States › Pennsylvania › Schuylkill County
County27th of 67 in Pennsylvania by approvalsFIPS 42107
SBA loans in Schuylkill 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 79 loans to businesses in Schuylkill County, Pennsylvania, in FY2021 to FY2025, worth $32.2M: 78 under 7(a) and 1 under 504.
That is 29.2 approvals per 1,000 business establishments (2,705 establishments in 2023), below the Pennsylvania figure of 36.7 and below the national 41.0.
It ranks 27th of 67 Pennsylvania counties with approvals. In FY2025 there were 30, up 88% on FY2024.
22 lenders had approvals here; the most active were Manufacturers and Traders Trust Company (34), Mid Penn Bank (14) and Live Oak Banking Company (3). The most common industry was beer, wine, and liquor stores.
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 Schuylkill County
By number of approvals to businesses in the county, FY2021–FY2025; 22 lenders had at least one.
| # | Lender | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Manufacturers and Traders Trust CompanyBuffalo, NY | 34 | $1.8M | 43.0% | |
| 2 | Mid Penn BankMillersburg, PA | 14 | $11.3M | 17.7% | |
| 3 | Live Oak Banking CompanyWilmington, NC | 3 | $2.1M | 3.8% | |
| 4 | NEPA Alliance Business Finance CorporationPittston, PA | 3 | $443K | 3.8% | |
| 5 | Northeast BankLewiston, ME | 3 | $325K | 3.8% | |
| 6 | Newtek Small Business Finance, Inc.Lake Success, NY | 2 | — | 2.5% | |
| 7 | Peapack Private Bank and TrustBedminster, NJ | 2 | — | 2.5% | |
| 8 | Wayne BankHonesdale, PA | 2 | — | 2.5% | |
| 9 | Beacon Bank and TrustBrookline, MA | 2 | — | 2.5% | |
| 10 | Santander Bank, National AssociationWilmington, DE | 2 | — | 2.5% | |
| 11 | Empire State Certified Development CorporationLatham, NY · CDC | 1 | — | 1.3% | |
| 12 | Burke & Herbert Bank & Trust CompanyAlexandria, VA | 1 | — | 1.3% | |
| 13 | United Midwest Savings Bank National AssociationDe Graff, OH | 1 | — | 1.3% | |
| 14 | Fidelity Deposit and Discount BankDunmore, PA | 1 | — | 1.3% | |
| 15 | Fulton Bank, National AssociationLancaster, PA | 1 | — | 1.3% |
Industries
| # | Industry group (NAICS 4-digit) | Approvals | Share | |
|---|---|---|---|---|
| 1 | Beer, Wine, and Liquor StoresNAICS 4453 | 8 | 10.1% | |
| 2 | Services to Buildings and DwellingsNAICS 5617 | 8 | 10.1% | |
| 3 | Automotive Repair and MaintenanceNAICS 8111 | 5 | 6.3% | |
| 4 | Other Specialty Trade ContractorsNAICS 2389 | 4 | 5.1% | |
| 5 | Other Personal ServicesNAICS 8129 | 4 | 5.1% | |
| 6 | Child Day Care ServicesNAICS 6244 | 3 | 3.8% | |
| 7 | Death Care ServicesNAICS 8122 | 3 | 3.8% | |
| 8 | Building Equipment ContractorsNAICS 2382 | 3 | 3.8% | |
| 9 | Offices of Other Health PractitionersNAICS 6213 | 3 | 3.8% | |
| 10 | Offices of DentistsNAICS 6212 | 2 | 2.5% |
Sectors
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Retail Trade | 14 | 17.7% | |
| 2 | Other Services (except Public Administration) | 14 | 17.7% | |
| 3 | Administrative and Support and Waste Management and Remediation Services | 11 | 13.9% | |
| 4 | Construction | 10 | 12.7% | |
| 5 | Health Care and Social Assistance | 9 | 11.4% | |
| 6 | Wholesale Trade | 5 | 6.3% | |
| 7 | Manufacturing | 5 | 6.3% | |
| 8 | Professional, Scientific, and Technical Services | 5 | 6.3% |
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* | 20 | $5.8M | $68K | 0 | — | 20 | 157 |
| FY2025 | 30 | $10.2M | $130K | 0 | — | 30 | 183 |
| FY2024 | 15 | $2.5M | $50K | 1 | — | 16 | 173 |
| FY2023 | 15 | $4.9M | $90K | 0 | — | 15 | 138 |
| FY2022 | 7 | $4.9M | $60K | 0 | — | 7 | 51 |
| FY2021 | 11 | $6.5M | $370K | 0 | — | 11 | 102 |
| FY2020 | 6 | $1.6M | $128K | 2 | — | 8 | 51 |
| FY2019 | 9 | $1.4M | $150K | 0 | — | 9 | 17 |
| FY2018 | 15 | $10.4M | $143K | 1 | — | 16 | 132 |
| FY2017 | 15 | $2.2M | $100K | 1 | — | 16 | 149 |
| FY2016 | 14 | $2.3M | $45K | 0 | — | 14 | 57 |
In FY2016–FY2020, the five fiscal years before the current window, the county had 63 approvals.
Against Pennsylvania and the country
| FY2021–FY2025 | Schuylkill County | Pennsylvania | United States |
|---|---|---|---|
| Approvals | 79 | 11,283 | 342,825 |
| Approvals per 1,000 establishments | 29.2 | 36.7 | 41.0 |
| Median 7(a) approval | $89K | $150K | $190K |
| Median 504 approval | — | $607K | $657K |
| Average approval | $408K | $482K | $573K |
| 504 share of approvals | 1.3% | 6.5% | 11.0% |
| Jobs supported per approval, as reported | 8.2 | 10.3 | 10.5 |
| Share of state approvals | 0.7% | 100.0% | — |
Approval sizes
- $50,000 or less35.4%28
- $50,001 to $150,00021.5%17
- $150,001 to $350,00010.1%8
- $350,001 to $1 million26.6%21
- $1 million to $2 million1.3%1
- Over $2 million5.1%4
Age of the businesses
- Existing, more than 2 years old59.5%47
- New business, 2 years or less17.7%14
- Startup, loan funds will open the business8.9%7
- Change of ownership13.9%11
Questions and answers
Which lenders make the most SBA loans in Schuylkill County?
By approvals in FY2021 to FY2025: Manufacturers and Traders Trust Company (34), Mid Penn Bank (14), Live Oak Banking Company (3), NEPA Alliance Business Finance Corporation (3), Northeast Bank (3). Volume says how active a lender is, nothing about terms or service.
How large are typical SBA loans in Schuylkill County?
The median 7(a) approval was $89K; the Pennsylvania 7(a) median was $150K.
Which industries get the most SBA loans in Schuylkill County?
Beer, Wine, and Liquor Stores (8); Services to Buildings and Dwellings (8); Automotive Repair and Maintenance (5); Other Specialty Trade Contractors (4); Other Personal Services (4).
Is SBA lending in Schuylkill County rising?
Approvals in the three latest complete fiscal years total 61, against 26 in the three before: rising (+135%).
How does Schuylkill County compare with the rest of Pennsylvania?
29.2 approvals per 1,000 establishments against 36.7 statewide, and 79 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