Commercial Lenders in New Jersey
Browse 179 lenders serving New Jersey across DSCR, SBA, bridge, construction, hard money, and more.
New Jersey Lenders by Loan Type
DSCR Loans
7.0% - 9.5% · 20-25% downSBA 7(a) Loans
Prime + 1.5% to 3.75% · 10-20% downSBA 504 Loans
Below market (CDC portion ~5-6%) · 10% downBridge Loans
8% - 12% · 20-30% downConstruction Loans
7% - 10% · 20-35% downCommercial Mortgage
6% - 8% · 20-30% downHard Money Loans
9% - 12%+ · 10-25%+ cash in downCMBS Loans
5.5% - 8% · 25-35% downMezzanine Loans
6.75% - 11.97% · Often 10-25% sponsor equity downUSDA Business Loans
Fixed or variable, negotiated with lender · 10% existing business, 20% new business downNon-QM Loans
6.5% - 10% · 10-25% downAll New Jersey Lenders
179 commercial lenders serving New Jersey.
Readycap Lending, LLC
SBABERKELEY HEIGHTS, NJ
Non-bank SBA preferred lender offering SBA 7(a) and 504 loans nationwide. Specializes in commercial real estate, business acquisition, and expansion financing for small businesses. Known for fast closings and flexible underwriting.
ConnectOne Bank
SBAENGLEWOOD CLIFFS, NJ
New Jersey-based commercial bank offering SBA 7(a) loans, commercial real estate, construction lending, and business banking. Serves entrepreneurs and businesses in the New York-New Jersey metro area.
Constitution Lending
NJ
Hard money lender focused on new investors. Fix-and-flip and bridge loans with 9.5-12% rates. No experience required. Up to 90% LTV for renovation.
TD Bank
Cherry Hill, NJ
Top-10 US bank with commercial real estate and SBA lending. Investor-friendly with quick approvals. Strong in eastern US markets.
Arc Home
NJ
Wholesale and correspondent lender offering DSCR loans for real estate investors. Part of Angelo Gordon's platform with competitive non-QM pricing.
Financial Resources Federal Credit Union
SBABranchburg, NJ
Provident Bank
SBAJERSEY CITY, NJ
New Millennium Bank
SBAFORT LEE, NJ
Cross River Bank
SBAFort Lee, NJ
Peapack Private Bank and Trust
SBABedminster, NJ
Columbia Bank
SBAFair Lawn, NJ
Unity Bank
SBACLINTON, NJ
Magyar Bank
SBANEW BRUNSWICK, NJ
First Bank
SBAHAMILTON, NJ
Manasquan Bank
SBAWALL TOWNSHIP, NJ
1st Colonial Community Bank
SBACOLLINGSWOOD, NJ
Somerset Regal Bank
SBABOUND BROOK, NJ
Live Oak Banking Company
SBAWILMINGTON, NC
One of the nation's top SBA 7(a) lenders, specializing in lending to small businesses across healthcare, veterinary, beverage, self-storage, and other industries. Offers SBA loans, USDA loans, conventional business loans, and commercial real estate financing.
The Huntington National Bank
SBACOLUMBUS, OH
Major regional bank and consistently one of the top SBA lenders in the country by number of loans. Offers SBA 7(a) and 504 loans alongside conventional business lending, commercial real estate, and treasury management services.
Newtek Bank, National Association
SBAMiami, FL
Technology-driven SBA preferred lender providing 7(a) loans to small and medium-sized businesses nationwide. Part of Newtek Business Services Corp, offering integrated business solutions including lending, payments, and technology services.
U.S. Bank, National Association
SBACincinnati, OH
Fifth-largest commercial bank in the U.S. and a top SBA preferred lender. Offers SBA 7(a) and 504 loans, conventional commercial lending, commercial real estate, and a full suite of business banking products.
Celtic Bank Corporation
SBASALT LAKE CITY, UT
Industrial bank and top SBA preferred lender headquartered in Salt Lake City. Specializes in SBA 7(a) lending for business acquisitions, partner buyouts, commercial real estate, and working capital. Also offers USDA business loans.
Harvest Small Business Finance, LLC
SBALaguna Hills, CA
Non-bank SBA preferred lender specializing in SBA 7(a) loans for commercial real estate acquisition and refinancing. Focuses on owner-occupied commercial properties with loans up to $5 million.
Bank of Hope
SBALOS ANGELES, CA
One of the largest Korean-American banks in the U.S. and a top SBA 7(a) lender. Offers commercial real estate loans, SBA lending, trade finance, and full-service commercial banking with branches across major metro areas.
Wells Fargo Bank National Association
SBASioux Falls, SD
One of the largest banks in the U.S. and a major SBA preferred lender. Offers the full range of SBA programs including 7(a) and 504 loans, alongside conventional commercial lending, commercial real estate, and equipment financing.
