Business Finance Center

Loans from $10,000 to $5.5 Million

Borrowers-SignatureThe NEPA Business Finance Center, through its pool of federal, state and local funds, provides low-interest loans to qualified small businesses. Interest rates range from 1% to 4% and are fixed throughout the term of the loan — regardless of any upward movement in prime lending rates.

The objective is to provide financing to help small business create/retain jobs, attract additional investment from banks and other sources of private and public funding. Loans through this Program offer repayment terms standard in today’s credit markets. Generally, loans are used to supplement other financing by providing up to 50% of the loan amount with maximum of $5.5 million.

NEPA also provides affordable microloans for entrepreneurs, start-up enterprises and small businesses that can provide up to 90% financing with a minimum loan of $10,000 and a maximum loan of $25,000.


  • Attractive pricing / low, fixed interest rates
  • Lower down payments
  • Standard loan term maturities

Eligible business sectors include:

  • Manufacturers
  • Industrial
  • Agriculture/Agribusiness
  • Hospitality Related / Tourism Related Enterprises
  • Recyclers
  • Day Care
  • Computer Related Services
  • Advanced Technology
  • Retail
  • Service Related Businesses
  • And many other business sectors may also qualify

Business Finance Logo

The NEPA Business Finance Center operates the following loan programs:

  • Federal Loan Programs
    • Appalachian Regional Commission Revolving Loan Fund Program
    • Economic Development Administration (Tri-District & NEPA Loan Fund Program)
    • Rural Development – IRP Programs
  • State Loan Programs
    • Small Business First
    • First Industries Tourism
    • First Industries Agriculture
  • Micro Loan Programs
    • Lackawanna County Loan Fund
    • Small Business Administration Micro Loan Program
    • Rural Development Micro Loan Program

SBA 504 Program

The most recent program added to the NEPA financing products is the SBA 504 Program. This program offers long term, market based, fixed rate, subordinate financing for fixed assets. The 504 Program provides 40% financing with a maximum loan of $5.5 million dollars. Eligible small businesses must have less than 500 employees and meet income and net worth thresholds. A wide variety of business sectors are eligible for loan consideration. Additional information is located at

Staff Contacts

Stephen Ursich – Vice President, Business Development Services Division
Dave Nat – Business Finance Manager
Donovan Klem – Business Finance Manager
James Urso – Business Finance Specialist
Joseph Ward – Business Finance Specialist

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