Seedcopa receives top ranking from SBA

Seedcopa + SeedcoDE has been ranked by the U.S. Small Business Administration as the No. 1 SBA 504 Lender in Eastern Pennsylvania.

This is the third consecutive year Seedcopa and SeedcoDE have achieved the ranking — attaining the most SBA 504 loans for small- to mid-sized businesses in the region. However, over the past 20 years, Seedcopa has been in the top spot numerous times.

Through its flagship SBA 504 loan program, Seedcopa helps businesses obtain government loans at below-market, fixed-interest rates for buying, building or improving owner-occupied commercial property or to purchase machinery and equipment, according to a press release.

In the past fiscal year, Seedcopa supported 46 small business owners in SBA 504 loans, according to year-end volume reports for the Small Business Administration’s Eastern Pennsylvania district office.

A statewide certified development company, Seedcopa has the ability to cover all counties in Pennsylvania. This year’s loans, however, spanned 10 counties including: Berks, Bucks, Chester, Delaware, Franklin, Lancaster, Lehigh, Montgomery, Philadelphia and York. Of the businesses that were assisted, 37% were minority owned, women owned or veteran owned.

The average SBA 504 loan was $896,217, while total SBA 504 loan projects were $41.2 million — about $4 million higher than in the previous fiscal year, according to the data.

In December 2022, across the country, the U.S. Small Business Administration’s 504 Program reached more than $100 billion in all-time loan fundings. The total impact, which includes financing from third party lenders, has supported more than $250 billion in local economic development.

SBA 504 is a fixed-rate loan program for small- to mid-sized business owners, and the loans often act as a “complement to conventional, commercial loans” that Seedcopa facilitates through local banks and credit unions, according to the release. Among the benefits are “a long-term, below-market fixed interest rate, less money out of pocket or extra consideration of lower appraised values.”

Typically, an SBA 504 loan structure requires a contribution from the business owner of 10%. A third-party lender, like a bank or credit union, contributes 50% of the project cost. The SBA-backed portion of the loan is 40%.

For more information about Seedcopa’s loan programs and success stories, visit


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