• Cumberland Area Economic Development Corporation
  • Serving Cumberland County
  • Pennsylvania’s destination for business and leisure

Small Diverse Business Capital Access Program (SDBCA)


Small Diverse Business Capital Access Program (SDBCA) provides low-interest loans and lines of credit to small diverse businesses that commit to creating and retaining full-time jobs within the Commonwealth. Applications for SDBCA eligible projects in Cumberland County need to be submitted through Cumberland Area Economic Development Corp.


  • Land and building acquisitions
  • Construction and renovation costs
  • Machinery and equipment purchases
  • Working capital and accounts receivable lines of credit


The business must be certified by the PA Department of General Services (DGS) as a minority-owned, woman owned, veteran-owned, or service-disabled veteran-owned business with 100 or fewer employees worldwide.

  • Manufacturing
  • Industrial
  • Agricultural Processors
  • Research and Development
  • Hospitality
  • Defense Conversion
  • Recycling
  • Construction
  • Child Day-care
  • Retail and Service
  • Export
  • Computer-related Service Enterprises


  • The maximum loan amount is $200,000 or 50% of the total eligible project cost, whichever is less. Matching funds from other sources must equal at least 50% of eligible project costs.
  • The maximum amount for a line of credit is $100,000 (no match is required except a 50% match is required for service enterprises).


  • Up to 15 years for land and building acquisitions and construction / renovation projects
  • Up to 10 years for machinery and equipment purchases
  • Working capital and accounts receivable lines of credit have a term of 1 year and can be renewed
  • At least one (1) job must be retained for every $35,000 borrowed. For projects that will result in jobs being created, at least one (1) job must be created for every $50,000 borrowed.


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