Feasibility Study Data for the Gettysburg, PA Metro Area

What SBA's files say about Gettysburg

Across Gettysburg, SBA's own files hold 136 approved loans over FY2017 through FY2026, worth $62.6 million in gross approvals. Gettysburg sits within all such areas nationwide, ranked by approvals, in place 397 of 928. The middle half of Gettysburg loans spans $40,000 to $327,500, and a middle figure of $90,000; which puts the median at 0.43x the nationwide median. By program, Gettysburg shows 125 loans in 7(a) against 11 under 504. Franchised units took 9.6% of the record.

Gettysburg: businesses and places

For the record, among the tracked classes we count for Gettysburg, the leader is full-service restaurant with 6 loans, trailed by hotel and motel with 5 and beverage manufacturing, 5 loans. A further 109 loans in Gettysburg fall outside the classes. Every loan in Gettysburg falls in Adams County, PA, at 136 loans, which makes a feasibility study around Gettysburg a one-county exercise.

Gettysburg: holders of record

Holders named for Gettysburg appear in SBA's archived Gettysburg records of the 136 loans in Gettysburg, carried at present or before; these entries show each position and reveal nothing about what lenders require. For the record, under 7(a) in Gettysburg, SBA's records name Manufacturers and Traders Trust Company at 76 loans and $10.1 million; after it, PNC Bank, National Association (6 loans, $1.3 million). Besides, a Gettysburg borrower may ask the Gettysburg holder Manufacturers and Traders Trust Company or any other Gettysburg holder near Adams County, PA what evidence it wants, then fit the Gettysburg study to satisfy those answers.

Gettysburg: cancellations and charge-offs

Among Gettysburg approvals from FY2017 to FY2024, at least 6.9% ended in cancellation after approval in Gettysburg, which is a floor; the real Gettysburg figure may be higher. Worth noting, any charge-off rate for Adams County, PA is not published in this table, for too few Gettysburg loans were drawn. That gap, across Gettysburg, must not be read as zero losses. For the record, year by year, Gettysburg crested in FY2025 at 26 loans and $14.5 million, and fell to its low in FY2018 at 9 loans and $12.3 million.

Gettysburg: testing a project

In Gettysburg, demand comes first: who lives in Adams County, PA, who commutes in, set against the wider Gettysburg area, and what gap the 6 full-service restaurant loans leave. On cost: $90,000 is the Gettysburg median and $40,000 to $327,500 the middle half, so a Adams County, PA site must price itself against this $90,000 midpoint. Worth noting, debt service: Gettysburg debt service withstands a sluggish year against and the 6.9% floor for cancellation plus the charge-off rate for Gettysburg, which is also kept back since the cohort is thin. The Adams County, PA appraisal must back the worth the loan uses. Gettysburg follows the July 2023 boundaries; a case whose home county is not matched falls out of each area, Gettysburg among them, though the totals retain loans beyond the classes we track.