Readycap Lending SBA Loans (2027): Rates And Ranking
Readycap Lending approved 1,494 SBA 7(a) loans worth $451M in FY2026, ranking #15 nationally by dollar volume. 65 of those loans financed business acquisitions.
Key Takeaways
- Headquartered in Berkeley Heights, NJ; lent in 10+ states.
- Florida was its largest state at $72.3M.
- Its top industry was Gasoline Stations with Convenience Stores.
- 23% of its SBA dollars financed acquisitions (national share 27%).
- Most loans went through the Preferred Lenders Program (1,492 loans).
Where Readycap Lending Lends
Industries Readycap Lending Funds
Does Readycap Lending Finance Business Acquisitions?
Readycap Lending closed 65 change of ownership loans in FY2026, averaging $1.6M.
Loan Sizes
Buying A Business?
We send your deal to Readycap Lending and other SBA lenders that fit it, so they compete for your business. It is free to you.
Readycap Lending SBA Lending Since 2020
FY2026 dollar volume was down 61.4% from FY2025, and the loan count was down 52.4%. Part of that drop is the calendar: SBA approved no 7(a) loans in October 2025 during the federal government shutdown (October 1 to November 12, 2025), so FY2026 covers about 11 months of lending.
Is Readycap Lending Right For Your Deal?
Readycap Lending's average SBA loan was $302K (median $50K), below the national average, so it is active in smaller loans.
Loans averaged 10.7 years in term and 99% were variable rate. 10% went to startups or businesses under two years old, and 5% to franchises.
Lenders ranked near Readycap Lending nationally include Pathward, Harvest Small Business Finance, Wells Fargo Bank, Port 51 Lending LLC. Comparing two or three of them on the same deal is the best way to see real terms.
Questions About Readycap Lending SBA Loans
How many SBA loans did Readycap Lending make in 2026?
Readycap Lending approved 1,494 SBA 7(a) loans totaling $451M in FY2026 (October 2025 to September 2026), ranking #15 nationally by dollar volume.
What rate does Readycap Lending charge on SBA loans?
Its average initial rate was 11.53% (9.50% weighted by loan size), and 99% of its loans were variable. Your rate depends on loan size, term and credit.
Does Readycap Lending do SBA loans to buy a business?
Yes. It closed 65 business acquisition loans in FY2026, averaging $1.6M.
Where does Readycap Lending make SBA loans?
Its largest states were Florida, California, Washington, Texas, New York.
Does GoSBA Loans charge borrowers?
No. GoSBA Loans is 100% free to borrowers. We take your deal to the SBA lenders that fit it.
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Its Top States
About this data. Rankings use SBA 7(a) loan approvals from the SBA FOIA data set, fiscal year 2026 (October 1, 2025 to September 30, 2026), as published by SBA through September 30, 2026. Lenders are ranked by approved dollar volume. Rates are the initial rate at approval, a simple average across loans; most SBA 7(a) loans are variable and move with the Prime Rate. Business acquisition loans are those SBA marks as a change of ownership. GoSBA Loans is an SBA loan broker, not a lender, and is not affiliated with SBA.
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