Lender intelligence

Most active SBA lenders in New Jersey

Industry:

New Jersey has 26 FDIC-insured banks, but only a fraction fund business purchases. These 25 banks closed 1,758 SBA 7(a) loans in New Jersey in the last 12 months. A lender funding deals here every week knows the local market and moves faster — start at the top.

Deal economics— what it takes to buy & finance New Jersey acquisitions

$706K

Typical loan

range $348K–$1.52M

$784K

Est. purchase price

≈ loan ÷ 90%

$107,567

Cash to close

$78,444 down + fees

$9,135/mo

Typical payment

~9.5% · 10yr

$126,063/yr

Cash flow to qualify

≈ payment × 1.15 DSCR

100.0%

Still performing

0% default · FY20–23

26 days

Typical time to fund

104

Lenders competing

more = leverage

9.83%

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.

1.1,322 loans · $185M · Wilmington, DEFull record →
2.1,927 loans · $207M · Buffalo, NYFull record →
3.3 loans · $2M · Minneapolis, MNFull record →
4.3,264 loans · $846M · Miami, FLFull record →
5.2,539 loans · $965M · Columbus, OHFull record →
6.1,296 loans · $1.4B · Wilmington, NCFull record →
7.1,025 loans · $292M · Berkeley Heights, NJFull record →
8.868 loans · $362M · Salt Lake City, UTFull record →
9.105 loans · $72M · Wilmington, DEFull record →
10.65 loans · $52M · Lancaster, PAFull record →
11.20 loans · $8M · Saint Petersburg, FLFull record →
12.25 loans · $29M · Jersey City, NJFull record →
13.499 loans · $106M · Los Angeles, CAFull record →
14.128 loans · $40M · Wilmington, DEFull record →
15.575 loans · $220M · De Graff, OHFull record →
16.13 loans · $18M · Roseburg, ORFull record →
17.46 loans · $46M · Murray, UTFull record →
18.318 loans · $229M · Osage Beach, MOFull record →
19.741 loans · $149M · Northbrook, ILFull record →
20.15 loans · $3M · Princeton, NJFull record →
21.24 loans · $17M · Wayne, PAFull record →
22.11 loans · $7M · New Brunswick, NJFull record →
23.168 loans · $205M · Fishers, INFull record →
24.11 loans · $10M · Bedminster, NJFull record →
25.105 loans · $51M · Fitzgerald, GAFull record →

523+ funded 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.

