Seedcopa + SeedcoDE

What Seedcopa + SeedcoDE does

Seedcopa + SeedcoDE is a private nonprofit Certified Development Company (CDC) founded in 1983 and headquartered in Exton, Pennsylvania. The firm is federally authorized by the U.S. Small Business Administration to package, process, and service SBA 504 loans, and it has been ranked the #1 SBA 504 Lender in Eastern Pennsylvania for four consecutive years (2020–2023). Its core product is SBA 504 long-term, fixed-rate commercial real estate and equipment financing for small to mid-sized businesses, with loan sizes ranging from $200,000 to over $16 million and terms of 10, 20, or 25 years at below-market fixed rates (e.g., 6.21%–6.28% standard; 5.90%–6.03% for eligible manufacturers as of the source date). The company also facilitates SBA 7(a) loans and a suite of complementary federal, state, and local programs including Building PA, PSBCI, PIDA, USDA B&I, USDA Community Facilities, Next Gen Farm Loans, and IDA loans.

The business model is professional services / fee-based: Seedcopa does not lend directly but acts as a CDC intermediary, partnering with banks, credit unions, and economic development organizations to originate SBA-backed loans. Revenue is derived from loan packaging, processing, and servicing fees on closed transactions. The go-to-market motion is channel-partner-led: borrowers are sourced through partner banks, commercial realtors, SBDC/SCORE referrals, and direct inbound inquiry. Seedcopa services small and mid-sized businesses primarily in Pennsylvania, and expanded into Delaware in 2025 with a Wilmington office under the SeedcoDE brand, targeting the same SMB segments including women-owned businesses and manufacturers eligible for enhanced SBA 504 benefits.

Operationally, Seedcopa operates with a small team of 11–50 employees holding 75+ years of combined government lending experience. Leadership includes Managing Director Sherwood Robbins (NADCO Region 3 Director), SVP/Relationship Manager Marie Shires, SVP/Business Development Officer Holly Graver, and Loan Operations Specialist Jo Lynn Entzminger. The firm holds no technology platform, AI/ML capability, patents, or proprietary software; its core assets are the SBA CDC certification, the four-consecutive-year #1 lender ranking, and the dense network of bank and economic development partnerships across the Mid-Atlantic region.

Name

Seedcopa + SeedcoDE

Legal name

Seedcopa + SeedcoDE

Website

https://seedcopa.com

Company type

Private

Founded year

1983

Operating status

Operating

Headcount range

11–50 employees

Short description

Seedcopa + SeedcoDE is a nonprofit SBA Certified Development Company founded in 1983 that facilitates SBA 504 and 7(a) loans, plus state and USDA programs, for small and mid-sized businesses in Pennsylvania and Delaware through a network of bank and economic development partners.

Ownership category

akta.pro rank

Product category

Government-Backed Business Lending

NAICS

Depository Credit Intermediation (5221)

SIC

Federal & Federally-Sponsored Credit Agencies (6111), Miscellaneous Business Credit Institution (6159)

akta.pro primary industry

SBA/Government-Backed & Development Finance Loans (FSAKAGAI)

akta.pro secondary industries

SBA/USDA Government-Backed Loan Intermediation (FSAEAEAI), SME/Industrial Development Banks (FSABAKAF)

Keywords

• SBA 504 loans
• Small business lending
• Government-backed financing
• Commercial real estate loans
• Certified Development Company

Headquarters

HQ city

Exton

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Others

Revenue model

1. SBA 504 Loan Facilitation: Seedcopa facilitates SBA 504 loans for small businesses, working as an intermediary between borrowers and third-party lenders. The company helps package loan applications and guides businesses through the government loan process.
2. SBA 7(a) Loans: Facilitates SBA 7(a) loans which offer working capital, equipment, and real estate financing through partner banks.
3. Other Government Loan Programs: Offers additional programs including Building PA, PSBCI, PIDA, USDA B&I, USDA CF, Next Gen Farm Loans, and IDA loans to support economic development across Pennsylvania and Delaware.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels8 records

Core offering

Seedcopa + SeedcoDE is a private nonprofit Certified Development Company (CDC) that facilitates SBA 504 loans, SBA 7(a) loans, and complementary federal, state, and local government loan programs for small and mid-sized businesses in Pennsylvania and Delaware. The company acts as an intermediary between borrowers and partner banks/credit unions, packaging loan applications, providing credit-quality oversight, and guiding businesses through the government lending process for projects typically ranging from $200,000 to over $16 million.

