Landscaping Services acquisitions in Pennsylvania: SBA loan data
Since FY2018, SBA lenders have approved 38 7(a) loans to buy an existing business classified as Landscaping Services in Pennsylvania, totaling $27.3M. The median loan was $376,500. That is 2.2% of the 1,765 acquisition loans in Pennsylvania.
- Loans, FY2018-FY2026
- 38
- Median loan
- $376,500 (middle half $116,500 to $883,500)
- Top lender
- Beacon Bank and Trust (16%, 6 loans)
- FY2026 loans (latest complete year)
- 2
SBA lenders approved 38 7(a) loans to buy a business classified as Landscaping Services in Pennsylvania from FY2018-FY2026, with a median of $376,500 and a middle half of $116,500 to $883,500. Beacon Bank and Trust made 16% of them. FY2026 had 2 loans.
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How Landscaping Services in Pennsylvania compares
| Measure | Landscaping Services in... | Pennsylvania, all industries | Landscaping Services, nationwide | All acquisitions |
|---|---|---|---|---|
| Median loan | $376,500 | $535,000 | $535,750 | $645,250 |
| Middle half of loans | $116,500 to $883,500 | $229,000 to $1,282,000 | $222,000 to $1,193,000 | $283,000 to $1,465,000 |
| Average initial rate | 8.15% | 7.94% | 8.06% | 7.76% |
| Median term | 10 years | 10 years | 10 years | 10 years |
| Charge-off rate (seasoned loans) | n/a | 2.1% | 5.5% | 3.5% |
| Loans in sample | 38 | 1,765 | 790 | 48,902 |
The median for Landscaping Services acquisition loans in Pennsylvania is $376,500, below the $535,000 median for all Pennsylvania acquisitions, below the $535,750 median for Landscaping Services acquisitions nationwide and well below the $645,250 median for all SBA-financed acquisitions nationally.
The middle half runs $116,500 to $883,500, against $283,000 to $1,465,000 nationally; the median term is 10 years, the same as the national median; the average initial rate is 8.15%, above the 7.76% national average.
Too few of these loans are old enough to measure a charge-off rate; the national rate for seasoned acquisition loans is 3.5%.
Loan size distribution
| Loan size | Landscaping Services in... | All acquisitions |
|---|---|---|
| Under $350K | 45% | 30% |
| $350K to under $1M | 32% | 33% |
| $1M to under $2M | 16% | 19% |
| $2M and over | 8% | 17% |
Most Landscaping Services acquisition loans in Pennsylvania (76%) were under $1M, and the largest single band is Under $350K at 45%, against 30% of all acquisition loans.
Bands are fixed dollar ranges chosen for comparison. They are not SBA program limits.
Lender concentration
Beacon Bank and Trust made 16% of Landscaping Services acquisition loans in Pennsylvania, and the top three lenders together made 42%. 4 of the 16 lenders involved made three or more. Repeat experience is spread across many banks. That is a rough guide to how many banks have seen this kind of deal before.
Recent activity
In FY2025 and FY2026 combined, 11 Landscaping Services acquisition loans in Pennsylvania were approved. Fewer than 10 loans were approved in FY2023 and FY2024, so no change is computed. The median was $639,000, well above the $376,500 median across all years.
Landscaping Services acquisition loans in Pennsylvania by year
| Fiscal year | Loans | Total approved | Median loan | |
|---|---|---|---|---|
| FY2018 | 4 | $3.4M | $645,000 | |
| FY2019 | 2 | $4.9M | $2,427,000 | |
| FY2020 | 2 | $2.5M | $1,227,000 | |
| FY2021 | 5 | $2.3M | $346,500 | |
| FY2022 | 5 | $1.9M | $350,000 | |
| FY2023 | 6 | $2.6M | $359,900 | |
| FY2024 | 3 | $775K | $346,500 | |
| FY2025 | 9 | $5.8M | $276,000 | |
| FY2026 | 2 | $3.1M | $1,569,500 |
How often do these acquisition loans fail?
