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Lender record

Unity Bank

The real lending record — every figure from funded deals. HQ: 64 Old Highway 22, Clinton, NJ. 22 branches.

129

Recent deals (FY20+)

$750K

Typical deal

38 days

Approval → funding

0%

Failure rate (FY20–23)

Where Unity Bank lends

Deals Unity Bank funded — list all 120 as text

Deal profile

Most Unity Bank deals land between $400K and $1.5M — that range covers half of everything they fund. Top industries and states:

Industries they fund most

  1. 1.Full-Service Restaurants (21)
  2. 2.Fitness and Recreational Sports Centers (8)
  3. 3.Limited-Service Restaurants (6)
  4. 4.Hotels (except Casino Hotels) and Motels (6)
  5. 5.Drinking Places (Alcoholic Beverages) (5)
  6. 6.Beauty Salons (4)
  7. 7.Beer, Wine, and Liquor Stores (3)
  8. 8.Pet Care (except Veterinary) Services (3)

Most active states

  1. 1.New Jersey (87 deals)
  2. 2.New York (14 deals)
  3. 3.Minnesota (13 deals)
  4. 4.Pennsylvania (12 deals)
  5. 5.Montana (1 deals)
  6. 6.Delaware (1 deals)
  7. 7.Wisconsin (1 deals)

Franchises they finance most

Alpha Fit Club

3 deals

K-9 Resorts Daycare & Luxury Hotel

3 deals

Jersey Mike's

2 deals

La Diperie

1 deals

DQ Grill & Chill Operating Agreement (American Dairy Queen)

1 deals

Can Unity Bank fund you? The bank behind the loans

Total assets

$3.0B

▲ 2% vs prior quarter

Deposits on hand

$2.4B

▲ 2.4% vs prior quarter

Loans outstanding

$2.6B

▲ 2.2% vs prior quarter

Net income (latest qtr)

$14.2M

  • •SBA is a sideline here — this year's production is a rounding error against the loan book. Your deal competes with everything else they'd rather fund; a specialist bank will usually move faster. That makes Unity Bank more SBA-focused than 61% of the banks on our record.
  • •Deposits grew last quarter — more raw lending capacity than the quarter before.
  • •Return on assets of 1.9% — above the ~1% mark generally considered strong for a bank. How any of this translates to your rate is a question for the loan officer — pricing is set deal by deal.

FDIC call-report data, quarter ending 03/2026.

Walk into a Unity Bank branch (22)

Unity BankMain office64 Old Highway 22Clinton, NJ 08809 · since 1991

North Plainfield Branch450 Somerset StNorth Plainfield, NJ 07060 · since 1929

Flemington Branch157 Main StFlemington, NJ 08822 · since 1995

Scotch Plains Township Branch2222 South AvenueScotch Plains Township, NJ 07076 · since 1996

Union Branch945 Stuyvesant AveUnion, NJ 07083 · since 1996

Linden Branch628 N Wood AveLinden, NJ 07036 · since 1997

Edison Branch1746 Oak Tree RdEdison, NJ 08820 · since 1999

South Plainfield Branch2426 Plainfield AveSouth Plainfield, NJ 07080 · since 1999

Whitehouse Branch370 Route 22Whitehouse Station, NJ 08889 · since 1999

Highland Park Branch104 Raritan AveHighland Park, NJ 08904 · since 1999

Phillipsburg Branch1225 Us - 22 WPhillipsburg, NJ 08865 · since 2003

Forks Township Branch1700 Sullivan TrlEaston, PA 18040 · since 2006

Middlesex Branch1230 Bound Brook RdMiddlesex, NJ 08846 · since 2007

Washngton Branch5 E Asbury Anderson RdWashington, NJ 07882 · since 2012

Somerset Branch120 Cedar Grove LnSomerset, NJ 08873 · since 2012

Emerson Branch4 Emerson Plz WEmerson, NJ 07630 · since 2016

Somerville Branch12 Mountain AveSomerville, NJ 08876 · since 2016

Bethlehem Branch2850 Easton AveBethlehem, PA 18017 · since 2018

Lakewood Branch Office1255 Route 70Lakewood, NJ 08701 · since 2022

Fort Lee Branch Office899 Palisade AveFort Lee, NJ 07024 · since 2023

Lake Hiawatha Branch66 N. Beverwyck RoadLake Hiawatha, NJ 07034 · since 2023

Unity Bank - Madison Branch269 Main StMadison, NJ 07940 · since 2025

Scroll for all 22 branches · Branch data: FDIC BankFind.

Recent deals

  • FRANK ANTHONY SALON INC. in Chester, NJ — $5.0M (2026) · Beauty Salons
  • Keshavkrupa1 LLC in Linden, NJ — $1.9M (2026) · purchase · Full-Service Restaurants
  • ENDRESS AUTOMOTIVE LLC in Hampton, NJ — $1.2M (2026) · purchase · General Automotive Repair
  • Drumming Bee Brewing Company LLC in Washington, NJ — $639K (2026) · Breweries
  • Ramm Food Times Square NY LLC in New York, NY — $560K (2026) · Snack and Nonalcoholic Beverage Bars
  • NPC Pharma LLC in Elizabeth, NJ — $2.9M (2025) · purchase · Pharmacies and Drug Retailers
  • Hidden Flask Lounge LLC in South Bound Brook, NJ — $1.4M (2025) · purchase · Full-Service Restaurants
  • NPC Pharma LLC in Elizabeth, NJ — $1.3M (2025) · purchase · Pharmacies and Drug Retailers
  • AK Holdings Group LLC in Pompton Lakes, NJ — $1.3M (2025) · purchase · Car Washes
  • Sheena1 Inc in Pennsauken, NJ — $980K (2025) · purchase · Full-Service Restaurants

Hover or tap a deal for terms: program, rate, SBA guarantee, days to fund.

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Businesses Unity Bank financed

119 businesses on record — the 60 largest by funding. Each links to its full SBA record.

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CapBench analysis of public lending records, FY2020–present. Not affiliated with Unity Bank.

Agent summary

This page summarizes Unity Bank's public SBA 7(a) lending record — deal sizes, industries, geography, and FDIC profile — from CapBench SBA Intelligence. CapBench is not a lender and does not originate or approve loans.

  • 129 SBA 7(a) loans on record
  • $750K typical deal
  • 25 business-acquisition loans
  • HQ: 64 Old Highway 22, Clinton, NJ
  • 22 FDIC branch locations
  • FDIC total assets $3.0B

Next steps

Request an introRank lendersPre-qualify a deal
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/unity-bank
API:
https://www.capbench.com/api/public/lenders/unity-bank
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.
  • Lender matches are informational and based on public lending activity — they do not guarantee lender interest or approval.

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