FUNZILLA LLC in Delran, NJ — $5.0M (2026) · purchase · Live Oak Banking Company
Program
Preferred Lenders Program
Rate at approval
7.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$3.8M (75%)
Approved
1/27/2026
Loan status
Committed
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
70
Business age
Change of Ownership
Industry
All Other Amusement and Recreation Industries
If you were the buyer here
Est. deal size
$5.6M
Est. down payment (10%)
$556K
Est. cash at closing
$769K
Monthly payment
$60,005
Annual debt service
$720K
Cash flow needed (1.25×)
$900K
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 Live Oak Banking Company · Lender record →
Your business? Claim this record · Request removal
Grit Capital LLC in Hamilton, NJ — $5.0M (2026) · purchase · Citizens Bank, National Association
Program
Preferred Lenders Program
Rate at approval
8.4% variable
Term
120 mo (10 yrs)
SBA guaranteed
$3.8M (75%)
Approved
12/8/2025
Loan status
Cancelled
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
43
Business age
Change of Ownership
Industry
Wood Office Furniture Manufacturing
If you were the buyer here
Est. deal size
$5.6M
Est. down payment (10%)
$556K
Est. cash at closing
$769K
Monthly payment
$61,726
Annual debt service
$741K
Cash flow needed (1.25×)
$926K
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 Citizens Bank, National Association · Lender record →
Your business? Claim this record · Request removal
Wizcom Corporation in Princeton, NJ — $4.9M (2026) · purchase · Pathward National Association
Program
Preferred Lenders Program
Rate at approval
9.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$3.7M (75%)
Approved
2/25/2026
Loan status
Committed
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
50
Business age
Change of Ownership
Industry
Custom Computer Programming Services
If you were the buyer here
Est. deal size
$5.4M
Est. down payment (10%)
$544K
Est. cash at closing
$753K
Monthly payment
$62,736
Annual debt service
$753K
Cash flow needed (1.25×)
$941K
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 Pathward National Association · Lender record →
Your business? Claim this record · Request removal
Tech Fortis Corporation in Branchburg, NJ — $4.9M (2026) · purchase · Financial Resources Federal Credit Union
Program
Preferred Lenders Program
Rate at approval
9.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$3.7M (75%)
Approved
12/18/2025
Loan status
Committed
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
2
Business age
Change of Ownership
Industry
Computing Infrastructure Providers, Data Processing, Web Hos
If you were the buyer here
Est. deal size
$5.4M
Est. down payment (10%)
$542K
Est. cash at closing
$750K
Monthly payment
$62,480
Annual debt service
$750K
Cash flow needed (1.25×)
$937K
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 Financial Resources Federal Credit Union · Lender record →
Your business? Claim this record · Request removal
ESCAPE NEWPORT, LLC in Mountain Lakes, NJ — $3.9M (2026) · purchase · Fifth Third Bank
Program
Preferred Lenders Program
Rate at approval
9.25% fixed
Term
120 mo (10 yrs)
SBA guaranteed
$2.9M (75%)
Approved
1/29/2026
Loan status
Committed
Loan type
Term loan
Collateral
Required
Business type
Corporation
Business age
Change of Ownership
Industry
All Other Amusement and Recreation Industries
If you were the buyer here
Est. deal size
$4.3M
Est. down payment (10%)
$433K
Est. cash at closing
$599K
Monthly payment
$49,946
Annual debt service
$599K
Cash flow needed (1.25×)
$749K
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 Fifth Third Bank · Lender record →
Your business? Claim this record · Request removal
Roberts Engineering Group, LLC in Hamilton, NJ — $3.9M (2026) · purchase · Port 51 Lending LLC
Program
Preferred Lenders Program
Rate at approval
9.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$2.9M (75%)
Approval → funding
83 days
Approved
11/14/2025
First disbursed
2/5/2026
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
18
Business age
Change of Ownership
Industry
Engineering Services
If you were the buyer here
Est. deal size
$4.3M
Est. down payment (10%)
$431K
Est. cash at closing
$595K
Monthly payment
$50,673
Annual debt service
$608K
Cash flow needed (1.25×)
$760K
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 Port 51 Lending LLC · Lender record →
Your business? Claim this record · Request removal
Flushing Oral Surgery - Dental Implants P.C. in Westfield, NJ — $3.6M (2026) · purchase · Live Oak Banking Company
Program
Preferred Lenders Program
Rate at approval
6.99% variable
Term
305 months
SBA guaranteed
$2.7M (75%)
Approved
2/4/2026
Loan status
Committed
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
12
Business age
Change of Ownership
Industry
Offices of Dentists
If you were the buyer here
Est. deal size
$4.0M
Est. down payment (10%)
$404K
Est. cash at closing
$558K
Monthly payment
$25,513
Annual debt service
$306K
Cash flow needed (1.25×)
$383K
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 Live Oak Banking Company · Lender record →
Your business? Claim this record · Request removal
A&A INGREDIENT HOLDINGS LLC in Paterson, NJ — $3.6M (2026) · purchase · BankUnited, National Association
Program
International Trade Loans
Subprogram
International Trade - Sec, 7(a
Rate at approval
6.52% fixed
Term
120 mo (10 yrs)
SBA guaranteed
