Best SBA Lenders in Freehold, NJ (2026)
2025 FOIA data: top lenders, rates & industries for Freehold SBA loans
SBA Loans in Freehold, New Jersey
Looking for an SBA loan in Freehold, New Jersey? Based on 2025 FOIA data, 28 SBA 7(a) loans were funded in Freehold totaling $16.2M, supporting an estimated 290 jobs. With 14 active lenders competing for business in the Freehold market, comparing offers is essential to getting the best rate and terms.
The average SBA loan in Freehold is $580K at an average rate of 10.53%. The top lender in Freehold is T Bank, National Association, with the most-funded industry being Plumbing, Heating, and Air-Conditioning Contractors. See all New Jersey SBA lenders for statewide rankings.
SBA Loans in Freehold by Business Type
Whether you’re starting a new business in Freehold, buying an existing one, or expanding your current operation, here’s how SBA lending breaks down in your market:
Startups represent 24% of SBA loans in Freehold (5 loans funded in 2025), which tells you how comfortable local lenders are funding new ventures without established operating history. Business acquisitions account for 43% (3 loans) — if you’re looking to buy a business in Freehold, this is a proven use case for SBA financing. Existing businesses make up 19% and typically receive the most favorable terms.
Top SBA Lenders in Freehold, NJ (2025 Data)
The table below ranks every SBA 7(a) lender that funded loans to Freehold businesses in 2025, ordered by total dollar volume. This data comes directly from SBA FOIA records:
| # | Lender | Volume | Loans | Avg Rate |
|---|---|---|---|---|
| 1 | T Bank, National Association | $4.3M | 1 | 9.75% |
| 2 | Live Oak Banking Company | $2.6M | 2 | 9.5% |
| 3 | Readycap Lending, LLC | $1.9M | 2 | 10.38% |
| 4 | First Bank of the Lake | $1.1M | 1 | 10.25% |
| 5 | Columbia Bank | $1.1M | 1 | 10% |
| 6 | Wilmington Savings Fund Society FSB | $1.1M | 2 | 10.12% |
| 7 | The Huntington National Bank | $1000K | 2 | 9.75% |
| 8 | Provident Bank | $970K | 1 | 9.5% |
| 9 | TD Bank, National Association | $660K | 7 | 11.11% |
| 10 | U.S. Bank, National Association | $519K | 1 | 8.13% |
The top lenders in Freehold have direct experience with local businesses and understand the Freehold market — commercial real estate values, local industry dynamics, and regional economic conditions. Pay attention to the “Avg Rate” column, as rates vary significantly between lenders. A 0.5-1.0% rate difference on a $500K loan translates to $15,000-$30,000 in savings over the life of the loan.
Don’t limit your search to banks listed above — many national SBA lenders also fund loans in Freehold and may offer better rates. An SBA loan broker like GoSBA gives you access to both local and national lenders with one application.
Get Matched with the Best SBA Lender in Freehold
One 5-minute application. 14+ lenders competing for your deal. GoSBA matches you to the best fit — free, no obligation.
Top Industries Funded in Freehold
These are the industries that received the most SBA 7(a) funding in Freehold in 2025. If your business is in one of these sectors, lenders are already familiar with your business model and may offer faster approvals:
| Industry | Loans | Volume |
|---|---|---|
| Plumbing, Heating, and Air-Conditioning Contractors | 2 | $4.6M |
| Home Health Care Services | 2 | $2.6M |
| Fitness and Recreational Sports Centers | 3 | $2.1M |
| Couriers | 1 | $1.4M |
| Full-Service Restaurants | 2 | $1.1M |
| Distilleries | 1 | $1.1M |
| Insurance Agencies and Brokerages | 3 | $699K |
| All Other Personal Services | 1 | $550K |
| Limited-Service Restaurants | 1 | $530K |
| Other Miscellaneous Nondurable Goods Merchant Wholesalers | 1 | $500K |
Lenders with experience funding your specific industry in Freehold understand the local competitive landscape, typical revenue ranges, and seasonal patterns. This familiarity often translates to faster underwriting and more competitive terms. If your industry doesn’t appear above, SBA loans are available for nearly every legal business type — an SBA broker can match you with lenders who specialize in your sector.
How to Get an SBA Loan in Freehold
Option 1: Apply directly to one of the top Freehold lenders listed above. You’ll receive a single quote from one bank.
Option 2: Use an SBA loan broker (recommended). GoSBA Loans submits your application to multiple Freehold-active lenders and national SBA lenders simultaneously. More offers means better rates, faster approvals, and zero cost to you — lenders pay the broker fee.
Frequently Asked Questions
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Data from SBA 7(a) FOIA records, Calendar Year 2025. Visit sba.gov for official info.