Product overview

Seedcopa + SeedcoDE is a Certified Development Company (CDC) offering a suite of government-backed loan programs primarily focused on SBA 504 loans, which are designed to help small businesses acquire commercial real estate, land, and equipment with long-term fixed rates and low down payments. The company also offers SBA 7(a) loans, various Pennsylvania state programs (PIDA, Building PA, PSBCI), and USDA rural development loans. The core product is the SBA 504 loan program, which the company has been ranked #1 in Eastern Pennsylvania for four consecutive years.

Differentiator

Problem solved

Functional benefit

Products and services

• SBA 504 Loans Long-term, fixed-rate SBA 504 financing for small businesses to purchase commercial real estate, land, or major equipment. Loans range from $200,000 to over $16 million with terms of 10, 20, or 25 years and as little as 10% borrower equity.
• SBA 7(a) Loans General SBA-guaranteed small business loans providing working capital, equipment purchases, and real estate financing through partner banks.
• Real Estate Refinancing SBA 504 refinancing program that allows businesses to refinance existing commercial real estate debt with cash-out options for eligible business expenses and payoff of high-interest business lines of credit.
• Building PA Loan Program A Pennsylvania state loan program designed to assist businesses with building acquisition and improvement projects within the state.
• PA Small Business Credit Initiative (PSBCI) A Pennsylvania state program providing credit support for small businesses through various financing mechanisms.
• PIDA Loans (PA Industrial Development Authority) Low-interest loans for industrial development projects in Pennsylvania, including manufacturing, warehousing, and research facilities.
• USDA B&I Loans USDA Business and Industry loan program providing loan guarantees for rural business development and expansion.
• USDA Community Facilities Loan Program USDA loan program providing affordable credit for community facilities in rural areas including healthcare, education, and public safety.
• Next Gen Farm Loans Specialized loan program for young and beginning farmers to help with land purchase, equipment, and operating expenses.
• IDA (Industrial Development Authority Loans) Industrial Development Authority financing for local economic development projects and business growth initiatives.

Quantifiable outcome

• SBA 504 loans fund projects from $200,000 to over $16 million
• +3 more outcomes

Named customers10 records

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

18 partnerships are on record, tiered core.

