Pennsylvania Department of Community and Economic Development

Tom Wolf, Governor

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Small Business First (SBF)


Download the guidelines for a complete understanding of the program and the requirements.

Download Guidelines


Funding for small businesses, including:

  • low-interest loan financing for land & building acquisition and construction
  • machinery and equipment purchases
  • working capital


  • land and building acquisition & construction
  • machinery and equipment purchase and upgrades
  • working capital


Loans up to $200,000 or 50 percent of total eligible project costs, whichever is less.

Maximum loan amount for working capital is $100,000 or 50 percent of total eligible project costs, whichever is less.


A for-profit small business (100 full-time employees or less) which are:

  • manufacturing
  • industrial
  • agricultural enterprises
  • research and development
  • construction
  • computer-related services
  • hotels, motels, or restaurants
  • municipal or commercial recyclers
  • defense-related
  • child day-care


Interest rate is fixed at 3.5% until December 31, 2014.

  • $25,000 cost per full-time job retained or created
  • Up to 15-year term, for land and building
  • Up to 10-year term for machinery and equipment
  • Up to three-year term for working capital

Interest rate is fixed and is based on market conditions.

How to Apply

Area Loan Organizations

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The page was last modified: 10/01/2014