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Buying a Business in New Jersey

What SBA acquisition lending actually looks like in New Jersey, from loan-level government data.

FY2025 Acquisition Loans

192

$240.1M approved

Median Loan

$724,000

FY2020 through FY2025

Loans Since FY2020

841

$994.1M in total approvals

Share of U.S. Activity

2.4%

Of change-of-ownership loans

Most Active Acquisition Lenders in New Jersey

  1. 1. Live Oak Banking Company109 loans
  2. 2. Peapack Private Bank and Trust61 loans
  3. 3. Beacon Bank and Trust45 loans
  4. 4. Wilmington Savings Fund Society FSB35 loans
  5. 5. Fulton Bank, National Association31 loans

A lender being active in New Jersey does not require a local branch; several top SBA lenders work nationally. Build a shortlist with Lender Match.

What Gets Bought in New Jersey

  • Full-Service Restaurants58 loans
  • Beer, Wine, and Liquor Stores42 loans
  • Limited-Service Restaurants39 loans
  • Child Day Care Services33 loans
  • Fitness and Recreational Sports Centers19 loans

Industry-specific pricing and diligence live in the Industry Buy Guides.

Method & Source

Computed from the SBA 7(a) FOIA loan-level dataset (FY2020 through FY2025), filtered to approvals flagged change of ownership with a New Jersey project address. Approvals, not closings; excludes conventional and 504 financing. Free to cite with attribution.

Everything here is educational information, not financial, legal, tax, or investment advice. Figures are estimates or cited third-party data; verify anything that matters against primary sources and your own advisors before acting on it.