SBA by industry · NJ
SBA lenders for retail stores in New Jersey
85 lenders made 652 SBA loans to retail stores in New Jersey in the 36 months ending September 30, 2026. TD Bank, National Association made the most, with 144. The typical loan was about $220K.
- Evidence
- SBA 7(a) and 504 loans to retail stores in New Jersey, NAICS 44 and 45, excluding gas, convenience and pharmacy
- Data as of
- SBA, September 30, 2026
- Page last changed
- November 12, 2026
- Lenders on record
- 85
- SBA FOIA,
- SBA loans, 36 months
- 652
- SBA FOIA,
- 7(a) net of cancelled; 504 funded first liens
- Dollars, 36 months
- $368M
- SBA FOIA,
- Last 12 months
- 174
- SBA FOIA,
Cite this
Source: The Lender Report, SBA lenders for retail stores in New Jersey, https://lender.report/sba-lenders-for/retail/new-jersey/, data as of September 30, 2026.
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| Lender | Kind | Based in | Loans | Dollars | 7(a) | 504 | Last 12 months |
|---|---|---|---|---|---|---|---|
| TD Bank, National Association SBA 7(a) record | Bank | Wilmington, DE | 144 | $37.9M | 143 | 1 | 26 |
| Manufacturers and Traders Trust Company SBA 7(a) record | Bank | Buffalo, NY | 59 | $8.87M | 56 | 3 | 23 |
| Readycap Lending, LLC SBA 7(a) record | Non-bank | Berkeley Heights, NJ | 30 | $13.8M | 30 | 0 | 1 |
| Northeast Bank SBA 7(a) record | Bank | Portland, ME | 28 | $4.38M | 28 | 0 | 9 |
| JPMorgan Chase Bank, National Association SBA 7(a) record | Bank | Columbus, OH | 25 | $6.33M | 24 | 1 | 5 |
| BayFirst National Bank SBA 7(a) record | Bank | Saint Petersburg, FL | 22 | $3.84M | 22 | 0 | 0 |
| Provident Bank SBA 7(a) record | Savings | Jersey City, NJ | 21 | $24.0M | 18 | 3 | 4 |
| Newtek Bank, National Association SBA 7(a) record | Bank | Miami, FL | 17 | $8.56M | 17 | 0 | 7 |
| The Huntington National Bank SBA 7(a) record | Bank | Columbus, OH | 15 | $5.25M | 15 | 0 | 2 |
| Fulton Bank, National Association SBA 7(a) record | Bank | Lancaster, PA | 14 | $14.8M | 13 | 1 | 3 |
| FinWise Bank SBA 7(a) record | Bank | Murray, UT | 12 | $13.1M | 12 | 0 | 3 |
| Wilmington Savings Fund Society, FSB SBA 7(a) record | Savings | Wilmington, DE | 12 | $12.8M | 12 | 0 | 1 |
| Lendistry SBLC, LLC SBA 7(a) record | Non-bank | Los Angeles, CA | 12 | $1.67M | 12 | 0 | 2 |
| Wells Fargo Bank, National Association SBA 7(a) record | Bank | Sioux Falls, SD | 11 | $7.91M | 10 | 1 | 1 |
| PNC Bank, National Association SBA 7(a) record | Bank | Wilmington, DE | 11 | $2.81M | 10 | 1 | 2 |
| United Midwest Savings Bank, National Association SBA 7(a) record | Bank | Degraff, OH | 10 | $1.32M | 10 | 0 | 3 |
| Peapack Private Bank & Trust SBA 7(a) record | Bank | Bedminster, NJ | 9 | $10.2M | 9 | 0 | 2 |
| Financial Resources Credit Union SBA 7(a) record | Credit union | Branchburg, NJ | 8 | $9.16M | 8 | 0 | 6 |
| New Millennium Bank SBA 7(a) record | Bank | Fort Lee, NJ | 8 | $7.15M | 8 | 0 | 2 |
| Manasquan Bank SBA 7(a) record | Savings | Manasquan, NJ | 8 | $3.25M | 7 | 1 | 1 |
| Celtic Bank SBA 7(a) record | Bank | Salt Lake City, UT | 8 | $2.91M | 8 | 0 | 2 |
| Hanover Community Bank SBA 7(a) record | Bank | Garden City Park, NY | 7 | $13.7M | 7 | 0 | 0 |
| Woori America Bank SBA 7(a) record | Bank | New York, NY | 7 | $7.73M | 7 | 0 | 3 |
| Firstrust Savings Bank SBA 7(a) record | Savings | Conshohocken, PA | 7 | $7.29M | 7 | 0 | 3 |
| Live Oak Banking Company SBA 7(a) record | Bank | Wilmington, NC | 7 | $5.50M | 7 | 0 | 4 |
Dollars are approval amounts, rounded to 2 significant figures per loan, net of cancelled approvals.
