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NEPA Alliance has several loan products available for small businesses in Carbon, Lackawanna, Luzerne, Monroe, Pike, Schuylkill and Wayne Counties.
These low cost, low interest loans offer reduced down payments and standard loan term maturities for machinery and equipment, land and building acquisition, construction and renovation. Loan rates are fixed and generally below the prime lending rate.
Eligible businesses include Manufacturers, Industrial, Agriculture/Agribusiness, Hospitality & Tourism Related Enterprises, Recyclers, Day Cares, Computer Related Services, Advanced Technology, and Retail and Service Related Businesses. Other business sectors may also qualify.
 NEPA Alliance Business Finance Corporation has Small Business Administration (SBA) 504 loans available for eligible small businesses in Carbon, Lackawanna, Luzerne, Monroe, Pike, Schuylkill and Wayne Counties.
Financing Structure
A bank or other lender finances 50% of the project cost and takes a first lien position on the assets financed. The SBA 504 loan  finances 40% of the project cost up to $5.5 million and takes a second lien position. The borrower then contributes a down payment of as little as 10%.
Small Businesses can Receive:
- Subordinate Financing
- 40% Funding
- Up to $5.5 Million in Financing Available
- Market Based Fixed Rate Financing
SBA 504 Loans Offer:
- Low Down Payments
- Long Term Maturities (10 & 20 Years)
*Eligibility Criteria Apply*
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| International Business Development |
The Pennsylvania Global Access Program (GAP) is designed to enhance the capacity of small to mid-sized Pennsylvania companies to increase export sales. The GAP is funded in part through a grant with the U.S. Small Business Administration (SBA).
A Pennsylvania company that meets SBA criteria can qualify and be awarded a GAP grant in the amount of up to $5,000. The company will be reimbursed 75% of eligible expenses associated with specific export promotion activities taken before September 2018.
GAP qualified activities include: Overseas Trade Mission Participation, Overseas Trade Show Participation, Approved Domestic Trade Show Participation, Foreign Market Sales Trips and Subscription to U.S. Department of Commerce Services.
Eligible Expenses are restricted to the following: Lodging (based on Federal Per Diem Limits), Ground Transportation, Parking Fees, Translation / Interpreter Fees, Website Internationalizations, Search Engine Optimization, Localization Services, Shipping Cost of Samples, Compliance Testing, Trade Mission / Trade Show Fees, and U.S. Department of Commerce Services.
Ineligible Expenses include, but not limited to Air Fare & Baggage Fees, Meals, Compensation, Consultant Fees / Service Provider Fees, Alcoholic Beverages, Hotel Amenities, Phone and Internet Usage, Phone Cards, Capital Goods / Samples, Passport / Visa Fees, Immunization, Entertainment, and New Product Development.
Northeastern Pennsylvania companies interested in applying for a GAP grant can contact NEPA's International Program for additional information and a GAP grant application packet.
To learn more about International Business Development assistance, contact NEPA's International Business Development Program Manager, Michael Horvath, at 570-655-5581 or 866-758-1929.
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The Procurement Technical Assistance Center (PTAC) at the Northeastern Pennsylvania Alliance is the only PTAC covering Carbon, Lackawanna, Luzerne, Monroe, Pike, Schuylkill & Wayne counties in Northeastern Pennsylvania. The center has been in existence for over twenty-five years. The PTAC serves as a liaison to help local companies, usually small businesses increase sales and growth for our regional economy. NEPA's PTAC staff provides marketing and technical assistance to qualified, competitive companies who wish to bid on government contracts and also works with government agencies to help locate suppliers in the region. The tools available from NEPA's PTAC can help companies market their products and qualify their business to be a leading contender in winning a contract with a local, state or federal agency.
For personal and confidential PTAC assistance, please contact Karen Ostroskie, PTAC Senior Government Procurement Manager; Debbie Phillips, PTAC Government Procurement Manager; Paula Terpak, PTAC Government Procurement Specialist, or call (570) 655-5581.
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Did you know that you can find a corresponding census tract for a street address by going here and then providing the street address, city, state and zip code? To see whether the address is within a distressed census tract that is designated by the Appalachian Regional Commission, click here.
For additional information, contact Steve Zaricki at 570-655-5581 or 866-758-1929.
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"This institution is an equal opportunity provider and employer."
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NEPA Alliance currently has 1,800-2,000 square feet of rentable space available at our office located at 1151 Oak Street in Pittston Township. The office space includes off street parking, shared use of meeting rooms and other common areas. Professional services including administrative, financial and information technology/phone services are available for smaller businesses/organizations on a fee based schedule. For inquiries, please contact
