STRONG
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
204
2014–2026
Total Volume
$131M
Gross loan amounts
States Active
2
With recorded loans
Programs
7(a) & 504
204 total segments
NEPA Alliance Business Finance is a strong choice for real estate financing, as 71% of their deals are 504 loans, significantly higher than the national average of 18%. This indicates a focus on funding property-related projects, which is ideal for borrowers looking to purchase or refinance real estate.
With an average 7(a) spread of P+2.11%, NEPA offers competitive pricing compared to the national median of P+2.75%. This could result in lower interest payments for borrowers seeking 7(a) loans, making it a cost-effective option for financing.
The lender's focus is primarily on existing businesses, with 66% of their deals supporting established companies. If you're a startup or looking to acquire a business, be aware that they may have fewer options tailored to your needs.
Quarterly SBA lending activity, last 5 years.
Estimated spreads based on real historical SBA lending data. Directional, not exact quotes. Excludes 144 504 loans, which use fixed SBA debenture rates.
States where NEPA Alliance Business Finance has recorded SBA lending activity.
Lending activity by industry cluster.
Top 8 of 15 industries by deal count
Restaurants & Food Service
Accommodation & Food Services
Manufacturing
Manufacturing
Hotels & Accommodation
Accommodation & Food Services
Arts, Entertainment & Recreation
Arts, Entertainment & Recreation
Miscellaneous Retail
Retail Trade
Administrative & Waste Services
Administrative & Waste Services
Wholesale Trade
Wholesale Trade
Food & Beverage Stores
Retail Trade
+ 7 more
All recorded SBA lending activity for NEPA Alliance Business Finance, grouped by state, industry, and deal size.
| Segment | Program | Deals↓ | Median Spread | Avg Size | Last Deal |
|---|---|---|---|---|---|
| Pennsylvania · Restaurants & Food Service · $150K – $350K | 504 | 14 | — | $247K | Q4 2025 |
| Pennsylvania · Restaurants & Food Service · Under $150K | 7(a) | 9 | P+2.25% | $98K | Q4 2025 |
| Pennsylvania · Manufacturing · Under $150K | 7(a) | 8 | P+2.00% | $77K | Q4 2025 |
| Pennsylvania · Hotels & Accommodation · $2M – $5M | 504 | 7 | — | $3.7M | Q2 2025 |
| Pennsylvania · Manufacturing · $150K – $350K | 504 | 6 | — | $255K | Q1 2023 |
| Pennsylvania · Arts, Entertainment & Recreation · $350K – $500K | 504 | 6 | — | $409K | Q3 2025 |
| Pennsylvania · Hotels & Accommodation · $350K – $500K | 504 | 4 | — | $418K | Q4 2021 |
| Pennsylvania · Miscellaneous Retail · Under $150K | 7(a) | 4 | P+2.00% | $86K | Q4 2024 |
| Pennsylvania · Administrative & Waste Services · Under $150K | 7(a) | 4 | P+2.00% | $87K | Q4 2024 |
| Pennsylvania · Manufacturing · $500K – $1M | 504 | 4 | — | $564K | Q4 2024 |
| Pennsylvania · Manufacturing · $2M – $5M | 504 | 4 | — | $3.0M | Q2 2024 |
| Pennsylvania · Restaurants & Food Service · $500K – $1M | 504 | 4 | — | $705K | Q3 2025 |
| Pennsylvania · Restaurants & Food Service · $350K – $500K | 504 | 4 | — | $472K | Q3 2025 |
| Pennsylvania · Social Assistance · $150K – $350K | 504 | 3 | — | $238K | Q3 2021 |
| Pennsylvania · Manufacturing · $350K – $500K | 504 | 3 | — | $395K | Q2 2025 |
| Pennsylvania · Hotels & Accommodation · $150K – $350K | 504 | 3 | — | $284K | Q1 2024 |
| Pennsylvania · Real Estate · $350K – $500K | 504 | 3 | — | $394K | Q2 2024 |
| Pennsylvania · Arts, Entertainment & Recreation · $150K – $350K | 504 | 2 | — | $250K | Q4 2023 |
| Pennsylvania · Manufacturing · $150K – $350K | 7(a) | 2 | P+2.25% | $227K | Q3 2025 |
| Pennsylvania · Arts, Entertainment & Recreation · $150K – $350K | 7(a) | 2 | P+2.00% | $241K | Q1 2025 |
| Pennsylvania · Food & Beverage Stores · $150K – $350K | 504 | 2 | — | $223K | Q4 2021 |
| Pennsylvania · Food & Beverage Stores · $1M – $2M | 504 | 2 | — | $1.6M | Q3 2022 |
| Pennsylvania · Miscellaneous Retail · $500K – $1M | 504 | 2 | — | $538K | Q2 2023 |
| Pennsylvania · Accounting & Tax · $150K – $350K | 504 | 2 | — | $248K | Q4 2022 |
| Pennsylvania · Other Professional Services · $500K – $1M | 504 | 2 | — | $734K | Q1 2024 |
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Real experiences from borrowers who closed SBA loans with NEPA Alliance Business Finance.
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