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Commercial Mortgage in Harrisburg, PA

Find lenders offering commercial mortgage in the Harrisburg, including York, Lancaster, Carlisle, 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 Harrisburg

47 lenders offering commercial mortgage in the Harrisburg, 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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Harrisburg Commercial Real Estate Market

Harrisburg's CRE market is underpinned by Pennsylvania's state government operations and an extensive healthcare and logistics sector along the I-81 and I-83 corridors. The Capital City's downtown has experienced a gradual renaissance with hotel conversions, restaurant openings, and residential loft projects along the Susquehanna riverfront. The West Shore suburban corridor through Camp Hill, Mechanicsburg, and Carlisle attracts corporate office users and medical tenants seeking lower occupancy costs. The broader Harrisburg-York-Lancaster region has become a major distribution corridor, with warehouse and logistics demand fueled by proximity to Mid-Atlantic population centers and favorable operating costs compared to the New Jersey Turnpike corridor.

Key Economic Drivers

  • Pennsylvania state government operations as the single largest employment anchor in the metro
  • I-81/I-83 logistics corridor supporting warehousing for UPS, FedEx, and Amazon distribution
  • Penn State Health Milton S. Hershey Medical Center and UPMC Pinnacle hospital network expansions
  • Hershey Company and adjacent tourism economy in Derry Township

Market Insight

The Harrisburg region's industrial vacancy rate has remained among the tightest in central Pennsylvania, driven by e-commerce distribution tenants who value the area's ability to reach one-third of the U.S. population within a one-day truck drive.

Commercial Mortgage in Harrisburg, 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 Harrisburg metro area, borrowers can access 47 lenders offering Commercial Mortgage financing, including York, Lancaster, Carlisle, 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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