SBA lending data · fiscal year 2025

46 lenders funded full-service restaurants in New Jersey last year

138 SBA 7(a) loans approved under NAICS 722511. Median approval $223,750, median term 120 months, median initial rate 10%.

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What was actually approved

138
loans approved
46
distinct lenders
$50k
25th percentile
$837k
75th percentile

Half of all approvals in this industry and state fell between $50,000 and $837,000. 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. 1TD Bank, National Association17 loans · $2.9M
  2. 2Northeast Bank16 loans · $2.9M
  3. 3Manufacturers and Traders Trust Company10 loans · $0.7M
  4. 4Newtek Bank, National Association8 loans · $3.8M
  5. 5Readycap Lending, LLC6 loans · $6.1M
  6. 6JPMorgan Chase Bank, National Association5 loans · $0.8M
  7. 7New Millennium Bank4 loans · $3M
  8. 8The Huntington National Bank4 loans · $1.2M
  9. 9Wilmington Savings Fund Society FSB4 loans · $2.9M
  10. 10Santander Bank, National Association4 loans · $0.2M
  11. 11Unity Bank3 loans · $2.9M
  12. 12Beacon Bank and Trust3 loans · $3.6M

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
FY202310536$255,000
FY202411637$245,250
FY202513846$223,750

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

Full-Service Restaurants in other states

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