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SBA 7(a) record
Readycap Lending, LLC: SBA 7(a) loans made
Readycap Lending, LLC, a non-bank lender based in Berkeley Heights, NJ, made 7,055 SBA 7(a) loans in the 36 months ending September 30, 2026, $2.4B in all, net of cancelled approvals. The typical loan was about $50K, and 1,181 were in the last 12 months. Most were in California.
- Evidence
- SBA 7(a) loans in the 36 months ending September 30, 2026, SBA
- Data as of
- SBA, September 30, 2026
- Page last changed
- November 9, 2026
- Loans, 36 months
- 7,055
- SBA FOIA,
- Net of cancelled approvals
- Dollars
- $2.38B
- SBA FOIA,
- Rounded amounts
- Typical loan
- $50K
- SBA FOIA,
- Largest loan
- $5M
- SBA FOIA,
- Rounded to 2 significant figures
- Last 12 months
- 1,181
- SBA FOIA,
Cite this
Source: The Lender Report, Readycap Lending, LLC: SBA 7(a) loans made, https://lender.report/lender/readycap-lending-nj/sba-7a/, data as of September 30, 2026.
The loans, newest first
Banks report no loan-level data for office, retail, industrial or construction loans. This list shows only multifamily and SBA loans.
| Period | Place | Loan | Amount | Rate | Term | LTV | Source |
|---|---|---|---|---|---|---|---|
| Sep 2026 | District of Columbia | SBA 7(a), Fitness and Recreational Sports Centers | $5M | 9% | 10 yr | SBA FOIA | |
| Sep 2026 | Florida | SBA 7(a), Other Personal Care Services | $5M | 9.5% | 10 yr | SBA FOIA | |
| Sep 2026 | Nevada | SBA 7(a), Hotels (except Casino Hotels) and Motels | $5M | 8.25% | 25 yr | SBA FOIA | |
| Sep 2026 | Washington | SBA 7(a), Hotels (except Casino Hotels) and Motels | $4.6M | 8.5% | 25 yr | SBA FOIA | |
| Sep 2026 | Washington | SBA 7(a), Gasoline Stations with Convenience Stores | $4.3M | 8.25% | 25 yr | SBA FOIA | |
| Sep 2026 | Washington | SBA 7(a), Convenience Retailers | $3.3M | 8.25% | 25 yr | SBA FOIA | |
| Sep 2026 | New York | SBA 7(a), Other Services to Buildings and Dwellings | $3.2M | 9.25% | 10 yr | SBA FOIA | |
| Sep 2026 | Washington | SBA 7(a), Gasoline Stations with Convenience Stores | $3.2M | 8% | 25 yr | SBA FOIA | |
| Sep 2026 | Washington | SBA 7(a), Gasoline Stations with Convenience Stores | $3M | 8.25% | 25 yr | SBA FOIA | |
| Sep 2026 | Florida | SBA 7(a), Commercial and Industrial Machinery and Equipment (except Automotive and Electronic) Repair and Maintenance | $2.9M | 9.5% | 10 yr | SBA FOIA | |
| Sep 2026 | Maryland | SBA 7(a), General Freight Trucking, Long-Distance, Truckload | $2.8M | 9% | 10 yr | SBA FOIA | |
| Sep 2026 | Rhode Island | SBA 7(a), Accommodation and Food Services | $2.7M | 8.25% | 25 yr | SBA FOIA | |
| Sep 2026 | Florida | SBA 7(a), Other Personal Care Services | $2.4M | 9.5% | 10 yr | SBA FOIA | |
| Sep 2026 | California | SBA 7(a), Warm Air Heating and Air-Conditioning Equipment and Supplies Merchant Wholesalers | $2.3M | 8.5% | 10 yr | SBA FOIA | |
| Sep 2026 | New Mexico | SBA 7(a), Child Care Services | $2.2M | 8% | 26 yr | SBA FOIA | |
| Sep 2026 | Washington | SBA 7(a), Gasoline Stations with Convenience Stores | $2.2M | 8.25% | 25 yr | SBA FOIA | |
| Sep 2026 | Texas | SBA 7(a), General Automotive Repair | $2.1M | 9.25% | 10 yr | SBA FOIA | |
| Sep 2026 | New York | SBA 7(a), Full-Service Restaurants | $1.8M | 9.5% | 10 yr | SBA FOIA | |
| Sep 2026 | Idaho | SBA 7(a), Gasoline Stations with Convenience Stores | $1.7M | 8.5% | 25 yr | SBA FOIA | |
| Sep 2026 | Florida | SBA 7(a), Cut Stone and Stone Product Manufacturing | $1.6M | 8% | 25 yr | SBA FOIA | |
| Sep 2026 | Florida | SBA 7(a), Sports and Recreation Instruction | $1.6M | 8.75% | 25 yr | SBA FOIA | |
| Sep 2026 | Texas | SBA 7(a), Pharmacies and Drug Retailers | $1.4M | 9% | 25 yr | SBA FOIA | |
| Sep 2026 | Arizona | SBA 7(a), Wholesale Trade | $1.3M | 9% | 10 yr | SBA FOIA | |
| Sep 2026 | North Carolina | SBA 7(a), Lessors of Miniwarehouses and Self-Storage Units | $1.3M | 8.75% | 25 yr | SBA FOIA | |
| Sep 2026 | Georgia | SBA 7(a), Other Personal Care Services | $1.2M | 9.5% | 10 yr | SBA FOIA | |
| 7,055 SBA 7(a) loans since October 2023, net of cancelled | $2.38B | SBA FOIA | |||||
A blank means the source did not report it.