First Internet Bank of Indiana
SBAFISHERS, IN
Nation's first state-chartered, FDIC-insured internet bank and a top SBA preferred lender. Offers SBA 7(a) loans, conventional commercial lending, franchise financing, and healthcare practice loans nationwide.
First Bank of the Lake
SBAOsage Beach, MO
Community bank based at the Lake of the Ozarks and a top SBA 7(a) preferred lender. Specializes in SBA lending for business acquisitions, commercial real estate, and partner buyouts. Known for lending to franchises and hospitality businesses.
United Midwest Savings Bank National Association
SBADE GRAFF, OH
Community bank and SBA preferred lender based in Ohio. Specializes in SBA 7(a) loans for small businesses, including business acquisitions, commercial real estate, and working capital financing.
Fifth Third Bank
SBACINCINNATI, OH
Major regional bank and SBA preferred lender with operations across the Midwest and Southeast. Offers SBA 7(a) and 504 loans, conventional commercial lending, equipment financing, and commercial real estate loans.
Byline Bank
SBACHICAGO, IL
Chicago-based bank and one of the top SBA 7(a) lenders in the Midwest. Provides SBA loans, commercial real estate financing, equipment loans, and government-guaranteed lending for small and mid-sized businesses.
Complete New Jersey Lender Directory
All 179 commercial lenders serving New Jersey, A–Z.
- 22nd State Bank, A Division of 22nd State Banking Company — Mobile, AL
- A&D Mortgage — Fort Lauderdale, FL
- Accion Opportunity Fund Community Development — San Jose, CA
- Acore Capital — New York, NY
- Acra Lending
- Alma Bank — Astoria, NY
- Aloha Capital
- American National Bank — Omaha, NE
- Ameris Bank — ATLANTA, GA
- Anchor Loans — Thousand Oaks, CA
- Angel Oak Mortgage Solutions — Atlanta, GA
- Angel Oak Mortgage Solutions — Atlanta, GA
- Arbor Realty Trust — Uniondale, NY
- Athas Capital Group
- Bank Five Nine — OCONOMOWOC, WI
- Bank of America — Charlotte, NC
- Bank of America, National Association — Charlotte, NC
- BankUnited, National Association — MIAMI LAKES, FL
- Bankwell Bank — New Canaan, CT
- Barclays — New York, NY
- Berkadia — Ambler, PA
- Broadmark Realty Capital — Seattle, WA
- Brookline Bank, a Division of Beacon Bank and Trust — Brookline, MA
- Cadence Bank — TUPELO, MS
- Capital One, National Association — MCLEAN, VA
- Carrington Mortgage Services — Anaheim, CA
- Cathay Bank — LOS ANGELES, CA
- CBRE Capital Markets — Dallas, TX
- CenTrust Bank, A Division of SmartBiz Bank National Associat — Northbrook, IL
- Change Lending
- Citigroup — New York, NY
- Citizens Bank — ELIZABETHTON, TN
- Citizens Bank, National Association — PROVIDENCE, RI
- Civic Financial Services — Redondo Beach, CA
- Climate First Bank — St. Petersburg, FL
- Colony Bank — FITZGERALD, GA
- Commercial Bank of California — IRVINE, CA
- Commonwealth Business Bank — LOS ANGELES, CA
- CoreVest Finance — Irvine, CA
- CRF Small Business Loan Company, LLC — MINNEAPOLIS, MN
- CrossCountry Mortgage — Cleveland, OH
- Cushman & Wakefield — Chicago, IL
- Customers Bank — Malvern, PA
- Deephaven Mortgage — Charlotte, NC
- Defy Mortgage
- Deutsche Bank — New York, NY
- Dime Community Bank — Hauppauge, NY
- Easy Street Capital — Austin, TX
- Empire State Certified Development Corporation — Latham, NY
- Finance of America — Plano, TX
- FinWise Bank — SANDY, UT
- First Financial Bank — Cincinnati, OH
- First National Bank of America — East Lansing, MI
- First National Bank of Pennsylvania — GREENVILLE, PA
- First Savings Bank — Beresford, SD
- Firstrust Savings Bank — CONSHOHOCKEN, PA
- Flagstar Bank — Hicksville, NY
- Flushing Bank — Uniondale, NY
- Fulton Bank, National Association — LANCASTER, PA
- FWBank — Chicago, IL
- Goldman Sachs — New York, NY
- Grasshopper Bank National Association — New York, NY
- Greystone — New York, NY
- Griffin Funding
- Groundfloor — Atlanta, GA
- Gulf Coast Bank and Trust Company — NEW ORLEANS, LA
- Hanmi Bank — LOS ANGELES, CA
- HomeXpress Mortgage
- Hyperion Bank — Philadelphia, PA