Fewer than 20 Landscaping Services in Pennsylvania acquisition loans are old enough to measure losses reliably, so no charge-off rate is shown. The benchmark across all SBA acquisition loans in the FY2018 to FY2021 cohort is 3.5% by count. Non-acquisition 7(a) loans (every other stated purpose) approved FY2018 to FY2021 charged off at 6.2%.
"Charged off" is the SBA's final loss action on a defaulted loan after collection efforts. It lags default by a year or more, which is why only older cohorts are measured. It is not the same as a delinquency rate, and loans still outstanding can still fail. See charge-off in the glossary.
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Top lenders
| # | Lender | Loans | Share | Dollars | |
|---|---|---|---|---|---|
| 1 | Beacon Bank and Trust | 6 | 15.8% | $5.3M | |
| 2 | The Huntington National Bank | 6 | 15.8% | $2.7M | |
| 3 | Northwest Bank | 4 | 10.5% | $2.5M | |
| 4 | TD Bank, National Association | 4 | 10.5% | $1.7M | |
| 5 | Meridian Bank | 2 | 5.3% | $6.4M |
Top franchise brands
| # | Franchise | Loans | Share | Dollars | |
|---|---|---|---|---|---|
| 1 | Lawn Doctor | 2 | 5.3% | $397K | |
| 2 | Monster Tree Service | 1 | 2.6% | $740K |
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Questions buyers ask
How much do SBA loans for Landscaping Services acquisitions in Pennsylvania run?
The median SBA 7(a) loan was $376,500 across 38 loans (FY2018 to FY2026), with the middle half between $116,500 and $883,500. The loan excludes the buyer's equity and any seller note and may include working capital, so the price is usually higher than the loan.
Which banks finance Landscaping Services acquisitions in Pennsylvania?
Beacon Bank and Trust (6), The Huntington National Bank (6), Northwest Bank (4), TD Bank, National Association (4), Meridian Bank (2). Some lenders repeatedly finance this industry in this state; the counts above show which.
How often do Landscaping Services acquisition loans fail in Pennsylvania?
Fewer than 20 loans in this combination are old enough to measure losses reliably, so no rate is shown. The national benchmark for all SBA acquisition loans is 3.5% (FY2018 to FY2021 cohort).
Are franchised businesses part of Landscaping Services acquisitions in Pennsylvania?
4 of the 38 loans (11%) involved a franchise brand, most often Lawn Doctor (2).
How much do you need down for an SBA loan to buy a Landscaping Services business in Pennsylvania?
The SBA requires the buyer to make an equity injection, commonly 10% of total project cost, and a lender may ask for more. The SBA file does not record injections, so the figures here are the financed portion: the median for Landscaping Services acquisition loans in Pennsylvania was $376,500, and the middle half ran $116,500 to $883,500.
How long does an SBA acquisition loan take?
For a change-of-ownership 7(a) loan, 45 to 90 days from application to close is typical. It varies by lender and by how quickly third-party reports, such as the business valuation and appraisal, come back. The SBA file records approval dates, not application dates, so this site cannot measure it. Lenders approved 11 Landscaping Services acquisition loans in Pennsylvania in FY2025 and FY2026.
Which banks make SBA loans for a Landscaping Services business in Pennsylvania?
By loan count, FY2018 to FY2026: Beacon Bank and Trust (6), The Huntington National Bank (6), Northwest Bank (4), TD Bank, National Association (4), Meridian Bank (2). Beacon Bank and Trust made 16% of Landscaping Services acquisition loans in Pennsylvania. Counts show past approvals only and do not predict whether a lender will approve a particular deal.
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Small samples move a lot: each loan in this combination is 3% of the count. Industry is the NAICS code the lender recorded. See the methodology.
Cite this data
SBA Acquisition Data, "Landscaping Services in Pennsylvania: SBA acquisition loan data", https://sbaacquisitiondata.com/state/pa/landscaping-services-561730 (data as of September 30, 2026). Source: U.S. Small Business Administration 7(a) loan file, data.sba.gov. Aggregated by SBA Acquisition Data.
The figures on this page are also published as JSON at https://sbaacquisitiondata.com/data/state/pa/landscaping-services-561730.json.