5617 | 6 | 2.6% | |
| 9 | Residential Building ConstructionNAICS 2361 | 6 | 2.6% | |
| 10 | Other Specialty Trade ContractorsNAICS 2389 | 5 | 2.2% |
Sectors
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Accommodation and Food Services | 43 | 18.6% | |
| 2 | Retail Trade | 31 | 13.4% | |
| 3 | Other Services (except Public Administration) | 25 | 10.8% | |
| 4 | Transportation and Warehousing | 24 | 10.4% | |
| 5 | Construction | 20 | 8.7% | |
| 6 | Health Care and Social Assistance | 19 | 8.2% | |
| 7 | Administrative and Support and Waste Management and Remediation Services | 17 | 7.4% | |
| 8 | Professional, Scientific, and Technical Services | 16 | 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* | 44 | $13.4M | $113K | 4 | $8.0M | 48 | 277 |
| FY2025 | 55 | $21.9M | $80K | 5 | $8.3M | 60 | 662 |
| FY2024 | 49 | $13.8M | $135K | 5 | $5.7M | 54 | 452 |
| FY2023 | 29 | $11.1M | $150K | 6 | $5.2M | 35 | 283 |
| FY2022 | 39 | $13.4M | $126K | 6 | $9.3M | 45 | 306 |
| FY2021 | 32 | $17.5M | $120K | 5 | $1.9M | 37 | 386 |
| FY2020 | 21 | $11.8M | $173K | 5 | $3.0M | 26 | 238 |
| FY2019 | 34 | $10.5M | $123K | 1 | — | 35 | 232 |
| FY2018 | 35 | $16.0M | $100K | 3 | $2.8M | 38 | 482 |
| FY2017 | 33 | $5.8M | $65K | 0 | — | 33 | 214 |
| FY2016 | 50 | $15.9M | $98K | 1 | — | 51 | 697 |
In FY2016–FY2020, the five fiscal years before the current window, the county had 183 approvals.
Against Pennsylvania and the country
| FY2021–FY2025 | Luzerne County | Pennsylvania | United States |
|---|---|---|---|
| Approvals | 231 | 11,283 | 342,825 |
| Approvals per 1,000 establishments | 32.0 | 36.7 | 41.0 |
| Median 7(a) approval | $109K | $150K | $190K |
| Median 504 approval | $408K | $607K | $657K |
| Average approval | $468K | $482K | $573K |
| 504 share of approvals | 11.7% | 6.5% | 11.0% |
| Jobs supported per approval, as reported | 9.0 | 10.3 | 10.5 |
| Share of state approvals | 2.0% | 100.0% | — |
Approval sizes
- $50,000 or less30.3%70
- $50,001 to $150,00021.6%50
- $150,001 to $350,00021.6%50
- $350,001 to $1 million16.5%38
- $1 million to $2 million4.3%10
- Over $2 million5.6%13
Age of the businesses
- Existing, more than 2 years old55.8%129
- New business, 2 years or less12.6%29
- Startup, loan funds will open the business16.5%38
- Change of ownership15.2%35
Questions and answers
Which lenders make the most SBA loans in Luzerne County?
By approvals in FY2021 to FY2025: Manufacturers and Traders Trust Company (56), NEPA Alliance Business Finance Corporation (17), NEPA Alliance Business Finance Corporation (16), PS Bank (14), The Huntington National Bank (13). Volume says how active a lender is, nothing about terms or service.
How large are typical SBA loans in Luzerne County?
The median 7(a) approval was $109K and the median 504 approval $408K; the Pennsylvania 7(a) median was $150K.
Which industries get the most SBA loans in Luzerne County?
Restaurants and Other Eating Places (27); Offices of Other Health Practitioners (8); Personal Care Services (8); General Freight Trucking (7); Management, Scientific, and Technical Consulting Services (7).
Is SBA lending in Luzerne County rising?
Approvals in the three latest complete fiscal years total 149, against 108 in the three before: rising (+38%).
How does Luzerne County compare with the rest of Pennsylvania?
32.0 approvals per 1,000 establishments against 36.7 statewide, and 231 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