Best SBA Lenders in Harrisburg, PA (2026)
2025 FOIA data: top lenders, rates & industries for Harrisburg SBA loans
SBA Loans in Harrisburg, Pennsylvania
Looking for an SBA loan in Harrisburg, Pennsylvania? Based on 2025 FOIA data, 24 SBA 7(a) loans were funded in Harrisburg totaling $7.4M, supporting an estimated 401 jobs. With 12 active lenders competing for business in the Harrisburg market, comparing offers is essential to getting the best rate and terms.
The average SBA loan in Harrisburg is $308K at an average rate of 10.68%. The top lender in Harrisburg is Citizens Bank, National Association, with the most-funded industry being Child Day Care Services. See all Pennsylvania SBA lenders for statewide rankings.
SBA Loans in Harrisburg by Business Type
Whether you’re starting a new business in Harrisburg, buying an existing one, or expanding your current operation, here’s how SBA lending breaks down in your market:
Startups represent 10% of SBA loans in Harrisburg (3 loans funded in 2025), which tells you how comfortable local lenders are funding new ventures without established operating history. Business acquisitions account for 60% (4 loans) — if you’re looking to buy a business in Harrisburg, this is a proven use case for SBA financing. Existing businesses make up 19% and typically receive the most favorable terms.
Top SBA Lenders in Harrisburg, PA (2025 Data)
The table below ranks every SBA 7(a) lender that funded loans to Harrisburg businesses in 2025, ordered by total dollar volume. This data comes directly from SBA FOIA records:
| # | Lender | Volume | Loans | Avg Rate |
|---|---|---|---|---|
| 1 | Citizens Bank, National Association | $2.9M | 2 | 9.38% |
| 2 | Brookline Bank, a Division of Beacon Bank and Trust | $1.3M | 1 | 10% |
| 3 | Manufacturers and Traders Trust Company | $982K | 9 | 11.97% |
| 4 | Northwest Bank | $655K | 2 | 7.5% |
| 5 | Univest Bank and Trust Co | $485K | 1 | 9.75% |
| 6 | Newtek Bank, National Association | $350K | 1 | 10.5% |
| 7 | Truliant FCU | $300K | 1 | 10.25% |
| 8 | BayFirst National Bank | $150K | 1 | 12.75% |
| 9 | United Midwest Savings Bank National Association | $150K | 1 | 10.25% |
| 10 | Northeast Bank | $111K | 2 | 10.38% |
The top lenders in Harrisburg have direct experience with local businesses and understand the Harrisburg market — commercial real estate values, local industry dynamics, and regional economic conditions. Pay attention to the “Avg Rate” column, as rates vary significantly between lenders. A 0.5-1.0% rate difference on a $500K loan translates to $15,000-$30,000 in savings over the life of the loan.
Don’t limit your search to banks listed above — many national SBA lenders also fund loans in Harrisburg and may offer better rates. An SBA loan broker like GoSBA gives you access to both local and national lenders with one application.
Get Matched with the Best SBA Lender in Harrisburg
One 5-minute application. 12+ lenders competing for your deal. GoSBA matches you to the best fit — free, no obligation.
Top Industries Funded in Harrisburg
These are the industries that received the most SBA 7(a) funding in Harrisburg in 2025. If your business is in one of these sectors, lenders are already familiar with your business model and may offer faster approvals:
| Industry | Loans | Volume |
|---|---|---|
| Child Day Care Services | 3 | $3.2M |
| Wood Kitchen Cabinet and Countertop Manufacturing | 1 | $1.3M |
| Full-Service Restaurants | 3 | $1.2M |
| Drywall and Insulation Contractors | 1 | $485K |
| Home Health Care Services | 1 | $300K |
| Used Car Dealers | 1 | $150K |
| Residential Remodelers | 1 | $150K |
| Industrial Building Construction | 2 | $111K |
| Limited-Service Restaurants | 2 | $53K |
| Landscaping Services | 2 | $40K |
Lenders with experience funding your specific industry in Harrisburg understand the local competitive landscape, typical revenue ranges, and seasonal patterns. This familiarity often translates to faster underwriting and more competitive terms. If your industry doesn’t appear above, SBA loans are available for nearly every legal business type — an SBA broker can match you with lenders who specialize in your sector.
How to Get an SBA Loan in Harrisburg
Option 1: Apply directly to one of the top Harrisburg lenders listed above. You’ll receive a single quote from one bank.
Option 2: Use an SBA loan broker (recommended). GoSBA Loans submits your application to multiple Harrisburg-active lenders and national SBA lenders simultaneously. More offers means better rates, faster approvals, and zero cost to you — lenders pay the broker fee.
Frequently Asked Questions
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Can I get an SBA loan to start a business in Harrisburg?
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Data from SBA 7(a) FOIA records, Calendar Year 2025. Visit sba.gov for official info.
