Is First Commonwealth Bank a good SBA lender?

First Commonwealth Bank has funded 4,123 SBA loans totaling $1.3B in volume across 36 states, with an average loan size of $324K. The lender's default rate is 853.00%. Whether they are the right fit depends on your deal profile — loan size, industry, geography, and borrower credit. PeerSense matches your specific deal to First Commonwealth Bank or one of 897+ alternatives based on closing probability + pricing.

What is the average SBA loan size at First Commonwealth Bank?

The average SBA loan size at First Commonwealth Bank is $324K, with a range from $5K to $5.0M. This profile suggests they are best suited for borrowers seeking mid-market business acquisitions and equipment financing.

What states does First Commonwealth Bank lend in?

First Commonwealth Bank actively lends across 36 states. Their highest-volume state is Pennsylvania. Other top states include Ohio, Texas, Florida. Borrower geography matters: a lender's state penetration affects underwriting familiarity, valuation comps, and turnaround speed.

Does First Commonwealth Bank fund franchise loans?

Yes — First Commonwealth Bank has funded SBA franchise loans across multiple brands. Their highest-volume franchise concept is FOX'S PIZZA DEN, followed by Biggby Coffee, Duck Donuts, The Little Gym. Lender-franchise familiarity matters: lenders that have closed multiple loans for a brand know the FDD inside-out, which speeds underwriting + reduces re-trade risk.

What industries does First Commonwealth Bank prefer?

First Commonwealth Bank's highest-volume SBA industry by NAICS code is Limited-Service Restaurants. Other active sectors: Amusement & Recreation, Personal Care Services, Food & Beverage Stores. Borrower industry matters: matching your deal to a lender with strong recent volume in your NAICS reduces underwriting friction and improves close-rate odds.

How does PeerSense match deals to First Commonwealth Bank?

PeerSense matches your specific SBA deal to First Commonwealth Bank based on five factors: deal size vs lender's average + range, your industry vs lender's NAICS history, your state vs lender's geographic penetration, your franchise brand (if applicable) vs lender's brand history, and your credit + experience profile vs lender's known underwriting box. We don't sell leads — we curate fit. No retainer; lender pays referral fee at closing.

SBA LenderPennsylvaniaHigh VolumeMid-Market

First Commonwealth Bank

SBA lender based in Pennsylvania serving 36 states and 91 industries

Quick Answer

First Commonwealth Bank has funded 4,123 SBA loans across 36 states and 91 industries. Their average loan size is $324K. Whether they are the right SBA lender for your deal depends on size, industry, geography, and credit profile — PeerSense matches your deal against First Commonwealth Bank and 897+ alternatives based on closing probability + pricing.

Geographic Reach

36 States

National coverage

Industry Coverage

91 Industries

Diverse lending portfolio

Lending Activity

High Volume

Mid-Market focus

Top Lending States

Pennsylvania#1

Ohio#2

Texas#3

Florida#4

Kentucky#5

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Industry Focus Areas

Limited-Service Restaurants

NAICS 722

Amusement & Recreation

NAICS 713

Personal Care Services

NAICS 812

Food & Beverage Stores

NAICS 445

Ambulatory Healthcare

NAICS 621

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Why borrowers choose First Commonwealth Bank

First Commonwealth Bank is best suited for borrowers seeking mid-market business acquisitions and franchise build-outs, with an average SBA loan of $324K. The lender's deepest industry experience is in Limited-Service Restaurants, and their highest-volume state is Pennsylvania. With 4,123 SBA loans funded across 36 states, they are one of a small set of true national SBA lenders. Their portfolio default rate is 853.00%. If your deal profile aligns with their underwriting box, this lender is worth a quote — PeerSense matches your specific deal against First Commonwealth Bank and 897+ alternatives.

Recent SBA Activity at First Commonwealth Bank

Franchise lending: First Commonwealth Bank has funded SBA loans for multiple franchise concepts, with the highest volume in FOX'S PIZZA DEN, Biggby Coffee, and Duck Donuts. Lender-franchise familiarity reduces underwriting friction: brands the lender already knows clear faster and re-trade less.

Industry concentration: The lender's highest-volume SBA industries are Limited-Service Restaurants, Amusement & Recreation, and Personal Care Services. Borrowers in these NAICS sectors typically see better terms and faster approvals.

Geographic concentration: Top markets are Pennsylvania, Ohio, Texas, Florida, and Kentucky. Lenders typically underwrite faster in states where they already have closing comps.

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Compare First Commonwealth Bank to Similar SBA Lenders

Other SBA lenders headquartered in Pennsylvania with similar deal-size profiles. Borrowers should always compare 3–5 lenders before committing.

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5,394 loans$443K avg45 states

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4,034 loans$555K avg22 states

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Northwest Bank

2,879 loans$373K avg40 states

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Customers Bank

1,296 loans$790K avg46 states

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Univest Bank and Trust Co

1,115 loans$288K avg5 states

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About First Commonwealth Bank SBA Lending

First Commonwealth Bank is an SBA lender headquartered in Pennsylvania. PeerSense tracks this lender's SBA lending activity, including approval trends, geographic coverage, and industry specializations.

First Commonwealth Bank serves borrowers across 36 states and 91 industry sectors, making it a national SBA lender with broad geographic coverage. To find out whether First Commonwealth Bank is a good fit for your specific deal, reach out to PeerSense for a free lender match.

PeerSense maintains detailed performance data on hundreds of SBA lenders to help borrowers and brokers identify the right capital source. Rather than spending weeks researching lenders on your own, book a free call and let our team match you with lenders who have a proven track record in your industry and geography.

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