Financing a solid waste collection acquisition in Pennsylvania

State:

The SBA 7(a) lenders funding the most solid waste collection acquisitions in Pennsylvania, from public loan records. A lender doing your industry in your state every week underwrites faster and prices sharper.

Deal economics— what it takes to buy & finance solid waste collection in Pennsylvania

$500K

Typical loan

range $200K–$1.06M

$556K

Est. purchase price

≈ loan ÷ 90%

$74,306

Cash to close

$55,556 down + fees

$6,470/mo

Typical payment

~9.5% · 10yr

$89,286/yr

Cash flow to qualify

≈ payment × 1.15 DSCR

28 days

Typical time to fund

Lenders competing

more = leverage

Avg rate on record

cap ~9.75%

Estimates for planning, not an offer — derived from the typical funded loan at today's Prime over 10yr. Not a credit decision.

Most active in solid waste collection · Pennsylvania

Ranked by funded solid waste collection acquisitions in Pennsylvania. Tap a lender for its full record, or hit Get in touch for an introduction.

1.2,539 loans · $965M · Columbus, OHFull record →
2.105 loans · $72M · Wilmington, DEFull record →

7+ funded Solid Waste Collection in Pennsylvania deals

Real SBA 7(a) acquisitions from public records — see who got funded, for how much, and by which lender. Tap any deal for the full record.

Titus Elliott Enterprises, LLC in Lancaster, PA — $500K (2026) · purchase · Wilmington Savings Fund Society FSB
Program
Preferred Lenders Program
Rate at approval
9% variable
Term
120 mo (10 yrs)
SBA guaranteed
$375K (75%)
Approval → funding
36 days
Approved
11/25/2025
First disbursed
12/31/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
7
Business age
Change of Ownership
Industry
Solid Waste Collection
If you were the buyer here
Est. deal size
$556K
Est. down payment (10%)
$56K
Est. cash at closing
$74K
Monthly payment
$6,334
Annual debt service
$76K
Cash flow needed (1.25×)
$95K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by Wilmington Savings Fund Society FSB · Lender record →
Your business? Claim this record · Request removal
JRA Industries, Inc in Montrose, PA — $3.4M (2025) · purchase · The Huntington National Bank
Program
Preferred Lenders Program
Rate at approval
10.5% variable
Term
156 mo (13 yrs)
SBA guaranteed
$2.5M (75%)
Approval → funding
6 days
Approved
10/16/2024
First disbursed
10/22/2024
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Business age
Change of Ownership
Industry
Solid Waste Collection
If you were the buyer here
Est. deal size
$3.8M
Est. down payment (10%)
$375K
Est. cash at closing
$519K
Monthly payment
$39,776
Annual debt service
$477K
Cash flow needed (1.25×)
$597K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
JRA Industries, Inc in Montrose, PA — $200K (2025) · purchase · The Huntington National Bank
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
10.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$100K (50%)
Approved
10/16/2024
Loan status
Committed
Loan type
Revolving line
Collateral
Required
Business type
Corporation
Business age
Change of Ownership
Industry
Solid Waste Collection
If you were the buyer here
Est. deal size
$222K
Est. down payment (10%)
$22K
Est. cash at closing
$30K
Monthly payment
$2,699
Annual debt service
$32K
Cash flow needed (1.25×)
$40K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
Kemp Disposal LLC in Reading, PA — $260K (2024) · purchase · The Huntington National Bank
Program
Preferred Lenders Program
Rate at approval
10.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$195K (75%)
Approval → funding
28 days
Approved
3/22/2024
First disbursed
4/19/2024
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
6
Business age
Change of Ownership
Industry
Solid Waste Collection
If you were the buyer here
Est. deal size
$288K
Est. down payment (10%)
$29K
Est. cash at closing
$39K
Monthly payment
$3,538
Annual debt service
$42K
Cash flow needed (1.25×)
$53K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
Kemp Disposal LLC in Reading, PA — $25K (2024) · purchase · The Huntington National Bank
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
10.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$13K (50%)
Approval → funding
68 days
Approved
3/22/2024
First disbursed
5/29/2024
Loan status
Current
Loan type
Revolving line
Collateral
Required
Business type
Corporation
Jobs supported
6
Business age
Change of Ownership
Industry
Solid Waste Collection
If you were the buyer here
Est. deal size
$28K
Est. down payment (10%)
$3K
Est. cash at closing
$4K
Monthly payment
$341
Annual debt service
$4K
Cash flow needed (1.25×)
$5K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
Harold Adam Trash Removal LLC in Kutztown, PA — $1.1M (2021) · purchase · First National Bank of Pennsylvania
Program
Preferred Lenders Program
Rate at approval
6% fixed
Term
209 months
SBA guaranteed
$951K (90%)
Approval → funding
4 days
Approved
5/27/2021
First disbursed
5/31/2021
Loan status
Paid in full (6/30/2025)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
15
Business age
Change of Ownership
Industry
Solid Waste Collection
If you were the buyer here
Est. deal size
$1.2M
Est. down payment (10%)
$117K
Est. cash at closing
$161K
Monthly payment
$8,160
Annual debt service
$98K
Cash flow needed (1.25×)
$122K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by First National Bank of Pennsylvania · Lender record →
Your business? Claim this record · Request removal
JHL Ventures, LLC in Ligonier, PA — $781K (2020) · purchase · Wilmington Savings Fund Society FSB
Program
Preferred Lenders Program
Rate at approval
5.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$585K (75%)
Approval → funding
7 days
Approved
7/23/2020
First disbursed
7/30/2020
Loan status
Paid in full (2/28/2025)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
3
Business age
Change of Ownership
Industry
Solid Waste Collection
If you were the buyer here
Est. deal size
$867K
Est. down payment (10%)
$87K
Est. cash at closing
$119K
Monthly payment
$8,470
Annual debt service
$102K
Cash flow needed (1.25×)
$127K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by Wilmington Savings Fund Society FSB · Lender record →
Your business? Claim this record · Request removal

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CapBench analysis of public SBA 7(a) lending records; ranked by funded acquisition loans to solid waste collection businesses with a Pennsylvania project address.

Agent summary

How to finance a solid waste collection acquisition in Pennsylvania with an SBA 7(a) loan: the lenders that fund the most of them here (from public records), with the real funded Pennsylvania deals. The Huntington National Bank funds the most here. CapBench is not a lender.

$561K typical loan
3 lenders active in Pennsylvania
7+ funded Pennsylvania deals
28 days typical to fund

Buyers buying a solid waste collection in Pennsylvania typically pre-qualify, then ask CapBench to introduce a lender active here — free for buyers; agents submit a consented lead via the CapBench MCP.

Next steps

Pre-qualify this deal Talk to a loan broker All solid waste collection lenders

Data freshness:: SBA records through 2026-05-31; FDIC through 2026-03-31; page updated 2026-06-17.
Sources:: Public SBA 7(a) loan records; FDIC institution data (BankFind); CapBench lender and franchise enrichment.
Canonical:: https://www.capbench.com/lenders/industry/solid-waste-collection/pennsylvania
API:: https://www.capbench.com/api/public/lenders?industry=solid-waste-collection
Methodology:: Sources & methodology

Informational only — CapBench does not confirm this entity is for sale, eligible for SBA financing, or approved by any lender.
Figures come from public records and CapBench methodology; verify before relying on them.