Best SBA Lenders in Toms River, NJ (2026)
2025 FOIA data: top lenders, rates & industries for Toms River SBA loans
SBA Loans in Toms River, New Jersey
Looking for an SBA loan in Toms River, New Jersey? Based on 2025 FOIA data, 50 SBA 7(a) loans were funded in Toms River totaling $16.7M, supporting an estimated 200 jobs. With 18 active lenders competing for business in the Toms River market, comparing offers is essential to getting the best rate and terms.
The average SBA loan in Toms River is $334K at an average rate of 10.64%. The top lender in Toms River is Community Bank & Trust-West Georgia, with the most-funded industry being Other Miscellaneous Nondurable Goods Merchant Wholesalers. See all New Jersey SBA lenders for statewide rankings.
SBA Loans in Toms River by Business Type
Whether you’re starting a new business in Toms River, buying an existing one, or expanding your current operation, here’s how SBA lending breaks down in your market:
Startups represent 18% of SBA loans in Toms River (5 loans funded in 2025), which tells you how comfortable local lenders are funding new ventures without established operating history. Business acquisitions account for 34% (3 loans) — if you’re looking to buy a business in Toms River, this is a proven use case for SBA financing. Existing businesses make up 33% and typically receive the most favorable terms.
Top SBA Lenders in Toms River, NJ (2025 Data)
The table below ranks every SBA 7(a) lender that funded loans to Toms River businesses in 2025, ordered by total dollar volume. This data comes directly from SBA FOIA records:
| # | Lender | Volume | Loans | Avg Rate |
|---|---|---|---|---|
| 1 | Community Bank & Trust-West Georgia | $3.3M | 1 | 10.25% |
| 2 | TD Bank, National Association | $2.6M | 17 | 10.51% |
| 3 | Grasshopper Bank National Association | $2.2M | 1 | 10.25% |
| 4 | Readycap Lending, LLC | $1.8M | 5 | 11.35% |
| 5 | Columbia Bank | $1.7M | 1 | 10.25% |
| 6 | Commonwealth Business Bank | $900K | 1 | 8.75% |
| 7 | FinWise Bank | $850K | 3 | 10.25% |
| 8 | Peapack Private Bank and Trust | $760K | 1 | 10% |
| 9 | Manufacturers and Traders Trust Company | $600K | 8 | 11.34% |
| 10 | PNC Bank, National Association | $599K | 3 | 9.63% |
The top lenders in Toms River have direct experience with local businesses and understand the Toms River 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 Toms River 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 Toms River
One 5-minute application. 18+ lenders competing for your deal. GoSBA matches you to the best fit — free, no obligation.
Top Industries Funded in Toms River
These are the industries that received the most SBA 7(a) funding in Toms River 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 |
|---|---|---|
| Other Miscellaneous Nondurable Goods Merchant Wholesalers | 1 | $3.3M |
| Site Preparation Contractors | 1 | $2.2M |
| Other Motion Picture and Video Industries | 1 | $1.7M |
| Drinking Places (Alcoholic Beverages) | 1 | $760K |
| General Automotive Repair | 2 | $614K |
| Janitorial Services | 3 | $550K |
| Administrative Management and General Management Consulting Services | 1 | $500K |
| Process, Physical Distribution, and Logistics Consulting Services | 1 | $500K |
| Office Administrative Services | 1 | $350K |
| Other Accounting Services | 1 | $350K |
Lenders with experience funding your specific industry in Toms River 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 Toms River
Option 1: Apply directly to one of the top Toms River 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 Toms River-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.