| Industry | Loans |
|---|---|
| Beer, Wine, and Liquor Retailers | 92 |
| Clothing and Clothing Accessories Retailers | 67 |
| All Other Miscellaneous Retailers | 48 |
| All Other General Merchandise Retailers | 43 |
| Supermarkets and Other Grocery Retailers (except Convenience Retailers) | 41 |
| Used Car Dealers | 27 |
| Baked Goods Retailers | 25 |
| Cosmetics, Beauty Supplies, and Perfume Retailers | 21 |
| All Other Specialty Food Retailers | 19 |
| Furniture Retailers | 15 |
| Loan size | Loans |
|---|---|
| Under $150K | 243 |
| $150K to $350K | 150 |
| $350K to $1M | 153 |
| $1M to $2.5M | 82 |
| $2.5M or more | 31 |
- SBA lenders recorded 652 loans to retail stores totaling $368.3M in New Jersey in the 36 months ending September 30, 2026, excluding cancelled approvals. SBA FOIA,
- The typical loan was about $220K, with the middle half between $60K and $600K. SBA FOIA,
- 633 were SBA 7(a) loans and 26 were SBA 504 first liens. SBA FOIA,
- SBA 7(a) lenders reported a median initial rate of 10.50% on 633 loans. SBA FOIA,
- The median term was 10 years. SBA FOIA,
- Banks and savings institutions made 584 of the loans, credit unions 11, and non-banks 62. SBA FOIA,
- The five most active lenders made 43.9% of the loans. SBA FOIA,
- The three most active lenders were TD Bank, National Association with 144, Manufacturers and Traders Trust Company with 59, and Readycap Lending, LLC with 30. SBA FOIA,
- 243 of the loans were under $150K, and 113 were $1M or more. SBA FOIA,
- The SBA file shows 174 approvals of these loans dated in the 12 months to September 30, 2026, versus 252 in the 12 months before. Both counts leave out cancelled approvals and include 504 approvals not yet funded. SBA FOIA,
- 15 of the 85 lenders are based in New Jersey. The rest are based elsewhere, most often in New York, California and Pennsylvania. SBA FOIA,
- The most common detailed industry in New Jersey was Beer, Wine, and Liquor Retailers, with 92 loans. SBA FOIA,
How this list is defined
- Measure
- SBA loans made to retail stores in New Jersey
- Period
- October 2023 to September 2026
- Formula
- Count, by lender, of SBA 7(a) approvals and SBA 504 first liens located in New Jersey, dated in the 36 months ending September 30, 2026 and not cancelled, whose NAICS code in the SBA file falls in NAICS 44 and 45, excluding gas, convenience and pharmacy.
- Order
- Largest first by loans in the state, then dollars, then name. Payment is not part of the order.
- As of
- September 30, 2026
- Source
- SBA FOIA
- Changelog
- : First published, with the data built on this date.
What we don't know
- Whether any of these lenders is taking new SBA loans today, or how it would treat a business like yours.
- Loans that were never completed. The SBA file lists approvals, and these pages leave out the ones it marks cancelled.
- The borrower, the address and every term beyond rate and term. The public file does not show them.
Every loan counted here carried one of these NAICS codes in the SBA file, and the state of the loan is the state of the business. Loans are approvals, net of cancelled approvals. Lenders that merged or stopped filing are left out.
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.