GOOD
How competitive are their spreads? Lower = better for you.
GOOD
Total SBA loans closed. More deals = more experience.
GOOD
How many industries do they lend in? More = flexible.
WEAK
States where they've done deals. Wider = easier if you're out of state.
Total SBA Loans
175
2010–2026
Total Volume
$157M
Gross loan amounts
States Active
2
With recorded loans
Programs
504
174 total segments
EDC Finance Corporation specializes in 504 loans, which make up 100% of their deals. This focus can benefit borrowers seeking real estate financing, as they are not distracted by 7(a) loans.
With an average deal size of $899,793, EDC Finance is well-suited for medium-sized projects. Borrowers with needs around this amount may find a good fit here, especially since 48 of their deals fall within the $500K-$1M range.
EDC Finance has seen a significant decline in their growth trend, with a -29% year-over-year drop in deals. This may indicate a tightening of lending standards, making it potentially more challenging for new applicants to get approved.
Quarterly SBA lending activity, last 5 years.
Estimated spreads based on real historical SBA lending data. Directional, not exact quotes. Excludes 174 504 loans, which use fixed SBA debenture rates.
States where EDC Finance Corporation has recorded SBA lending activity.
Lending activity by industry cluster.
Top 8 of 15 industries by deal count
Manufacturing
Manufacturing
Restaurants & Food Service
Accommodation & Food Services
Auto Repair & Maintenance
Other Services
Hotels & Accommodation
Accommodation & Food Services
Food & Beverage Stores
Retail Trade
Wholesale Trade
Wholesale Trade
Other Professional Services
Professional Services
Physician & Dental Offices
Health Care & Social Assistance
+ 7 more
All recorded SBA lending activity for EDC Finance Corporation, grouped by state, industry, and deal size.
| Segment | Program | Deals↓ | Median Spread | Avg Size | Last Deal |
|---|---|---|---|---|---|
| Pennsylvania · Manufacturing · $500K – $1M | 504 | 10 | — | $697K | Q1 2023 |
| Pennsylvania · Manufacturing · $2M – $5M | 504 | 9 | — | $3.0M | Q1 2025 |
| Pennsylvania · Manufacturing · $1M – $2M | 504 | 8 | — | $1.3M | Q4 2022 |
| Pennsylvania · Manufacturing · $350K – $500K | 504 | 7 | — | $411K | Q4 2017 |
| Pennsylvania · Restaurants & Food Service · $500K – $1M | 504 | 7 | — | $662K | Q4 2022 |
| Pennsylvania · Hotels & Accommodation · $1M – $2M | 504 | 5 | — | $1.4M | Q2 2015 |
| Pennsylvania · Restaurants & Food Service · $150K – $350K | 504 | 5 | — | $258K | Q2 2023 |
| Pennsylvania · Restaurants & Food Service · $350K – $500K | 504 | 5 | — | $429K | Q3 2023 |
| Pennsylvania · Food & Beverage Stores · $500K – $1M | 504 | 4 | — | $639K | Q3 2021 |
| Pennsylvania · Auto Repair & Maintenance · $500K – $1M | 504 | 4 | — | $635K | Q4 2019 |
| Pennsylvania · Engineering & Architecture · $150K – $350K | 504 | 4 | — | $277K | Q4 2018 |
| Pennsylvania · Auto Dealers & Parts · $150K – $350K | 504 | 3 | — | $262K | Q1 2017 |
| Pennsylvania · Building Construction · $150K – $350K | 504 | 3 | — | $287K | Q2 2014 |
| Pennsylvania · Specialty Trade Contractors · $150K – $350K | 504 | 3 | — | $261K | Q1 2019 |
| Pennsylvania · General Merchandise · $150K – $350K | 504 | 3 | — | $230K | Q4 2019 |
| Pennsylvania · Other Professional Services · $1M – $2M | 504 | 3 | — | $1.6M | Q4 2020 |
| Pennsylvania · Administrative & Waste Services · $150K – $350K | 504 | 3 | — | $302K | Q3 2014 |
| Pennsylvania · Food & Beverage Stores · $150K – $350K | 504 | 2 | — | $261K | Q3 2017 |
| Pennsylvania · Wholesale Trade · $1M – $2M | 504 | 2 | — | $1.3M | Q1 2024 |
| Pennsylvania · Wholesale Trade · $2M – $5M | 504 | 2 | — | $3.6M | Q2 2021 |
| Pennsylvania · Wholesale Trade · $350K – $500K | 504 | 2 | — | $483K | Q1 2020 |
| Pennsylvania · Retail Trade · $500K – $1M | 504 | 2 | — | $536K | Q2 2021 |
| Pennsylvania · Transportation & Warehousing · $2M – $5M | 504 | 2 | — | $3.4M | Q2 2022 |
| Pennsylvania · Transportation & Warehousing · $350K – $500K | 504 | 2 | — | $371K | Q3 2022 |
| Pennsylvania · Information & Media · $1M – $2M | 504 | 2 | — | $1.4M | Q3 2021 |
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Real experiences from borrowers who closed SBA loans with EDC Finance Corporation.
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