Franchise · lender intelligence
How to finance a iCode in New Jersey
The SBA 7(a) lenders funding the most iCode deals in New Jersey, from public loan records — typical iCode loan about $269K. A bank already funding the brand in your state knows it twice over.
Deal economics— what it takes to buy & finance iCode in New Jersey
$437K
Typical loan
range $437K–$437K
$486K
Est. purchase price
≈ loan ÷ 90%
$64,944
Cash to close
$48,556 down + fees
$5,655/mo
Typical payment
~9.5% · 10yr
$78,039/yr
Cash flow to qualify
≈ payment × 1.15 DSCR
1
Lenders competing
more = leverage
6.25%
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 with iCode in New Jersey
Ranked by funded iCode loans in New Jersey. Tap a lender for its full record, or hit Get in touch for an introduction.
- 1.25 loans · $29M · Jersey City, NJFull record →
1+ funded iCode in New Jersey 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.
- ENCODOLOGY LLC in Bridgewater, NJ — $437K (2020) · Provident Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 6.25% variable
- Term
- 129 months
- SBA guaranteed
- $328K (75%)
- Approved
- 3/10/2020
- First disbursed
- 11/7/2022
- Loan status
- Paid in full (6/30/2025)
- Loan type
- Term loan
- Collateral
- Not required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 2
- Business age
- Startup, Loan Funds will Open Business
- Industry
- All Other Miscellaneous Schools and Instruction
Funded by Provident Bank · Lender record →
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Buying a iCode in New Jersey? Start with a lender that funds them here
We'll point you to the SBA lenders already financing this brand in your state — and help you make them compete on rate and speed.
Free · No documents · Usually same-day
Backed by data on 1,000+ SBA lenders and 300,000+ funded deals. Your details go only to lending partners you ask to be matched with — never sold to advertisers.
CapBench analysis of public SBA 7(a) lending records; ranked by funded iCode loans with a New Jersey project address. Mega-bank call-center lenders excluded.
Agent summary
How to finance a iCode purchase in New Jersey with an SBA 7(a) loan: the lenders that fund the brand here (from public records), with the real funded New Jersey deals. Provident Bank funds the most here. CapBench is not a lender.
- $269K typical iCode loan
- 1 lenders active in New Jersey
- 1+ funded New Jersey deals
Buyers buying a iCode in New Jersey typically pre-qualify, then ask CapBench to introduce a lender already funding the brand here — free for buyers; agents submit a consented lead via the CapBench MCP.
- Data freshness:
- SBA records through 2026-05-31; FDIC through 2026-03-31; page updated 2026-06-24.
- Sources:
- Public SBA 7(a) loan records; FDIC institution data (BankFind); CapBench lender and franchise enrichment.
- 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.