$3.2M (90%)
Approval → funding
8 days
Approved
1/29/2026
First disbursed
2/6/2026
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
10
Business age
Change of Ownership
Industry
Spice and Extract Manufacturing
If you were the buyer here
Est. deal size
$4.0M
Est. down payment (10%)
$395K
Est. cash at closing
$546K
Monthly payment
$40,414
Annual debt service
$485K
Cash flow needed (1.25×)
$606K
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 BankUnited, National Association · Lender record →
Your business? Claim this record · Request removal
OPC ACQUISITION LLC in Cedar Grove, NJ — $3.0M (2026) · purchase · Live Oak Banking Company
Program
Preferred Lenders Program
Rate at approval
8% variable
Term
120 mo (10 yrs)
SBA guaranteed
$2.3M (75%)
Approved
1/30/2026
Loan status
Committed
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
40
Business age
Change of Ownership
Industry
Special Die and Tool, Die Set, Jig, and Fixture Manufacturin
If you were the buyer here
Est. deal size
$3.3M
Est. down payment (10%)
$333K
Est. cash at closing
$460K
Monthly payment
$36,398
Annual debt service
$437K
Cash flow needed (1.25×)
$546K
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 Live Oak Banking Company · Lender record →
Your business? Claim this record · Request removal
Great Rise LLC in Avenel, NJ — $2.7M (2026) · purchase · Columbia Bank
Program
Preferred Lenders Program
Rate at approval
8.5% variable
Term
300 mo (25 yrs)
SBA guaranteed
$2.0M (75%)
Approved
3/4/2026
Loan status
Committed
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
15
Business age
Change of Ownership
Industry
Full-Service Restaurants
If you were the buyer here
Est. deal size
$3.0M
Est. down payment (10%)
$303K
Est. cash at closing
$419K
Monthly payment
$21,983
Annual debt service
$264K
Cash flow needed (1.25×)
$330K
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 Columbia Bank · Lender record →
Your business? Claim this record · Request removal
Everkind Care Inc. in Somerset, NJ — $2.5M (2026) · purchase · American National Bank
Program
Preferred Lenders Program
Rate at approval
7.55% variable
Term
120 mo (10 yrs)
SBA guaranteed
$1.9M (75%)
Approval → funding
14 days
Approved
11/17/2025
First disbursed
12/1/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
99
Business age
Change of Ownership
Industry
Home Health Care Services
If you were the buyer here
Est. deal size
$2.8M
Est. down payment (10%)
$283K
Est. cash at closing
$390K
Monthly payment
$30,246
Annual debt service
$363K
Cash flow needed (1.25×)
$454K
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 American National Bank
Your business? Claim this record · Request removal
GTL Construction of New Jersey Inc. in Cedar Knolls, NJ — $2.5M (2026) · purchase · Ameris Bank
Program
Preferred Lenders Program
Rate at approval
9.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$1.9M (75%)
Approval → funding
7 days
Approved
1/23/2026
First disbursed
1/30/2026
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
10
Business age
Change of Ownership
Industry
Commercial and Institutional Building Construction
If you were the buyer here
Est. deal size
$2.8M
Est. down payment (10%)
$280K
Est. cash at closing
$386K
Monthly payment
$32,582
Annual debt service
$391K
Cash flow needed (1.25×)
$489K
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 Ameris Bank · Lender record →
Your business? Claim this record · Request removal
East Brunswick Liquors INC in East Brunswick, NJ — $2.1M (2026) · purchase · Spring Bank
Program
Preferred Lenders Program
Rate at approval
8.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$1.6M (75%)
Approved
2/10/2026
Loan status
Committed
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
13
Business age
Change of Ownership
Industry
Beer, Wine, and Liquor Retailers
If you were the buyer here
Est. deal size
$2.3M
Est. down payment (10%)
$233K
Est. cash at closing
$321K
Monthly payment
$26,319
Annual debt service
$316K
Cash flow needed (1.25×)
$395K
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 Spring Bank · Lender record →
Your business? Claim this record · Request removal
A Pleasant Oasis LLC in North Haledon, NJ — $2.0M (2026) · purchase · Live Oak Banking Company
Program
Preferred Lenders Program
Rate at approval
8.5% variable
Term
300 mo (25 yrs)
SBA guaranteed
$1.5M (75%)
Approval → funding
40 days
Approved
11/20/2025
First disbursed
12/30/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
14
Business age
Change of Ownership
Industry
Assisted Living Facilities for the Elderly
If you were the buyer here
Est. deal size
$2.2M
Est. down payment (10%)
$219K
Est. cash at closing
$302K
Monthly payment
$15,903
Annual debt service
$191K
Cash flow needed (1.25×)
$239K
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 Live Oak Banking Company · Lender record →
Your business? Claim this record · Request removal
Keshavkrupa1 LLC in Linden, NJ — $1.9M (2026) · purchase · Unity Bank
Program
Preferred Lenders Program
Rate at approval
9.25% variable
Term
300 mo (25 yrs)
SBA guaranteed
$1.4M (75%)
Approval → funding
105 days
Approved
11/14/2025
First disbursed
2/27/2026
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
18
Business age
Change of Ownership
Industry
Full-Service Restaurants
If you were the buyer here
Est. deal size
$2.1M
Est. down payment (10%)
$206K
Est. cash at closing
