SBA lending record

Bright Rays LLC

400 Wynwood Drive, South Brunswick, NJ · Child Day Care Services. The complete public SBA 7(a) record for this business — every loan, every field, the lender, and the map.

$680K

Total SBA financing

Loans on record

FY2020

On record

Jobs supported

Franchise brand

Lightbridge Academy

See Lightbridge Academy's SBA financing data — typical deal, failure rate, and how its loans perform →

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All 2 loans

$630,000 — FY2020

Loan 1 of 2

Gross approval: $630,000
SBA guaranteed: $472,500 (75%)
Status: Paid in full
Rate at approval: 7% v
Term: 126 mo (11 yr)
Program: Preferred Lenders Program
Subprogram: Guaranty
Loan type: Term loan
Purpose: Other / working capital
Approved: 10/30/2019
First disbursement: 12/16/2019
Days to fund: 47 days
Paid in full: 5/31/2022
Collateral: Required
Sold on secondary market: Yes
Jobs supported: 24
Business type: Corporation
Business age: Startup, Loan Funds will Open Business
Industry: Child Day Care Services
NAICS code: 624410
Franchise: Lightbridge Academy
Franchise code: S1006
Lender: Manufacturers and Traders Trust Company
Address: 400 Wynwood Drive
City: South Brunswick
County: Middlesex
SBA district office: NEW JERSEY DISTRICT OFFICE
Congressional district: 12

$50,000 — FY2020

Loan 2 of 2

Gross approval: $50,000
SBA guaranteed: $25,000 (50%)
Status: Cancelled
Rate at approval: 7.5% v
Term: 120 mo (10 yr)
Program: SBA Express Program
Subprogram: FA$TRK (Small Loan Express)
Loan type: Term loan
Purpose: Other / working capital
Approved: 10/30/2019
Collateral: Required
Jobs supported: 24
Business type: Corporation
Business age: Startup, Loan Funds will Open Business
Industry: Child Day Care Services
NAICS code: 624410
Franchise: Lightbridge Academy
Franchise code: S1006
Lender: Manufacturers and Traders Trust Company
Address: 400 Wynwood Drive
City: South Brunswick
County: Middlesex
SBA district office: NEW JERSEY DISTRICT OFFICE
Congressional district: 12

The lender

Manufacturers and Traders Trust Company

2 loans to this businessFull SBA lending record + branches on the lender page →

Find SBA lenders for businesses like this

The banks most active funding child day care services — by location, industry, and brand.

SBA lenders in New Jersey Lenders for child day care services Child Day Care Services lenders in New Jersey Lightbridge Academy lenders Lightbridge Academy lenders in New Jersey

Other Lightbridge Academy locations

Other Lightbridge Academy businesses in the public SBA record — closest first, by location and deal size.

2 SMK LLC

Summit, NJ

Lightbridge Academy

$764K
SBA financing: ≈ $1.5M–$2.5M
Est. revenue (rough)

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VANTAGE VENTURES ED INC.

Montvale, NJ

Lightbridge Academy

$1.2M
SBA financing: ≈ $2.3M–$3.8M
Est. revenue (rough)

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LBA OF HACKENSACK LLC

Hackensack, NJ

Lightbridge Academy

$850K
SBA financing: ≈ $1.7M–$2.8M
Est. revenue (rough)

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Tulips LLC

Skillman, NJ

Lightbridge Academy

$975K
SBA financing: ≈ $1.9M–$3.2M
Est. revenue (rough)

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Novaminds LLC

Durham, NC

Lightbridge Academy

$732K
SBA financing: ≈ $1.4M–$2.4M
Est. revenue (rough)

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Central Ohio Childcare LLC

Dublin, OH

Lightbridge Academy

$871K
SBA financing: ≈ $1.7M–$2.8M
Est. revenue (rough)

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Similar businesses

Comparable child day care services in the public SBA 7(a) record — matched on industry, then location and deal size. Public records, not for-sale listings.

SERENDIPITY LEARNING CENTER LLC

Montclair, NJ

Child Day Care Services

$620K
SBA financing: ≈ $1.2M–$2.0M
Est. revenue (rough)

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Kiddie Academy of Rutherford

Rutherford, NJ

Kiddie Academy

$600K
SBA financing: ≈ $1.2M–$2.0M
Est. revenue (rough)

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SUNDANCE KIDS OF EATONTOWN LLC

Eatontown, NJ

The Learning Experience

$650K
SBA financing: ≈ $1.3M–$2.1M
Est. revenue (rough)

View record

STARS OF HOPE DAY CARE INC

Orange, NJ

Child Day Care Services

$596K
SBA financing: ≈ $1.2M–$1.9M
Est. revenue (rough)

View record

MY 2ND HOME CHILD NURTURING CENTER LLC

Lumberton, NJ

Child Day Care Services

$560K
SBA financing: ≈ $1.1M–$1.8M
Est. revenue (rough)

View record

KA at Colonia LLC

Colonia, NJ

Kiddie Academy

$558K
SBA financing: ≈ $1.1M–$1.8M
Est. revenue (rough)

View record

Agent summary

This page summarizes the public SBA 7(a) lending record for Bright Rays LLC in South Brunswick, NJ (Child Day Care Services). CapBench compiles public SBA loan data, lender activity, and business signals to help buyers and advisors evaluate acquisition financing — it does not list this business for sale.

2 SBA 7(a) loans totaling $680K
On record FY2020
48 jobs supported
Industry: Child Day Care Services
Location: South Brunswick, NJ
Lender: Manufacturers and Traders Trust Company

Buyers researching a deal like this usually check lender fit next: see the SBA lenders most active with Child Day Care Services businesses in NJ for ~$340k deals, then pre-qualify for 7(a) financing before making an offer. CapBench can arrange a lender introduction — free for buyers.

Next steps

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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/businesses/bright-rays-llc-nj
API:: https://www.capbench.com/api/public/businesses/bright-rays-llc-nj
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.
Financing figures are historical loan records, not a current offer or a loan approval. CapBench is not a lender.

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CapBench listing built from public SBA 7(a) lending records. Figures are as reported; verify before relying on them. Not affiliated with Bright Rays LLC.