SBA lending data · fiscal year 2025

14 lenders funded all other specialty trade contractors in New Jersey last year

34 SBA 7(a) loans approved under NAICS 238990. Median approval $157,500, median term 120 months, median initial rate 11%.

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What was actually approved

34
loans approved
14
distinct lenders
$80k
25th percentile
$344k
75th percentile

Half of all approvals in this industry and state fell between $79,850 and $344,375. A request well outside that band is not impossible — it draws more scrutiny on collateral and management experience.

The most active lenders

Ranked by how many loans each actually approved in this industry and state — not by advertising spend. A lender that has written twenty of these already knows the questions to ask.

  1. 1Northeast Bank7 loans · $1.2M
  2. 2TD Bank, National Association4 loans · $0.4M
  3. 3Manufacturers and Traders Trust Company4 loans · $0.4M
  4. 4JPMorgan Chase Bank, National Association3 loans · $0.5M
  5. 5The Huntington National Bank3 loans · $0.5M
  6. 6Readycap Lending, LLC3 loans · $0.7M
  7. 7Magyar Bank2 loans · $2.3M
  8. 8Cross River Bank2 loans · $1.8M
  9. 9Heritage Bank Inc1 loan · $0.4M
  10. 10PNC Bank, National Association1 loan · $0M
  11. 11Magnifi Financial CU1 loan · $0.5M
  12. 12Wilmington Savings Fund Society FSB1 loan · $0.4M

This list is not a recommendation and these lenders have no relationship with this site. It reports approvals recorded in U.S. Small Business Administration, FOIA 7(a) and 504 loan approval data (data.sba.gov), fiscal year 2025, as of 2026-06-30.

Is this industry getting easier or harder to finance?

Fiscal yearLoansLendersMedian approval
FY20232511$100,000
FY20243613$100,000
FY20253414$157,500

Only completed fiscal years are shown. The SBA fiscal year ends 30 September; a partial year compared against full ones makes any industry look like it is closing.

Where this comes from

The SBA publishes every approved 7(a) and 504 loan under FOIA: the lender, the borrower's state, the industry code, the amount, the term and the initial rate. We indexed 4 fiscal years of it, alongside Census and BLS data. Figures on this page are as published on 2026-06-30.

This page reports approvals. It says nothing about how many applications were declined, and it is not a prediction about yours. This site is not affiliated with, endorsed by, or approved by the U.S. Small Business Administration.

Other industries in New Jersey

All Other Specialty Trade Contractors in other states

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