- iBorrow
- Janover — Boca Raton, FL
- JLL Capital Markets — Chicago, IL
- JMAC Lending
- JPMorgan Chase — New York, NY
- JPMorgan Chase Bank, National Association — Columbus, OH
- KeyBank National Association — CLEVELAND, OH
- KeyBank Real Estate Capital — Cleveland, OH
- Kiavi — San Francisco, CA
- Kind Lending — Santa Ana, CA
- Lending One — Boca Raton, FL
- LendingClub Bank, National Association — LEHI, UT
- Lendistry SBLC, LLC — Los Angeles, CA
- Lima One Capital — Greenville, SC
- LoanCore Capital — Hartford, CT
- Lument — New York, NY
- Luxury Mortgage Corp — Stamford, CT
- Magnifi Financial CU — MELROSE, MN
- Manufacturers and Traders Trust Company — BUFFALO, NY
- Merchants Capital — Indianapolis, IN
- Meridian Bank — MALVERN, PA
- Mesa West Capital — Los Angeles, CA
- Metro City Bank — DORAVILLE, GA
- Midwest BankCentre — SAINT LOUIS, MO
- Milestone Bank — Salt Lake City, UT
- Morgan Stanley — New York, NY
- MortgageRight — Austin, TX
- New American Funding — Tustin, CA
- New Silver Lending
- Newfi Wholesale — Emeryville, CA
- Newmark — New York, NY
- North American Savings Bank — Kansas City, MO
- Northeast Bank — MINNEAPOLIS, MN
- Northmarq — Minneapolis, MN
- NYBDC Local Development Corporation dba Pursuit Community Fi — Latham, NY
- Oaktree Funding
- Oconee State Bank — WATKINSVILLE, GA
- OptimumBank — FORT LAUDERDALE, FL
- Park Place Finance
- Pathward National Association — SIOUX FALLS, SD
- Planet Home Lending — Meriden, CT
- PNC Bank, National Association — WILMINGTON, DE
- PNC Real Estate — Pittsburgh, PA
- Port 51 Lending LLC — New York, NY
- PromiseOne Bank — DULUTH, GA
- Quaint Oak Bank — Southampton, PA
- Quontic Bank — New York, NY
- RCN Capital — South Windsor, CT
- Ready Capital — New York, NY
- Residential Capital Partners
- Residential Mortgage Solutions
- Roc Capital — New York, NY
- Rocket Mortgage — Detroit, MI
- Royal Business Bank — Los Angeles, CA
- Sabal Capital Partners — Pasadena, CA
- Santander Bank, National Association — WILMINGTON, DE
- Spring Bank — NEW YORK CITY, NY
- Sprout Mortgage — New York, NY
- Stbridge Capital — Los Angeles, CA
- Stearns Bank National Association — SAINT CLOUD, MN
- TD Bank, National Association — WILMINGTON, DE
- Temple View Capital
- The Bancorp Bank National Association — Sioux Falls, SD
- The Fidelity Bank — FUQUAY VARINA, NC
- Tidal Loans — Houston, TX
- Triad Financial Services — Jacksonville, FL
- Truliant FCU — Winston-Salem, NC
- Truss Financial Group
- United Community Bank — Greenville, SC
- US Bank — Minneapolis, MN
- UWM (United Wholesale Mortgage) — Pontiac, MI
- Vaster — Miami, FL
- Velocity Mortgage Capital — Westlake Village, CA
- VelocitySBA, LLC — Irving, TX
- Verus Mortgage Capital — Washington, DC
- Visio Lending — Austin, TX
- Walker & Dunlop — Bethesda, MD
- Wells Fargo — San Francisco, CA
- Wilmington Savings Fund Society FSB — WILMINGTON, DE
- Woori America Bank — New York, NY
Commercial Lending in New Jersey
New Jersey's location between New York and Philadelphia, combined with a dense transportation network, makes it a premier logistics and pharmaceutical hub. The state has more scientists and engineers per square mile than any other state.
New Jersey has the highest commercial property tax rates in the nation, with effective rates often exceeding 3% of market value, making tax analysis and appeals critical components of CRE investment strategy. The state's Realty Transfer Fee of approximately 1% on commercial sales (with an additional 1% mansion tax on properties over $1 million) adds significant transaction costs. New Jersey's strong environmental regulations, including the Industrial Site Recovery Act (ISRA), require environmental assessments and remediation before transferring commercial and industrial properties, which can delay transactions but ultimately protects buyer value.
Key Industries
Foreclosure Type
Judicial
Foreclosures go through the court system, which can take 6-18+ months.
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