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County15th of 21 in New Jersey by approvalsFIPS 34001
SBA loans in Atlantic County, New Jersey
7(a) and 504 approvals to businesses located in the county, set against the number of businesses there and against the state.
SBA approvals by fiscal year. The federal fiscal year runs 1 October to 30 September, so FY2025 is 1 October 2024 to 30 September 2025. *FY2026 is open: approvals to 30 Jun 2026 only.
Businesses in Atlantic County, New Jersey, received 270 SBA loan approvals worth $137M in FY2021 to FY2025 (258 7(a), 12 504).
That is 43.6 approvals per 1,000 business establishments (6,192 establishments in 2023), close to the New Jersey figure of 46.8 and close to the national 41.0.
It ranks 15th of 21 New Jersey counties with approvals. In FY2025 there were 66, about level with FY2024.
46 lenders had approvals here; the most active were TD Bank, National Association (96), Wilmington Savings Fund Society FSB (13) and Readycap Lending, LLC (10). The most common industry was restaurants and other eating places.
Loan status is as recorded by SBA at the data date; charge-off rates are computed on loans approved at least five fiscal years ago. Jobs supported are self-reported estimates from the SBA loan application, which SBA does not review, audit or validate. Data through 30 Jun 2026.
Lenders most active in Atlantic County
By number of approvals to businesses in the county, FY2021–FY2025; 46 lenders had at least one.
| # | Lender | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | TD Bank, National AssociationWilmington, DE | 96 | $20.2M | 35.6% | |
| 2 | Wilmington Savings Fund Society FSBWilmington, DE | 13 | $10.3M | 4.8% | |
| 3 | Readycap Lending, LLCBerkeley Heights, NJ | 10 | $6.4M | 3.7% | |
| 4 | Fulton Bank, National AssociationLancaster, PA | 9 | $5.9M | 3.3% | |
| 5 | Manufacturers and Traders Trust CompanyBuffalo, NY | 9 | $1.1M | 3.3% | |
| 6 | Meridian BankMalvern, PA | 8 | $8.9M | 3.0% | |
| 7 | PNC Bank, National AssociationWilmington, DE | 8 | $1.4M | 3.0% | |
| 8 | Trenton Business Assistance CorporationPrinceton, NJ · CDC | 7 | $7.1M | 2.6% | |
| 9 | Wells Fargo Bank National AssociationSioux Falls, SD | 7 | $450K | 2.6% | |
| 10 | Northeast BankLewiston, ME | 7 | $433K | 2.6% | |
| 11 | Truliant FCUWinston-Salem, NC | 6 | $6.0M | 2.2% | |
| 12 | Mid Penn BankMillersburg, PA | 6 | $4.5M | 2.2% | |
| 13 | The Huntington National BankColumbus, OH | 6 | $1.0M | 2.2% | |
| 14 | Empire State Certified Development CorporationLatham, NY · CDC | 5 | $6.4M | 1.9% | |
| 15 | BayFirst National BankSaint Petersburg, FL | 5 | $1.1M | 1.9% |
Industries
| # | Industry group (NAICS 4-digit) | Approvals | Share | |
|---|---|---|---|---|
| 1 | Restaurants and Other Eating PlacesNAICS 7225 | 36 | 13.3% | |
| 2 | Services to Buildings and DwellingsNAICS 5617 | 20 | 7.4% | |
| 3 | Residential Building ConstructionNAICS 2361 | 14 | 5.2% | |
| 4 | Traveler AccommodationNAICS 7211 | 12 | 4.4% | |
| 5 | Automotive Repair and MaintenanceNAICS 8111 | 11 | 4.1% | |
| 6 | Foundation, Structure, and Building Exterior ContractorsNAICS 2381 | 10 | 3.7% | |
| 7 | Other Amusement and Recreation IndustriesNAICS 7139 | 9 | 3.3% | |
| 8 | Child Day Care ServicesNAICS 6244 | 8 | 3.0% | |
| 9 | Offices of Other Health PractitionersNAICS 6213 | 8 | 3.0% | |
| 10 | Other Specialty Trade ContractorsNAICS 2389 | 8 | 3.0% |
Sectors
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Accommodation and Food Services | 54 | 20.0% | |
| 2 | Construction | 43 | 15.9% | |
| 3 | Retail Trade | 39 | 14.4% | |
| 4 | Other Services (except Public Administration) | 24 | 8.9% | |
| 5 | Administrative and Support and Waste Management and Remediation Services | 24 | 8.9% | |
| 6 | Health Care and Social Assistance | 22 | 8.1% | |
