PA · 136 financed acquisitions
$144MCapital deployed
Montgomery County, Pennsylvania
136 businesses here were bought with SBA 7(a) acquisition financing since FY2019, carrying $144M of bank debt. The median deal was financed with $604,750 over 10 years at 7.75%.
Volume and price
What businesses in Montgomery County financed by an SBA 7(a) acquisition loan actually cost, and how many of them there were.
Source: SBA 7(a) FOIA loan-level extract, change-of-ownership approvals, FY2019 onward. Data as of 30 June 2026. n = 136 financed acquisitions.
| Size band | Acquisitions | Share |
|---|---|---|
| Under $250k | 31 | 22.8% |
| $250k to $500k | 32 | 23.5% |
| $500k to $1M | 25 | 18.4% |
| $1M to $2M | 25 | 18.4% |
| $2M to $3.5M | 16 | 11.8% |
| $3.5M to $5M | 3 | 2.2% |
| $5M and above | 4 | 2.9% |
| All | 136 | 100.0% |
The 7(a) programme caps a single loan at $5M, so the top band is a ceiling of the instrument, not of the market. Deals above it are financed conventionally and do not appear in this file at all.
How the paper was structured
Loan terms here are not spread smoothly. They spike at exactly ten years and again at exactly twenty-five, with very little in between. Those two points are the programme's maturity ceilings, and which one applies depends on what secures the loan, so a term running past ten years indicates real property was financed alongside the business.
| Term | What it indicates | Acquisitions | Share |
|---|---|---|---|
| Under 10 years | Shorter than the goodwill maximum | 10 | 7.4% |
| Exactly 10 years | The standard goodwill-only note | 103 | 75.7% |
| 10 to 20 years | Mixed collateral | 6 | 4.4% |
| 20 years and over | Real property financed with the business | 17 | 12.5% |
75.7% of loans here run exactly ten years and 12.5% run twenty years or more. n = 136 loans with a recorded term.
What happened next
Two outcomes are visible in the file: approvals that never funded, and funded loans that later charged off. Both are facts about deals, not forecasts.
The charge-off share is cumulative as of 30 June 2026 for loans approved in FY2019-FY2021. Those loans are five to seven years into terms that are usually ten years, so the figure is a floor and the lifetime rate will be higher. It is not comparable to a rate computed over a fully matured cohort, and the site does not publish one for later years for that reason.
By fiscal year
* FY2026 is incomplete. The extract closes 30 June 2026, nine months into a fiscal year that ends 30 September, and some FY2026 approvals have not yet disbursed. Do not read the last column as a decline.
What gets bought here
| Sector | Acquisitions | Share |
|---|---|---|
| 72 Accommodation and Food Services | 23 | 16.9% |
| 44-45 Retail Trade | 22 | 16.2% |
| 81 Other Services (except Public Administration) | 18 | 13.2% |
| 62 Health Care and Social Assistance | 12 | 8.8% |
| 42 Wholesale Trade | 9 | 6.6% |
| 31-33 Manufacturing | 9 | 6.6% |
| 23 Construction | 8 | 5.9% |
| 56 Administrative and Support and Waste Management and Remediation Services | 7 | 5.1% |
| Industry group | Acquisitions | Share |
|---|---|---|
| 7225 Restaurants and Other Eating Places | 21 | 15.4% |
| 8121 Personal Care Services | 11 | 8.1% |
| 4921 Couriers and Express Delivery Services | 7 | 5.1% |
| 4453 Beer, Wine, and Liquor Retailers | 6 | 4.4% |
| 4539 All Other Miscellaneous Store Retailers (except Tobacco Stores) | 5 | 3.7% |
| 5617 Services to Buildings and Dwellings | 4 | 2.9% |
| 6213 Offices of Other Health Practitioners | 4 | 2.9% |
| 5614 Business Support Services | 3 | 2.2% |
| Lender | Acquisitions | Share |
|---|---|---|
| Wilmington Savings Fund Society | 14 | 10.3% |
| Customers Bank | 11 | 8.1% |
| Live Oak Banking Company | 10 | 7.4% |
| Meridian Bank | 8 | 5.9% |
| Univest Bank and Trust Co | 6 | 4.4% |
| Beacon Bank and Trust | 6 | 4.4% |
| Falcon National Bank | 5 | 3.7% |
| Quaint Oak Bank | 4 | 2.9% |
Other counties in Pennsylvania
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