PENNSYLVANIA · NAICS NAICS 484, 4885, 4931 families
Pennsylvania trucking and third-party logistics projects run along the I-78 and I-81 warehouse belt, one of the largest distribution corridors in the country. Studies translate rate per mile, fuel, utilization, and contract concentration into projections, and reconcile equipment, real estate, and working capital structures against coverage under stress.
FEASIBILITY TRIGGER
Trucking and logistics deals carry projection-sensitive underwriting; rate per mile, fuel, and contract concentration must be stress-tested.
From FY2010 through FY2026, Pennsylvania recorded 1,021 SBA-disbursed trucking and logistics loans across the 7(a) and 504 programs, representing $211.7 million in approved financing at an average loan size of $207,000. The state sits at rank #9 of 38 for trucking and logistics SBA lending volume and holds 2.4% of the national trucking and logistics dollar pool. 7(a) accounts for 97.9% of the count, 504 for the rest, with 177 fresh approvals dated FY2024 or later.
| Disbursed loans (FY2010–FY2026) | 1,021 |
| Approved volume | $211.7 million |
| Average loan size | $207,000 |
| 7(a) share | 97.9% |
| Approvals since FY2024 | 177 |
| State rank by loan count | #9 of 38 |
Among the 642 seasoned loans in this segment (approvals FY2010–FY2021), 12.1% reached adverse resolution — purchased, liquidated, or charged off. The national benchmark for trucking and logistics is 9.2%, against 7.3% across all industries. That performance runs above the national benchmark for this asset class, which is a factor lenders weigh in their credit decision.
Source: SBA 7(a) and 504 FOIA loan-level data, as of March 31, 2026. Disbursed loans only. See data methodology.
A 12.1% adverse-resolution rate against the national trucking and logistics benchmark of 9.2% tells credit committees to scrutinize revenue projections and coverage assumptions closely on Pennsylvania deals in this class. A rigorous third-party feasibility study — built on documented demand, defensible pricing, and stressed coverage — carries meaningful weight in that underwriting conversation, particularly at an average loan size of $207,000 across 1,021 loans.
Every Pennsylvania trucking and logistics 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 I-78 and I-81 warehouse belt anchors one of the largest distribution corridors in the country, within a day's drive of a third of U.S. consumers.
For a national view of this asset class, see our trucking and logistics SBA feasibility overview, and read our related analysis in the trucking and logistics lending research on our blog.
Compare neighboring markets: Oregon, Rhode Island, Texas.
Public SBA and CDC program records, cited as program evidence
Seedcopa-documented SBA 504 of $4,853,000 within an $11,866,000 project with Cross River Bank
Fiscal 2024 Seedcopa-documented financing
Wilkes-Barre, Luzerne County, Pennsylvania
Fifteen-minute scoping call, written proposal inside one business day, firm fixed fee before you sign.
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