| 7 | Professional, Scientific, and Technical Services | 20 | 7.4% | |
| 8 | Arts, Entertainment, and Recreation | 10 | 3.7% |
Approvals by fiscal year
| Fiscal year | 7(a) approvals | 7(a) dollars | Median 7(a) | 504 approvals | 504 dollars | All approvals | Jobs supported, as reported |
|---|---|---|---|---|---|---|---|
| FY2026* | 35 | $8.1M | $70K | 1 | — | 36 | 366 |
| FY2025 | 63 | $43.1M | $250K | 3 | $2.8M | 66 | 898 |
| FY2024 | 65 | $20.3M | $75K | 2 | — | 67 | 687 |
| FY2023 | 58 | $21.5M | $222K | 1 | — | 59 | 799 |
| FY2022 | 40 | $15.7M | $150K | 5 | $6.6M | 45 | 362 |
| FY2021 | 32 | $23.1M | $238K | 1 | — | 33 | 385 |
| FY2020 | 34 | $23.0M | $162K | 2 | — | 36 | 388 |
| FY2019 | 39 | $10.5M | $100K | 2 | — | 41 | 233 |
| FY2018 | 46 | $12.5M | $50K | 3 | $3.2M | 49 | 290 |
| FY2017 | 51 | $15.2M | $82K | 3 | $1.6M | 54 | 421 |
| FY2016 | 60 | $26.5M | $185K | 4 | $3.9M | 64 | 725 |
In FY2016–FY2020, the five fiscal years before the current window, the county had 244 approvals.
Against New Jersey and the country
| FY2021–FY2025 | Atlantic County | New Jersey | United States |
|---|---|---|---|
| Approvals | 270 | 11,132 | 342,825 |
| Approvals per 1,000 establishments | 43.6 | 46.8 | 41.0 |
| Median 7(a) approval | $173K | $150K | $190K |
| Median 504 approval | $986K | $952K | $657K |
| Average approval | $508K | $508K | $573K |
| 504 share of approvals | 4.4% | 4.9% | 11.0% |
| Jobs supported per approval, as reported | 11.6 | 9.2 | 10.5 |
| Share of state approvals | 2.4% | 100.0% | — |
Approval sizes
- $50,000 or less28.5%77
- $50,001 to $150,00018.5%50
- $150,001 to $350,00021.1%57
- $350,001 to $1 million15.9%43
- $1 million to $2 million8.5%23
- Over $2 million7.4%20
Age of the businesses
- Existing, more than 2 years old57.0%154
- New business, 2 years or less25.9%70
- Startup, loan funds will open the business10.4%28
- Change of ownership6.3%17
- Not answered0.4%1
Questions and answers
Which lenders make the most SBA loans in Atlantic County?
By approvals in FY2021 to FY2025: TD Bank, National Association (96), Wilmington Savings Fund Society FSB (13), Readycap Lending, LLC (10), Fulton Bank, National Association (9), Manufacturers and Traders Trust Company (9). Volume says how active a lender is, nothing about terms or service.
How large are typical SBA loans in Atlantic County?
The median 7(a) approval was $173K and the median 504 approval $986K; the New Jersey 7(a) median was $150K.
Which industries get the most SBA loans in Atlantic County?
Restaurants and Other Eating Places (36); Services to Buildings and Dwellings (20); Residential Building Construction (14); Traveler Accommodation (12); Automotive Repair and Maintenance (11).
Is SBA lending in Atlantic County rising?
Approvals in the three latest complete fiscal years total 192, against 114 in the three before: rising (+68%).
How does Atlantic County compare with the rest of New Jersey?
43.6 approvals per 1,000 establishments against 46.8 statewide, and 270 of the state's 11,132 approvals.
About these figures
Figures are totals of the Small Business Administration's 7(a) and 504 FOIA loan files, data through 30 Jun 2026. SBA updates the files quarterly. Counts are loan approvals, including approvals later cancelled; the five-year window is FY2021–FY2025, the five latest complete fiscal years. Charge-off rates use only loans approved in FY2010–FY2021, at least five fiscal years ago, and count disbursed loans SBA records as charged off. Loans are listed under the lender they are assigned to today. Establishment counts are from the Census Bureau's County Business Patterns 2023, which leaves out most farms, government and businesses without employees. Dollar figures behind fewer than three approvals are not shown, and no borrower is named anywhere on this site.Methodology · Report an error