Lenders › NEPA Alliance Business Finance Corporation
7(a) lenderPittston, Pennsylvanianon-bank 7(a) lender471st of 2,184 by approvals
NEPA Alliance Business Finance Corporation
SBA 7(a) loan approvals by fiscal year, where they went, how large they were, and how loans from earlier years turned out.
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.
NEPA Alliance Business Finance Corporation (Pittston, Pennsylvania) is a non-bank 7(a) lender in the SBA 7(a) program, 471st of 2,184 by approvals in FY2021 to FY2025: 56 loans worth $8.4M.
In FY2025, the latest complete fiscal year, it had 24 approvals totalling $3.8M, about level with FY2024 (23). FY2026 to 30 Jun 2026 adds 8 more.
The median approval was $139K, against $190K for the 7(a) program as a whole; 62.5% of its approvals were for $150,000 or less (program: 47.8%).
Its loans went to businesses in 1 state or territory and 15 counties, led by Pennsylvania (100.0%). The largest industry group was accommodation and food services at 19.6% of approvals, and 8.9% of approvals were to franchise businesses.
NEPA Alliance Business Finance Corporation has fewer than 30 disbursed loans from the FY2010 to FY2021 approval years on record, too few for a charge-off rate to be shown.
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. Loans appear under the lender they are assigned to today, so a lender's figures include loans it took over. Data through 30 Jun 2026.
Approvals by fiscal year
| Fiscal year | Approvals | Dollars approved | Median approval | Average approval | Jobs supported, as reported |
|---|---|---|---|---|---|
| FY2026* | 8 | $1.4M | $140K | $180K | 35 |
| FY2025 | 24 | $3.8M | $142K | $158K | 113 |
| FY2024 | 23 | $4.0M | $190K | $175K | 193 |
| FY2023 | 9 | $558K | $65K | $62K | 104 |
| FY2022 | 0 | — | — | — | 0 |
| FY2021 | 0 | — | — | — | 0 |
| FY2020 | 0 | — | — | — | 0 |
| FY2019 | 0 | — | — | — | 0 |
| FY2018 | 0 | — | — | — | 0 |
| FY2017 | 0 | — | — | — | 0 |
| FY2016 | 0 | — | — | — | 0 |
Approvals are counted in the year SBA approved them and include approvals later cancelled. In the five fiscal years before the current window (FY2016–FY2020) the lender had 0 approvals. First approval on file: FY2023.
How earlier loans turned out
Only loans approved at least five fiscal years ago (FY2010–FY2021) are counted, because newer loans have had little time to be paid in full or charged off. "Charged off" is SBA's status for a loan on which it has written off the remaining balance.
| Loans approved FY2010–FY2021 | This lender | Pennsylvania | 7(a) program |
|---|---|---|---|
| Approvals in these years | 0 | 20,449 | 639,905 |
| Cancelled or never disbursed | 0 | 2,853 | 79,313 |
| Disbursed loans | 0 | 17,596 | 560,592 |
| Paid in full | 0 | 13,626 | 435,813 |
| Charged off | 0 | 1,040 | 36,891 |
| Still outstanding (status exempt from disclosure) | 0 | 2,930 | 87,888 |
| Charged off, share of disbursed loans | too few loans | 5.9% | 6.6% |
| Dollars charged off, share of disbursed dollars | too few loans | 2.6% | 2.5% |
| Dollars charged off | — | $171M | $5.70bn |
Against the 7(a) program
| FY2021–FY2025 | This lender | 7(a) program |
|---|---|---|
| Median approval | $139K | $190K |
| Average approval | $150K | $518K |
| Approvals of $150,000 or less | 62.5% | 47.8% |
| Approvals to startups and businesses 2 years old or less | 35.7% | 34.3% |
| Approvals to franchise businesses | 8.9% | 11.5% |
| Jobs supported per approval, as reported | 7.3 | 10.5 |
| Charged off, loans approved FY2010–FY2021 | too few loans | 6.6% |
States served
| # | State of the business (1 in all) | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Pennsylvania | 56 | $8.4M | 100.0% |
In Pennsylvania the lender accounts for 0.5% of all 7(a) approvals in FY2021–FY2025.
