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Pennsylvania, a state in the Northeastern United States, is home to over 12.7 million people. The state's economy is fueled by agriculture, energy production, and manufacturing. Major Pennsylvania industries include food production, transportation equipment, chemicals, and steel.

Pennsylvania's small businesses are the backbone of its economy, accounting for a large majority of businesses in the state. But new and growing businesses face many challenges, including access to capital.

AdvancePoint Capital is a leading provider of fast business loans for small businesses in Pennsylvania. We offer loans from $5,000 to $1,000,000, with funding as fast as 24 hours.

How Do I Get A
Small Business Loan in Pennsylvania?

There are a few different ways to get a small business loan in Pennsylvania. You can go through a traditional lender like a bank, or you can work with an online lender like AdvancePoint Capital.

Working with a traditional lender like a bank can be a long and frustrating process. Banks typically have lengthy application processes and require extensive documentation. They also have strict credit requirements, which can be difficult for new businesses to meet.

Online lenders like AdvancePoint Capital are a much faster and easier option for small businesses in Pennsylvania. We have a simple and straightforward application process, and we can fund your loan in as little as 24 hours. We also have less strict credit requirements, making it easier for new businesses to qualify.

The 9 Best
Financing Options and Resources for
Pennsylvania Small Businesses

small business loan

Small Business Loans for

SBA Loan

SBA Loans in

Merchant Cash Advance

Merchant Cash Advance in

Small Business Cash Advance

Business Cash Advance in

Business Line of Credit

Business Line of Credit in

Equipment Financing

Equipment Financing for

Invoice Financing

Invoice Financing in

Short-Term Business Loan

Short Term Small Business
Loans in Pennsylvania

Long Term Business Loans

Long Term Business Loans for

Pennsylvania Business Loans SBA Guide

U.S. Small Business Administration

How to Grow Your Business in Eastern Pennsylvania

View the Eastern Pennsylvania Small Business Resource Guide for information and assistance in growing your local business, exploring funding options, and contracting.

U.S. (SBA) U.S. Small Business Administration
Eastern Pennsylvania District Office

Find local assistance

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Why Does Your Pennsylvania Business Need a Business Loan?

The most common reasons Pennsylvania small businesses acquire capital for their business:

  • Working Capital   
  • Business Expansion
  • Equipment Purchases
  • Advertising/Marketing costs
  • Emergencies

PA Small Business Assistance, PA State Government Programs, PA and Federal Grants, Information and Other Opportunities for Pennsylvania Businesses

Pennsylvania Department of Community and Economic Development(DCED)– The PA Department of Community and Economic Development is a PA government agency whose mission is to encourage all Pennsylvanians’ shared prosperity by supporting good stewardship and sustainable development initiatives across our commonwealth. The Pennsylvania DCED acts as an advisor and advocate, providing strategic technical assistance, training, and financial resources to help our communities and industries flourish. 

Pennsylvania Department of Community and Economic Development (DCED) Small Business Assistance – Pennsylvania DCED Small Business Assistance is a one-stop-shop for small business assistance resources like planning, registering, operating, and growing a business. This allows business owners to work smart and live happily in Pennsylvania. 

one stop fact sheet

Pennsylvania Department of Community and Economic Development (DCED) Business One-Stop-Shop Fact Sheet– The fact sheet has an abundance of information and resources that outline small business assistance for everything from planning, development, and start-up to operating and expanding your small business.

entrepreneurs guide pa

Entrepreneur’s Guide Starting and Growing a Business in Pennsylvania– Download PA’s comprehensive small business assistance resource guide to help businesses launch in Pennsylvania. Here you’ll find expert small business assistance regarding building a business plan, registration, funding advice, and more information. Our e-guide is printer-friendly and eco-friendly!

pa vet resources

Business Resources for Veterans– Download the Veterans Resources Fact Sheet to learn how to start or grow your business in Pennsylvania. From technical and registration help to securing funding for businesses, the DCED team can help with valuable information.

diversity financing pa

The Pennsylvania Diverse Business Financing Initiative– This initiative is the Pennsylvania state government’s programs committed to promoting diversity, inclusion, and small business opportunities. The Diverse Financing Initiative consists of capitalizing revolving loan funds managed by local economic development service providers, including Certified Economic Development organizations (CEDOs) and Community Development Financing Institutions (CDFIs).

The Pennsylvania Coronavirus COVID-19 Relief Statewide Small Business Assistance – COVID-19 Small Business Grants– The COVID-19 public health crisis has impacted every Pennsylvanian in every community. The newly implemented state budget includes $2.6 billion in federal stimulus funds through the Coronavirus Aid, Relief, and Economic Security Act (CARES). The COVID-19 small business assistance program’s mission is to help small businesses impacted by COVID-19. The COVID-19 Relief Pennsylvania Statewide Small Business Assistance program provides grants ranging from $5,000 to $50,000 to small businesses that have been impacted by COVID-19. This is not a first-come, first-served program. The second application window will be the final opportunity to apply for the program to get funds to businesses in need as quickly as possible.

Within this allocation, the Department of Community and Economic Development has been allocated $225 million in COVID-19 relief funds. These funds will go to small businesses through distribution by Community Development Financial Institutions (CDFIs) through the Pennsylvania CDFI network. 

Pennsylvania Small Business Development Centers (SBDC) – While the PA SBDC does not provide government financing or loans, they provide you with the information and tools to finance your small business. It also provides information on SBA disaster loans available to small businesses in PA. 

Pennsylvania Association of Non-Profit Organizations (PANO) – Information on COVID-19 Funding Sources for Non-Profits

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Frequently Asked Questions

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