SBA lending data · fiscal year 2025
40 lenders funded full-service restaurants in Pennsylvania last year
123 SBA 7(a) loans approved under NAICS 722511. Median approval $245,000, median term 120 months, median initial rate 10.25%.
What was actually approved
Half of all approvals in this industry and state fell between $77,500 and $500,000. A request well outside that band is not impossible — it draws more scrutiny on collateral and management experience.
The most active lenders
Ranked by how many loans each actually approved in this industry and state — not by advertising spend. A lender that has written twenty of these already knows the questions to ask.
- 1Northeast Bank13 loans · $2.8M
- 2Manufacturers and Traders Trust Company12 loans · $1.9M
- 3Northwest Bank9 loans · $5M
- 4KeyBank National Association9 loans · $5.8M
- 5TD Bank, National Association8 loans · $3.3M
- 6Newtek Bank, National Association7 loans · $1.7M
- 7Wilmington Savings Fund Society FSB6 loans · $6.4M
- 8Readycap Lending, LLC6 loans · $1.6M
- 9First Commonwealth Bank5 loans · $2M
- 10The Huntington National Bank5 loans · $0.7M
- 11PS Bank5 loans · $1.1M
- 12Beacon Bank and Trust3 loans · $5.5M
This list is not a recommendation and these lenders have no relationship with this site. It reports approvals recorded in U.S. Small Business Administration, FOIA 7(a) and 504 loan approval data (data.sba.gov), fiscal year 2025, as of 2026-06-30.
Is this industry getting easier or harder to finance?
| Fiscal year | Loans | Lenders | Median approval |
|---|---|---|---|
| FY2023 | 105 | 33 | $120,000 |
| FY2024 | 112 | 44 | $150,000 |
| FY2025 | 123 | 40 | $245,000 |
Only completed fiscal years are shown. The SBA fiscal year ends 30 September; a partial year compared against full ones makes any industry look like it is closing.
Where this comes from
The SBA publishes every approved 7(a) and 504 loan under FOIA: the lender, the borrower's state, the industry code, the amount, the term and the initial rate. We indexed 4 fiscal years of it, alongside Census and BLS data. Figures on this page are as published on 2026-06-30.
This page reports approvals. It says nothing about how many applications were declined, and it is not a prediction about yours. This site is not affiliated with, endorsed by, or approved by the U.S. Small Business Administration.
Other industries in Pennsylvania
- Limited-Service Restaurants · 89 loans
- Residential Remodelers · 82 loans
- Landscaping Services · 72 loans
- Fitness and Recreational Sports Centers · 65 loans
- Plumbing, Heating, and Air-Conditioning Contractors · 65 loans
- General Freight Trucking, Local · 54 loans
- Child Care Services · 53 loans
- Snack and Nonalcoholic Beverage Bars · 53 loans
Full-Service Restaurants in other states
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