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Commercial Mortgage in Allentown, PA

Find lenders offering commercial mortgage in the Allentown, including Bethlehem, Easton, and surrounding areas. Compare rates, terms, and programs from 47 lenders.

Lenders
47
Typical Rate
6% - 8%
Down Payment
20-30%
Term
5-30 years (often 5-10 year terms with 25-30 year amortization)
Closing Time
30-60 days

Commercial Mortgage Lenders Serving Allentown

47 lenders offering commercial mortgage in the Allentown, PA area.

First Commonwealth Bank

Local SBA

Indiana, PA

Pennsylvania-based community bank offering SBA 7(a) loans, commercial real estate, equipment financing, and business lines of credit. Serves small businesses across Pennsylvania and Ohio.

52 SBA loans
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First National Bank of Pennsylvania

Local SBA

GREENVILLE, PA

One of the oldest banks in the U.S., offering SBA 7(a) loans, commercial real estate, equipment financing, and business lines of credit. Serves businesses across Pennsylvania, Ohio, Maryland, and surrounding states.

34 SBA loans
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Firstrust Savings Bank

Local SBA

CONSHOHOCKEN, PA

Conshohocken, Pennsylvania-based bank offering SBA 7(a) loans, commercial real estate, and business banking. Family-owned bank serving the greater Philadelphia area since 1934.

18 SBA loans
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Quaint Oak Bank

Local SBA

Southampton, PA

Southampton, Pennsylvania-based community bank offering SBA 7(a) loans, commercial real estate, and residential lending. A growing community bank serving businesses in the greater Philadelphia region.

15 SBA loans
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Fulton Bank, National Association

Local SBA

LANCASTER, PA

Lancaster, Pennsylvania-based regional bank offering SBA 7(a) loans, commercial real estate, equipment financing, and business lines of credit. Serves businesses across Pennsylvania, New Jersey, Maryland, Delaware, and Virginia.

26 SBA loans
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Live Oak Banking Company

SBA

WILMINGTON, NC

One of the nation's top SBA 7(a) lenders, specializing in lending to small businesses across healthcare, veterinary, beverage, self-storage, and other industries. Offers SBA loans, USDA loans, conventional business loans, and commercial real estate financing.

628 SBA loans
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The Huntington National Bank

SBA

COLUMBUS, OH

Major regional bank and consistently one of the top SBA lenders in the country by number of loans. Offers SBA 7(a) and 504 loans alongside conventional business lending, commercial real estate, and treasury management services.

1337 SBA loans
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Newtek Bank, National Association

SBA

Miami, FL

Technology-driven SBA preferred lender providing 7(a) loans to small and medium-sized businesses nationwide. Part of Newtek Business Services Corp, offering integrated business solutions including lending, payments, and technology services.

1039 SBA loans
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U.S. Bank, National Association

SBA

Cincinnati, OH

Fifth-largest commercial bank in the U.S. and a top SBA preferred lender. Offers SBA 7(a) and 504 loans, conventional commercial lending, commercial real estate, and a full suite of business banking products.

846 SBA loans
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Celtic Bank Corporation

SBA

SALT LAKE CITY, UT

Industrial bank and top SBA preferred lender headquartered in Salt Lake City. Specializes in SBA 7(a) lending for business acquisitions, partner buyouts, commercial real estate, and working capital. Also offers USDA business loans.

442 SBA loans
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US Metro Bank

SBA

GARDEN GROVE, CA

Community bank serving Southern California's diverse business community. A top SBA 7(a) lender specializing in commercial real estate and business acquisition loans, with particular strength in the Korean-American business community.

85 SBA loans
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Readycap Lending, LLC

SBA

BERKELEY HEIGHTS, NJ

Non-bank SBA preferred lender offering SBA 7(a) and 504 loans nationwide. Specializes in commercial real estate, business acquisition, and expansion financing for small businesses. Known for fast closings and flexible underwriting.

563 SBA loans
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GBank

SBA

LAS VEGAS, NV

Fast-growing community bank based in Las Vegas and a top SBA preferred lender. Specializes in SBA 7(a) loans for hospitality, gas stations, convenience stores, and commercial real estate acquisition.

54 SBA loans
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Wells Fargo Bank National Association

SBA

Sioux Falls, SD

One of the largest banks in the U.S. and a major SBA preferred lender. Offers the full range of SBA programs including 7(a) and 504 loans, alongside conventional commercial lending, commercial real estate, and equipment financing.

220 SBA loans
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First Internet Bank of Indiana

SBA

FISHERS, IN

Nation's first state-chartered, FDIC-insured internet bank and a top SBA preferred lender. Offers SBA 7(a) loans, conventional commercial lending, franchise financing, and healthcare practice loans nationwide.

106 SBA loans
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Allentown Commercial Real Estate Market

The Lehigh Valley market centered on Allentown, Bethlehem, and Easton has become one of the hottest industrial and warehouse markets in the Northeast, driven by its proximity to New York City and access to I-78 and I-476. The creation of the Neighborhood Improvement Zone (NIZ) in downtown Allentown redirected tax revenues to fund nearly $1 billion in new development, including the PPL Center arena and surrounding office towers. Bethlehem's SteelStacks arts campus and the redeveloped Bethlehem Steel site have attracted mixed-use and hospitality investment. The region's warehouse and distribution pipeline has been among the largest in Pennsylvania, with Amazon, FedEx, and third-party logistics providers leasing millions of square feet along the Route 22 and I-78 corridors.

Key Economic Drivers

  • Lehigh Valley's I-78 and I-476 logistics corridor serving as a distribution hub for the New York metro area
  • Allentown's Neighborhood Improvement Zone (NIZ) tax incentive driving downtown office and mixed-use development
  • Lehigh Valley Health Network and St. Luke's University Health Network expanding medical campuses
  • Amazon, FedEx, and major 3PL fulfillment center concentration along Route 22

Market Insight

The Allentown Neighborhood Improvement Zone allows businesses within its 128-acre boundary to redirect virtually all state and local taxes generated within the zone toward financing their building projects, making it one of the most aggressive CRE incentive programs in the country.

Commercial Mortgage in Allentown, Pennsylvania

Conventional commercial mortgages provide long-term financing for stabilized, income-producing commercial properties. Offered by banks, credit unions, and institutional lenders with competitive rates for qualified borrowers and properties. In the Allentown metro area, borrowers can access 47 lenders offering Commercial Mortgage financing, including Bethlehem, Easton, and surrounding areas. Loan amounts typically range from $250K to $50M with rates from 6% - 8%.

Who Should Consider Commercial Mortgage?

  • Stabilized income properties
  • Long-term holds
  • Refinancing
  • Experienced investors

Key Requirements

  • Stabilized property with income history
  • DSCR ≥ 1.20-1.25
  • LTV ≤ 75-80%
  • Borrower experience and liquidity

Advantages

  • Lower rates than bridge/hard money
  • Longer terms
  • Predictable payments
  • Build equity over time

Considerations

  • Stricter underwriting
  • Longer closing timeline
  • Prepayment penalties
  • Recourse may be required

Commercial Mortgage in Other Pennsylvania Cities

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