Best SBA Lenders in Edison, NJ (2026)
2025 FOIA data: top lenders, rates & industries for Edison SBA loans
SBA Loans in Edison, New Jersey
Looking for an SBA loan in Edison, New Jersey? Based on 2025 FOIA data, 30 SBA 7(a) loans were funded in Edison totaling $17.4M, supporting an estimated 391 jobs. With 17 active lenders competing for business in the Edison market, comparing offers is essential to getting the best rate and terms.
The average SBA loan in Edison is $580K at an average rate of 10.61%. The top lender in Edison is Univest Bank and Trust Co, with the most-funded industry being General Warehousing and Storage. See all New Jersey SBA lenders for statewide rankings.
SBA Loans in Edison by Business Type
Whether you’re starting a new business in Edison, buying an existing one, or expanding your current operation, here’s how SBA lending breaks down in your market:
Startups represent 41% of SBA loans in Edison (7 loans funded in 2025), which tells you how comfortable local lenders are funding new ventures without established operating history. Business acquisitions account for 0% (0 loans) — if you’re looking to buy a business in Edison, this is a proven use case for SBA financing. Existing businesses make up 54% and typically receive the most favorable terms.
Top SBA Lenders in Edison, NJ (2025 Data)
The table below ranks every SBA 7(a) lender that funded loans to Edison businesses in 2025, ordered by total dollar volume. This data comes directly from SBA FOIA records:
| # | Lender | Volume | Loans | Avg Rate |
|---|---|---|---|---|
| 1 | Univest Bank and Trust Co | $3.8M | 1 | 9.75% |
| 2 | LendingClub Bank, National Association | $2.2M | 1 | 10% |
| 3 | Peapack Private Bank and Trust | $2.1M | 2 | 9.75% |
| 4 | Bankwell Bank | $1.7M | 1 | 10.25% |
| 5 | U.S. Bank, National Association | $1.5M | 1 | 6.99% |
| 6 | Readycap Lending, LLC | $1.0M | 2 | 10.38% |
| 7 | Northeast Bank | $1.0M | 3 | 11.08% |
| 8 | TD Bank, National Association | $650K | 7 | 10.9% |
| 9 | The Huntington National Bank | $549K | 2 | 10% |
| 10 | Community Bank & Trust-West Georgia | $537K | 1 | 10.25% |
The top lenders in Edison have direct experience with local businesses and understand the Edison 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 Edison 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 Edison
One 5-minute application. 17+ lenders competing for your deal. GoSBA matches you to the best fit — free, no obligation.
Top Industries Funded in Edison
These are the industries that received the most SBA 7(a) funding in Edison 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 |
|---|---|---|
| General Warehousing and Storage | 1 | $3.8M |
| Limited-Service Restaurants | 4 | $2.6M |
| Full-Service Restaurants | 1 | $2.2M |
| Custom Computer Programming Services | 5 | $1.8M |
| Insurance Agencies and Brokerages | 1 | $1.5M |
| Food Service Contractors | 1 | $515K |
| Other Scientific and Technical Consulting Services | 1 | $500K |
| Other Activities Related to Real Estate | 1 | $500K |
| Automotive Glass Replacement Shops | 1 | $300K |
| Mobile Food Services | 2 | $250K |
Lenders with experience funding your specific industry in Edison 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 Edison
Option 1: Apply directly to one of the top Edison 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 Edison-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.
