PENNSYLVANIA · NAICS 713930
Pennsylvania marina and boat storage projects run along the Erie waterfront and the inland lake corridors around Wallenpaupack and Raystown. Studies translate slip mix, wet and dry storage, fuel and service revenue, and seasonal demand into projections, and reconcile dredging, riparian, and environmental conditions against the build plan.
FEASIBILITY TRIGGER
Marinas and boat storage are special-purpose under SOP 50 10 8, so a third-party feasibility study is normally required with an industry-experienced going-concern appraiser and elevated equity applies.
From FY2010 through FY2026, Pennsylvania recorded 3 SBA-disbursed marina and boat storage loans across the 7(a) and 504 programs, representing $259,000 in approved financing at an average loan size of $86,000. The state sits at rank #30 of 38 for marina and boat storage SBA lending volume and holds 0.1% of the national marina and boat storage dollar pool. 7(a) accounts for 100.0% of the count, 504 for the rest, with 0 fresh approvals dated FY2024 or later.
| Disbursed loans (FY2010–FY2026) | 3 |
| Approved volume | $259,000 |
| Average loan size | $86,000 |
| 7(a) share | 100.0% |
| Approvals since FY2024 | 0 |
| State rank by loan count | #30 of 38 |
The state-level seasoned cohort in this segment is below our publication threshold of 30 loans, so no state rate is shown. Nationally, seasoned marina and boat storage loans (approvals FY2010–FY2021) show an adverse-resolution rate of 3.0%, against 7.3% across all industries.
Source: SBA 7(a) and 504 FOIA loan-level data, as of March 31, 2026. Disbursed loans only. See data methodology.
An adverse-resolution rate of 3.0%, close to the national marina and boat storage benchmark of 3.0%, puts Pennsylvania deals in this class on ordinary SBA credit footing. Across 3 loans averaging $86,000, the underwriting question is deal-specific: a rigorous third-party feasibility study is where documented demand and stressed coverage decide the credit outcome.
Every Pennsylvania marinas and boat storage project we underwrite follows the same lender ready process: independent market analysis, site and technical review, and financial projections tested against SBA SOP 50 10 8 standards. Our SBA feasibility study consultants guide explains scope, timing, deliverables, and what lenders and CDCs expect in the report.
Pennsylvania projects most often pencil under SBA 504 because the 50/40/10 structure delivers up to 90 percent financing on owner-occupied real estate at a fixed debenture rate, and PIDA's low-interest second-mortgage loans stack directly behind the 504. SBA 7(a) covers acquisitions, working capital, and equipment, and from July 4, 2026 eligible borrowers can combine 7(a) and 504 for up to $10 million in total program credit.
The Erie waterfront and the inland lake corridors around Wallenpaupack and Raystown carry seasonal demand where winterized storage supports the off-season model.
For a national view of this asset class, see our marina and boat storage SBA feasibility overview, and read our related analysis in the marina and boat storage lending research on our blog.
Compare neighboring markets: Oregon, Rhode Island, Texas.
Public SBA and CDC program records, cited as program evidence
SBA 504 refinance with cash-out through TMC Financing and First Bank
Marina property, national program evidence
Alameda, Alameda County, California
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