• Fulton BankcoreChannel Partner/ Reseller/ Distributor · 1 January 2025Fulton Bank serves as a lending partner, providing conventional first mortgage financing alongside SBA 504 loans. Worked with Seedcopa on loans for BoardSafe Docks and multiple other borrowers.
• UnivestcoreChannel Partner/ Reseller/ DistributorUnivest provides lending partnership for SBA 504 loans, including financing for Tender Years Child Development Center's fifth location.
• Peoples Security Bank & TrustcoreChannel Partner/ Reseller/ DistributorPeoples Security Bank & Trust partners with Seedcopa to facilitate SBA 504 loans for small businesses including Addesso Marble & Granite and Nickischer & Associates.
• The Victory BankcoreChannel Partner/ Reseller/ DistributorThe Victory Bank serves as lending partner on economic development loans, including Mont Clare Deli & Market financing.
• WSFS BankcoreChannel Partner/ Reseller/ DistributorWSFS Bank provides lending partnership for SBA 504 loans including Main Line Gymnastics and Pine Creek Sport Horses.
• Harleysville BankcoreChannel Partner/ Reseller/ DistributorHarleysville Bank introduced borrower Jimmy Olang to Seedcopa for SBA 504 financing.
• U.S. Small Business AdministrationcoreStrategic or Co-development PartnerSeedcopa is an SBA Certified Development Company (CDC), authorized to facilitate SBA 504 loans as part of the federal government's small business lending program.
• Pennsylvania Small Business Development Centers (SBDC)coreStrategic or Co-development PartnerSBDC partners with Seedcopa on lender roundtables and provides support services for small business borrowers.
• SCOREcoreStrategic or Co-development PartnerSCORE partners with Seedcopa on educational events and provides mentorship resources for small business owners seeking financing.
• USDAcoreStrategic or Co-development PartnerUSDA partners with Seedcopa for rural business development through USDA B&I and USDA Community Facilities loan programs.
• Riverview BankcoreChannel Partner/ Reseller/ DistributorRiverview Bank financed Van Scoy Jewelers' $850,000 SBA 504 loan project in Wyomissing, PA.
• Kish BankcoreChannel Partner/ Reseller/ DistributorKish Bank serves as lending partner for SBA 504 loans including hotel acquisitions in Central Pennsylvania.
• Republic BankcoreChannel Partner/ Reseller/ DistributorRepublic Bank partnered with Seedcopa on Maternal Wellness Center SBA 504 loan.
• Diamond Credit UnioncoreChannel Partner/ Reseller/ DistributorDiamond Credit Union provides lending partnership for SBA 504 loans including medical device manufacturer in Pottstown.
• Citadel Credit UnioncoreChannel Partner/ Reseller/ DistributorCitadel Credit Union serves as lending partner for SBA 504 hotel financing in Lancaster, PA.
• First Resource BankcoreChannel Partner/ Reseller/ DistributorFirst Resource Bank provides lending partnership for SBA 504 loans including Stand Strong Training and Tender Years locations.
• Mid Penn BankcoreChannel Partner/ Reseller/ DistributorMid Penn Bank serves as lending partner for SBA 504 loans including laundromat, winery, and childcare facilities.
• First Keystone Community BankcoreChannel Partner/ Reseller/ DistributorFirst Keystone Community Bank provides SBA 504 lending partnership for daycare center financing.

Scale indicators5 records

Recent moves7 records

Expansion highlights5 records

Broad incumbents

• Live Oak Bank: One of the largest SBA lenders in the United States, originating SBA 7(a) loans nationally including to the same SMB real estate and expansion use cases Seedcopa serves; broader national portfolio vs. Seedcopa's regional focus.
• Byline Bank: Chicago-based community bank with a national SBA lending platform focused on SBA 7(a) and 504 originations — broader geographic reach and balance-sheet lending capacity than a regional CDC.
• Newtek Small Business Finance: SBA Preferred Lender offering SBA 7(a) and 504 loans plus non-SBA small business financing nationwide, with a more diversified technology-enabled origination model than a regional CDC.
• Celtic Bank: Utah-chartered bank that is a top SBA 504 Preferred Lender, originating and servicing SBA 504 and 7(a) loans nationwide — same SBA programs but at materially larger scale and broader geography.

Direct peers

• Florida First Capital Finance Corporation: SBA 504 Certified Development Company serving Florida small businesses with comparable CDC services, loan packaging, and bank-partner intermediation model.
• CDC Small Business Finance: California-focused SBA Certified Development Company that packages and services SBA 504 loans, very similar business model and customer base to Seedcopa in a different region.
• Granite State Development Corporation: New Hampshire-based SBA 504 Certified Development Company providing SBA 504, SBA 7(a), and USDA lending services to small businesses across northern New England.
• Empire State Certified Development Corporation: New York-based SBA 504 CDC offering SBA 504 and 7(a) loan facilitation with similar bank-partner intermediation model serving small to mid-sized businesses.
• Pacific Coast Regional Small Business Development Corporation: Los Angeles-area SBA 504 CDC facilitating SBA 504 and other government loan programs to small businesses in Southern California — directly analogous mission and product mix.

Others

• National Association of Development Companies (NADCO): Industry trade association for Certified Development Companies; Seedcopa's Managing Director sits on its board as Region 3 Director, making NADCO a relevant ecosystem body rather than a direct competitor.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/seedcopa
• YouTubeyoutube.com/@SeedcopaSeedcoDE
• Facebookfacebook.com/SeedcopaSeedcoDE
• LinkedInlinkedin.com/company/seedcopaseedcode

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Seedcopa + SeedcoDE