SBA 504 Loans in Allentown, PA
Find lenders offering sba 504 loans in the Allentown, including Bethlehem, Easton, and surrounding areas. Compare rates, terms, and programs from 21 lenders.
SBA 504 Lenders Serving Allentown
21 lenders offering sba 504 loans in the Allentown, PA area.
Regional Development Funding Corporation
Local SBAPittsburgh, PA
EDC Finance Corporation
Local SBALancaster, PA
NEPA Alliance Business Finance Corporation
Local SBAPittston, PA
Live Oak Banking Company
SBAWILMINGTON, 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.
The Huntington National Bank
SBACOLUMBUS, 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.
U.S. Bank, National Association
SBACincinnati, 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.
Readycap Lending, LLC
SBABERKELEY 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.
Wells Fargo Bank National Association
SBASioux 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.
Byline Bank
SBACHICAGO, IL
Chicago-based bank and one of the top SBA 7(a) lenders in the Midwest. Provides SBA loans, commercial real estate financing, equipment loans, and government-guaranteed lending for small and mid-sized businesses.
Manufacturers and Traders Trust Company
SBABUFFALO, NY
M&T Bank is a major regional bank and one of the top SBA lenders by loan count in the Northeast. Offers SBA 7(a), Express, and 504 loans alongside a full range of commercial banking, commercial real estate, and small business products.
Enterprise Bank & Trust
SBACLAYTON, MO
Midwest-based bank and top SBA preferred lender. Offers SBA 7(a) and 504 loans, conventional commercial lending, commercial real estate financing, and specialty lending for industries like healthcare and professional services.
Cadence Bank
SBATUPELO, MS
Regional bank serving the Southeast and Texas, and an active SBA preferred lender. Offers SBA 7(a) and 504 loans, commercial real estate lending, equipment financing, and full-service business banking.
KeyBank National Association
SBACLEVELAND, OH
Major regional bank and SBA preferred lender with nationwide commercial banking operations. Offers SBA 7(a) and 504 loans, conventional business lending, commercial real estate, equipment finance, and capital markets services.
Empire State Certified Development Corporation
SBALatham, NY
New York-based Certified Development Company (CDC) specializing in SBA 504 loans. Provides long-term, fixed-rate financing for commercial real estate and heavy equipment acquisition for small businesses in New York.
United Community Bank
SBAGreenville, SC
Regional bank serving the Southeast and an SBA preferred lender. Offers SBA 7(a) and 504 loans, conventional commercial lending, commercial real estate, equipment financing, and comprehensive business banking.
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.
SBA 504 Loans in Allentown, Pennsylvania
SBA 504 loans provide long-term, fixed-rate financing for major fixed assets like commercial real estate and heavy equipment. The loan is split between a bank (50%), a Certified Development Company (40%), and your down payment (10%), resulting in below-market rates on the CDC portion. In the Allentown metro area, borrowers can access 21 lenders offering SBA 504 financing, including Bethlehem, Easton, and surrounding areas. Loan amounts typically range from $125K to $17M with rates from Below market (CDC portion ~5-6%).
Who Should Consider SBA 504 Loans?
- Owner-occupied commercial real estate
- Heavy equipment purchase
- Business expansion
- New construction
Key Requirements
- For-profit business
- Net worth under $15M
- Average net income under $5M (after taxes) for prior 2 years
- 51%+ owner occupancy
- Create or retain jobs (1 per $90,000 CDC)
Advantages
- ✓Only 10% down payment
- ✓Below-market fixed rate on CDC portion
- ✓Long terms (20-25 years for RE)
- ✓No balloon payments
Considerations
- •Must be owner-occupied (51%+ for existing, 60%+ for new construction)
- •Cannot be used for working capital
- •Longer closing timeline
- •Two closings (bank + CDC)
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