Pennsylvania Department of Community and Economic Development

Tom Wolf, Governor
Dennis M. Davin, Secretary

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Small Business First (SBF)


This program has been consolidated and is now part of the Pennsylvania Industrial Development Authority (PIDA) loan program.

Please refer to the PIDA program page.

Go to PIDA page

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: 03/11/2015