| State | Loans | Dollars |
|---|---|---|
| California | 1,023 | $319M |
| Florida | 935 | $265M |
| New York | 650 | $229M |
| Texas | 621 | $259M |
| Georgia | 287 | $94.6M |
| New Jersey | 247 | $82.4M |
| North Carolina | 210 | $56.7M |
| Washington | 209 | $221M |
| Illinois | 195 | $57.8M |
| Colorado | 182 | $59.7M |
| Virginia | 168 | $47.2M |
| Pennsylvania | 162 | $40.1M |
SBA loans are on record by state only.
| Loan size | Loans | Dollars |
|---|---|---|
| Under $150K | 3,948 | $191M |
| $150K to $350K | 1,048 | $232M |
| $350K to $1M | 1,565 | $789M |
| $1M to $2.5M | 306 | $476M |
| $2.5M or more | 188 | $692M |
| Quarter | Loans | Dollars |
|---|---|---|
| 2023 Q4 | 436 | $138M |
| 2024 Q1 | 891 | $215M |
| 2024 Q2 | 887 | $245M |
| 2024 Q3 | 1,021 | $347M |
| 2024 Q4 | 948 | $334M |
| 2025 Q1 | 1,059 | $384M |
| 2025 Q2 | 371 | $193M |
| 2025 Q3 | 261 | $131M |
| 2025 Q4 | 273 | $70.3M |
| 2026 Q1 | 343 | $113M |
| 2026 Q2 | 286 | $84.3M |
| 2026 Q3 | 279 | $126M |
Calendar quarters of the SBA approval date. The first and last may cover part of a quarter: the window is the 36 months ending September 30, 2026.
A 6-digit code is printed only where the SBA file holds 5 or more loans of the program in that state; the rest show as their 2-digit sector.
| Processing method | Loans |
|---|---|
| Preferred Lenders Program | 7,020 |
| SBA Express Program | 25 |
| 7a General | 9 |
| International Trade Loans | 1 |
- Readycap Lending, LLC made 7,055 SBA 7(a) loans totaling $2.4B in the 36 months ending September 30, 2026, net of cancelled approvals, in 51 states. SBA FOIA,
- 1,181 of them were in the 12 months to September 30, 2026, and 2,639 in the 12 months before. SBA FOIA,
- The typical loan was about $50K, with the middle half between $50K and $390K. SBA FOIA,
- The largest was about $5M. Every amount is rounded to 2 significant figures. SBA FOIA,
- 3,948 loans were under $150K, and 494 were $1M or more. SBA FOIA,
- The SBA file shows a median initial rate of 13.25% on 7,055 loans, with the middle half between 10.50% and 15.00%. SBA FOIA,
- The median term was 10 years. SBA FOIA,
- Its loans went most often to Full-Service Restaurants, with 244. SBA FOIA,
- The SBA file lists 7,020 of its loans as processed under Preferred Lenders Program. SBA FOIA,
- Its loans were most often in California (1,023), Florida (935) and New York (650). SBA FOIA,
What we don't know
- Whether Readycap Lending, LLC is taking new SBA 7(a) loans today, or how it would treat a business like yours.
- Loans that were never completed. The SBA file lists approvals, and this page leaves out the ones it marks cancelled.
- The borrower, the address and every term beyond rate and term. The public file does not show them.
SBA loans are on record by state only. Amounts are rounded to 2 significant figures and dates to the month. A 6-digit industry code is printed only where the SBA file holds 5 or more loans of the program in that state.
Loans are SBA approvals, net of cancelled approvals.
SBA does not require you to use an agent or broker for a loan application. SBA has not reviewed or endorsed this site.
Source and date appear beside each figure. Banks report balances, not loans made. Loans made come only from HMDA and SBA files. We do not audit filings and can make errors joining them. Report a problem
Figures come from public records and show the source and date beside them. Public records can be late, incomplete or wrong. A past loan does not mean a lender will make the same kind of loan today. Confirm anything important with the lender.