Pennsylvania Small Business Loans

Types of Business Loans in Pennsylvania

Pennsylvania’s strong economy—powered by manufacturing, energy, healthcare, education, and technology—creates fertile ground for entrepreneurs. With diverse industries and active lenders, the state offers multiple Pennsylvania Small Business Loans designed to help owners expand operations and strengthen cash flow.

From traditional term loans to SBA-backed financing and equipment funding, business funding in Pennsylvania provides flexible solutions for growth. Here are five popular small business loan options to consider.

Equipment Financing

Many small business owners hear about equipment financing and think of big excavators and tractors. Yes, construction equipment is financeable – but so is a lot of other equipment. Big or small, basic or complicated, we provide small business owners with a fast and effective means to finance any type of equipment that they may need.

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Unsecured Business Loans

Rates so low that you will forget that you’re repaying it! Unsecured business loans require zero collateral but do require personal guarantees. Traditional bank rate financing with much quicker turnaround times. Want to expand, purchase inventory, hire employees, or refinance existing debt without having to wait 30 days?

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Merchant Cash Advance

Leverage your future sales in exchange for a lump sum of capital, today! Merchant Cash Advance are great for small businesses that need fast access to capital for new growth opportunities with little documentation required.

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SBA Loan

SBA loans are business loans guaranteed by the Small Business Administration. With their multiple SBA small business funding programs, this government agency provides SBA loan guarantees of up to 85% of the loan amount provided through an SBA-approved lender—typically banks.

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Business Line of Credit

Lines revolve and refresh, so any payments on principal made get added back to the available balance of the credit line. Business Line of Credit offers flexibility, good rates, and lack of restrictions which make it a good solution for any type of business, regardless of its industry.

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Startup Funding

Discover founder-friendly startup funding strategies—SBA loans, 0% credit hacks, grants & fast equipment financing. Launch smart, grow faster.

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How to Apply for a Pennsylvania Business Loan

Applying for a business loan in Pennsylvania is quick and hassle-free. Whether you need funding to expand, manage cash flow, or invest in equipment, our streamlined process ensures fast approvals and flexible terms. With just a few steps, you can secure the capital your business needs to grow.

Apply in Minutes

Fill out our simple online application in just a few minutes. Provide basic business details, financial information, and the loan amount you need. No lengthy paperwork required.

Get a Quick Decision

Our system quickly reviews your application and lets you know if you qualify for one or multiple funding options. Choose the best funding option based on your business needs and repayment preferences.

4: Receive Your Funds

Once approved, sign your agreement and access your funds—Sometimes as fast as the same day. Use your financing to grow, manage cash flow, or invest in new opportunities.

Best Banks for Business Loans in Pennsylvania

Securing the right business loan in Pennsylvania begins with choosing the right lender. Here are three top SBA lenders in Pennsylvania that can help support your small business needs:

PNC Bank

PNC Bank is one of the top SBA lenders in Pennsylvania, offering a variety of small business loan options to entrepreneurs. PNC provides SBA 7(a) loans, SBA 504 loans, and business term loans that help Pennsylvania businesses obtain the capital they need for expansion, purchasing equipment, or managing cash flow. Their dedicated business banking team works closely with clients to understand their unique needs and provide tailored financing solutions.
Citizens Bank

Citizens Bank is another leading SBA lender in Pennsylvania, offering a range of loan products to support small businesses. With a focus on customer service, Citizens Bank provides SBA 7(a) loans and business lines of credit, among other financing options. Their online application process is streamlined, allowing businesses to quickly access the funds they need to grow and succeed in Pennsylvania’s competitive market.
Wells Fargo

Wells Fargo offers various loan products for small businesses in Pennsylvania, including SBA loans, equipment financing, and business lines of credit. Wells Fargo’s reputation as a trusted lender is bolstered by its commitment to supporting small businesses in Pennsylvania. Their knowledgeable business bankers offer expert guidance and flexible financing options to help businesses in a wide range of industries succeed.

I appreciate the communication and knowledge the AMP team shared with me. I got the funding I needed in time and was able to pick up a big project I really wanted!

Matthew L.

It is an excellent company, the process to get funded was very easy and fast, and the customer service was very good 👍

Sebastián V.

Great customer service. Everyone was very friendly but still professional. They went the extra mile to help me get funding. They are awesome!

Stephanie D.

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Pennsylvania Businesses We Serve

Restaurants
Convenience Store
Chiropractors
Auto Repair
Beauty Salon
Home Healthcare
Pharmacy
Construction
Medical Services
Logistics
Daycare
Vape Store
Security Services
Legal Services
Staffing Services
CBD
E-commerce
Adult Stores
AND MORE

Pennsylvania Business Loans F.A.Q.

What types of small business loans are available in Pennsylvania?

Small business owners in Pennsylvania can access various loan options, including SBA 7(a) loans, SBA 504 loans, microloans, equipment financing, and lines of credit.

AMP Advance offers a comprehensive suite of these loan products, providing flexible financing solutions tailored to meet the needs of local businesses.

How can I qualify for a business loan in Pennsylvania with limited collateral?

Qualifying for a business loan with limited collateral is achievable through programs like SBA 7(a) and 504 loans, which offer flexibility and favorable terms. AMP Advance collaborates with these programs to assist businesses in securing necessary financing, even with limited collateral.

Are there state-specific loan programs for small businesses in Pennsylvania?

Yes, Pennsylvania offers state-specific loan programs to support small businesses. The Pennsylvania Department of Community and Economic Development (DCED) administers various loan, tax credit, and grant programs aimed at stimulating job creation and growth for existing and new companies in the state. AMP Advance works closely with these programs, providing businesses with access to funding opportunities that promote growth and success within Pennsylvania.