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Lender record

Unity Bank

The real lending record — every figure below is drawn from public SBA 7(a) loan records (FY2020–present): the loans Unity Bank funded, the businesses, the branches, and its FDIC profile. HQ: 64 Old Highway 22, Clinton, NJ. 22 branches.

Unity Bank banner

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

$3.2B

▲ 5.6% vs prior quarter

Deposits on hand

$2.5B

▲ 3.5% vs prior quarter

Loans outstanding

$2.6B

▲ 3.1% vs prior quarter

Net income (latest qtr)

$29.1M

  • •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 56% of the banks on our record.
  • •Deposits grew last quarter — more raw lending capacity than the quarter before.
  • •Return on assets of 1.91% — 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 06/2026.

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
  • FDIC total assets $3.2B

Next steps

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Data freshness:
SBA records through 2026-05-31; FDIC through 2026-03-31; page updated 2026-10-11.
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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