- As of mid-2026 Pennsylvania has no state-specific commercial financing disclosure law; a 2023-2024 proposal (House Bill 1792) was referred to committee but never enacted.
- The economy is led by 'eds and meds' in Philadelphia and Pittsburgh, advanced manufacturing, Marcellus Shale energy, agriculture, and a growing I-78/I-81 logistics corridor.
- Two SBA district offices—Philadelphia for the eastern 40 counties and Pittsburgh for 27 western counties—handle 7(a) and 504 lending.
Funding the Pennsylvania economy
Pennsylvania’s economy is anchored by two distinct metros and a productive middle. Philadelphia leans heavily on healthcare, education, and life sciences, while Pittsburgh has reinvented itself around healthcare, robotics, and advanced manufacturing. In between, the Marcellus Shale, a strong agricultural belt, and fast-growing logistics corridors along I-78 and I-81 keep capital demand high across the Commonwealth.
Industries we fund across Pennsylvania
- Healthcare & education — practice financing and build-outs around Philadelphia and Pittsburgh’s major hospital and university systems.
- Manufacturing — equipment loans and working capital for shops across the Lehigh Valley, Erie, and the southwest.
- Logistics & warehousing — invoice factoring and equipment financing along the booming I-78/I-81 distribution corridors near Allentown and Harrisburg.
- Energy & natural gas — working capital for service businesses tied to Marcellus Shale activity in the north and west.
- Agriculture & food production — seasonal working capital for farms and processors in the central counties.
What the regulations mean for you
As of mid-2026, Pennsylvania has not put a state-specific commercial financing disclosure law into effect. A Commercial Finance Disclosure Law (House Bill 1792) was introduced in the 2023-2024 session and did not become law. In practice, that means cost and payment terms for products like merchant cash advances may not come on a standardized state form — so it pays to ask every provider for the total dollar cost, the term, and an APR-equivalent figure before you sign. Hoss Capital only works with partners who operate transparently.