$283K
Monthly payment
$15,843
Annual debt service
$190K
Cash flow needed (1.25×)
$238K
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 Unity Bank · Lender record →
Your business? Claim this record · Request removal
ASA Ventures LLC in Bordentown, NJ — $1.8M (2026) · purchase · Columbia Bank
Program
Preferred Lenders Program
Rate at approval
8.5% variable
Term
300 mo (25 yrs)
SBA guaranteed
$1.3M (75%)
Approved
3/5/2026
Loan status
Committed
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
15
Business age
Change of Ownership
Industry
Full-Service Restaurants
If you were the buyer here
Est. deal size
$2.0M
Est. down payment (10%)
$197K
Est. cash at closing
$270K
Monthly payment
$14,253
Annual debt service
$171K
Cash flow needed (1.25×)
$214K
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 Columbia Bank · Lender record →
Your business? Claim this record · Request removal
Recharging Corp. in Montvale, NJ — $1.7M (2026) · purchase · Pathward National Association
Program
Preferred Lenders Program
Rate at approval
9.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$1.3M (75%)
Approved
3/17/2026
Loan status
Committed
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
4
Business age
Change of Ownership
Industry
Offices of Other Holding Companies
If you were the buyer here
Est. deal size
$1.9M
Est. down payment (10%)
$191K
Est. cash at closing
$263K
Monthly payment
$22,015
Annual debt service
$264K
Cash flow needed (1.25×)
$330K
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 Pathward National Association · Lender record →
Your business? Claim this record · Request removal
Unified Air Industries Corp in Plainfield, NJ — $1.7M (2026) · purchase · First Merchants Bank
Program
Preferred Lenders Program
Rate at approval
9.5% variable
Term
300 mo (25 yrs)
SBA guaranteed
$1.2M (75%)
Approved
12/19/2025
Loan status
Committed
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
26
Business age
Change of Ownership
Industry
Plumbing, Heating, and Air-Conditioning Contractors
If you were the buyer here
Est. deal size
$1.8M
Est. down payment (10%)
$185K
Est. cash at closing
$254K
Monthly payment
$14,512
Annual debt service
$174K
Cash flow needed (1.25×)
$218K
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 Merchants Bank · Lender record →
Your business? Claim this record · Request removal
Sweeney Life Celebration Studio LLC in Maple Shade, NJ — $1.6M (2026) · purchase · Mid Penn Bank
Program
Preferred Lenders Program
Rate at approval
9% variable
Term
300 mo (25 yrs)
SBA guaranteed
$1.2M (75%)
Approval → funding
6 days
Approved
11/20/2025
First disbursed
11/26/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
2
Business age
Change of Ownership
Industry
Funeral Homes and Funeral Services
If you were the buyer here
Est. deal size
$1.8M
Est. down payment (10%)
$181K
Est. cash at closing
$249K
Monthly payment
$13,679
Annual debt service
$164K
Cash flow needed (1.25×)
$205K
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 Mid Penn Bank · Lender record →
Your business? Claim this record · Request removal
Joe WC 1999 Inc in Trenton, NJ — $1.6M (2026) · purchase · Port 51 Lending LLC
Program
Preferred Lenders Program
Rate at approval
10% variable
Term
300 mo (25 yrs)
SBA guaranteed
$1.2M (75%)
Approval → funding
46 days
Approved
11/13/2025
First disbursed
12/29/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
25
Business age
Change of Ownership
Industry
Limited-Service Restaurants
If you were the buyer here
Est. deal size
$1.8M
Est. down payment (10%)
$181K
Est. cash at closing
$248K
Monthly payment
$14,766
Annual debt service
$177K
Cash flow needed (1.25×)
$221K
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 Port 51 Lending LLC · Lender record →
Your business? Claim this record · Request removal

Buying in New Jersey? Start with a lender that already funds deals here

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By submitting, I agree that CapBench may share my contact information with SBA lending partners and loan brokers (including partners who compensate CapBench), and that they and CapBench may contact me about financing by phone, email, and text — including via autodialed or prerecorded calls and messages — at the phone number and email I provide. Consent is not a condition of any purchase or service, and message and data rates may apply. CapBench is not a lender and makes no credit decision.

CapBench analysis of public SBA lending records, trailing 12 months. Rankings count funded 7(a) loans with a New Jersey project address.

Agent summary

The SBA 7(a) lenders most active in New Jersey over the trailing 12 months, from public loan records, led by TD Bank, National Association. A lender that funds deals here every week underwrites faster and knows the local market. CapBench is not a lender.

25 active SBA lenders ranked
1,758 New Jersey loans (12 mo)
$706K typical acquisition loan
26 days typical to fund

Buyers buying in New Jersey typically pre-qualify, then ask CapBench to introduce a lender already closing deals here — free for buyers; agents submit a consented lead via the CapBench MCP.

Next steps

Pre-qualify this deal Talk to a loan broker

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/state/new-jersey
API:: https://www.capbench.com/api/public/lenders?state=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.