Counties served
| # | County of the business (15 in all) | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Luzerne County, PA | 17 | $2.4M | 30.4% | |
| 2 | Lackawanna County, PA | 15 | $2.2M | 26.8% | |
| 3 | Pike County, PA | 4 | $408K | 7.1% | |
| 4 | Wayne County, PA | 3 | $508K | 5.4% | |
| 5 | Schuylkill County, PA | 3 | $443K | 5.4% | |
| 6 | Monroe County, PA | 3 | $390K | 5.4% | |
| 7 | Northumberland County, PA | 2 | — | 3.6% | |
| 8 | Carbon County, PA | 2 | — | 3.6% | |
| 9 | Lehigh County, PA | 1 | — | 1.8% | |
| 10 | Northampton County, PA | 1 | — | 1.8% | |
| 11 | Montgomery County, PA | 1 | — | 1.8% | |
| 12 | Philadelphia County, PA | 1 | — | 1.8% |
Industry mix
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Accommodation and Food Services | 11 | 19.6% | |
| 2 | Retail Trade | 9 | 16.1% | |
| 3 | Manufacturing | 9 | 16.1% | |
| 4 | Other Services (except Public Administration) | 6 | 10.7% | |
| 5 | Professional, Scientific, and Technical Services | 4 | 7.1% | |
| 6 | Administrative and Support and Waste Management and Remediation Services | 4 | 7.1% | |
| 7 | Arts, Entertainment, and Recreation | 3 | 5.4% | |
| 8 | Construction | 3 | 5.4% |
| # | Industry group | Approvals | Share | |
|---|---|---|---|---|
| 1 | Printing and Related Support ActivitiesNAICS 3231 | 4 | 7.1% | |
| 2 | Restaurants and Other Eating PlacesNAICS 7225 | 4 | 7.1% | |
| 3 | Special Food ServicesNAICS 7223 | 3 | 5.4% | |
| 4 | Personal Care ServicesNAICS 8121 | 3 | 5.4% | |
| 5 | Services to Buildings and DwellingsNAICS 5617 | 3 | 5.4% | |
| 6 | Drinking Places (Alcoholic Beverages)NAICS 7224 | 2 | 3.6% | |
| 7 | Traveler AccommodationNAICS 7211 | 2 | 3.6% | |
| 8 | Other Miscellaneous RetailersNAICS 4599 | 2 | 3.6% | |
| 9 | Beverage ManufacturingNAICS 3121 | 2 | 3.6% | |
| 10 | Legal ServicesNAICS 5411 | 2 | 3.6% |
Approval sizes
- $50,000 or less12.5%7
- $50,001 to $150,00050.0%28
- $150,001 to $350,00037.5%21
Loan terms
- Over 5 to 10 years96.4%54
- Over 10 to 20 years3.6%2
Age of the businesses
- Existing, more than 2 years old57.1%32
- New business, 2 years or less16.1%9
- Startup, loan funds will open the business19.6%11
- Change of ownership7.1%4
SBA processing method
| # | Method | Approvals | Share | |
|---|---|---|---|---|
| 1 | 7a General | 56 | 100.0% |
Franchise share
5 of 56 approvals in FY2021–FY2025 (8.9%) carried an SBA franchise code; across the 7(a) program the share is 11.5%.
| # | Franchise brand | Approvals | Share | |
|---|---|---|---|---|
| 1 | Garage Kings | 1 | 1.8% | |
| 2 | Minuteman Press | 1 | 1.8% | |
| 3 | Waxing the City | 1 | 1.8% | |
| 4 | Carquest | 1 | 1.8% | |
| 5 | Great Clips | 1 | 1.8% |
Questions and answers
How many SBA loans does NEPA Alliance Business Finance Corporation make?
SBA approved 24 7(a) loans through NEPA Alliance Business Finance Corporation in FY2025, worth $3.8M, and 56 over FY2021 to FY2025. That ranks 471st of 2,184 active 7(a) lenders by number of approvals.
How large are NEPA Alliance Business Finance Corporation's typical SBA loans?
The median 7(a) approval in FY2021 to FY2025 was $139K and the average $150K. The program-wide median was $190K.
What is NEPA Alliance Business Finance Corporation's charge-off rate?
NEPA Alliance Business Finance Corporation has fewer than 30 disbursed loans from the FY2010 to FY2021 approval years on record, too few for a charge-off rate to be shown. Loans are listed under the lender that holds them today, so the figure includes loans taken over from other lenders. Status is as recorded by SBA on 30 Jun 2026.
Which industries does NEPA Alliance Business Finance Corporation lend to most?
By number of approvals in FY2021 to FY2025: printing and related support activities (4); restaurants and other eating places (4); special food services (3); personal care services (3).
Where does NEPA Alliance Business Finance Corporation make SBA loans?
In 1 state or territory. Pennsylvania 56. In Pennsylvania it accounts for 0.5% of all 7(a) approvals.
Is NEPA Alliance Business Finance Corporation's SBA lending rising?
Volumes are too small to compare periods.
Where does this data come from?
From the Small Business Administration's 7(a) and 504 FOIA loan files, as of 30 Jun 2026. Borrower names and addresses in those files are discarded when the files are read and appear nowhere on this site.
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. Dollar figures behind fewer than three approvals are not shown, and no borrower is named anywhere on this site.Methodology · Report an error