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County19th of 21 in New Jersey by approvalsFIPS 34041
SBA loans in Warren 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.
SBA approved 113 loans to businesses in Warren County, New Jersey, in FY2021 to FY2025, worth $63.9M: 107 under 7(a) and 6 under 504.
That is 49.4 approvals per 1,000 business establishments (2,286 establishments in 2023), close to the New Jersey figure of 46.8 and above the national 41.0.
It ranks 19th of 21 New Jersey counties with approvals. In FY2025 there were 28, about level with FY2024.
37 lenders had approvals here; the most active were TD Bank, National Association (22), PNC Bank, National Association (11) and Northeast Bank (8). 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 Warren County
By number of approvals to businesses in the county, FY2021–FY2025; 37 lenders had at least one.
| # | Lender | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | TD Bank, National AssociationWilmington, DE | 22 | $2.9M | 19.5% | |
| 2 | PNC Bank, National AssociationWilmington, DE | 11 | $5.4M | 9.7% | |
| 3 | Northeast BankLewiston, ME | 8 | $776K | 7.1% | |
| 4 | JPMorgan Chase Bank, National AssociationColumbus, OH | 7 | $1.1M | 6.2% | |
| 5 | Provident BankJersey City, NJ | 6 | $8.3M | 5.3% | |
| 6 | Valley National BankPassaic, NJ | 4 | $3.7M | 3.5% | |
| 7 | Peapack Private Bank and TrustBedminster, NJ | 4 | $1.7M | 3.5% | |
| 8 | BayFirst National BankSaint Petersburg, FL | 4 | $560K | 3.5% | |
| 9 | Trenton Business Assistance CorporationPrinceton, NJ · CDC | 3 | $5.8M | 2.7% | |
| 10 | Empire State Certified Development CorporationLatham, NY · CDC | 3 | $5.3M | 2.7% | |
| 11 | Hanover Community BankMineola, NY | 3 | $4.4M | 2.7% | |
| 12 | Live Oak Banking CompanyWilmington, NC | 3 | $2.1M | 2.7% | |
| 13 | The Huntington National BankColumbus, OH | 3 | $427K | 2.7% | |
| 14 | Manufacturers and Traders Trust CompanyBuffalo, NY | 3 | $425K | 2.7% | |
| 15 | Customers BankMalvern, PA | 2 | — | 1.8% |
Industries
| # | Industry group (NAICS 4-digit) | Approvals | Share | |
|---|---|---|---|---|
| 1 | Restaurants and Other Eating PlacesNAICS 7225 | 13 | 11.5% | |
| 2 | Other Personal ServicesNAICS 8129 | 7 | 6.2% | |
| 3 | Grocery and Related Product Merchant WholesalersNAICS 4244 | 6 | 5.3% | |
| 4 | Services to Buildings and DwellingsNAICS 5617 | 6 | 5.3% | |
| 5 | Beverage ManufacturingNAICS 3121 | 4 | 3.5% | |
| 6 | Machinery, Equipment, and Supplies Merchant WholesalersNAICS 4238 | 4 | 3.5% | |
| 7 | Architectural, Engineering, and Related ServicesNAICS 5413 | 4 | 3.5% | |
| 8 | Specialized Freight TruckingNAICS 4842 | 4 | 3.5% | |
| 9 | Automotive Repair and MaintenanceNAICS 8111 | 4 | 3.5% | |
| 10 | Miscellaneous Durable Goods Merchant WholesalersNAICS 4239 | 3 | 2.7% |
Sectors
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Other Services (except Public Administration) | 16 | 14.2% | |
| 2 | Accommodation and Food Services | 15 | 13.3% | |
| 3 | Wholesale Trade | 14 | 12.4% | |
| 4 | Administrative and Support and Waste Management and Remediation Services | 12 | 10.6% | |
| 5 | Professional, Scientific, and Technical Services | 11 | 9.7% | |
| 6 | Retail Trade | 9 | 8.0% | |
| 7 | Transportation and Warehousing | 9 | 8.0% | |
| 8 | Manufacturing | 8 | 7.1% |
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* | 15 | $4.1M | $150K | 1 | — | 16 | 98 |
| FY2025 | 28 | $13.9M | $135K | 0 | — | 28 | 162 |
| FY2024 | 27 | $9.5M | $100K | 3 | $5.3M | 30 | 193 |
| FY2023 | 18 | $8.3M | $125K | 0 | — | 18 | 170 |
| FY2022 | 20 | $12.3M | $476K | 2 | — | 22 | 364 |
| FY2021 | 14 | $8.8M | $325K | 1 | — | 15 | 137 |
| FY2020 | 21 | $10.5M | $150K | 1 | — | 22 | 273 |
| FY2019 | 19 | $6.2M | $200K | 0 | — | 19 | 132 |
| FY2018 | 18 | $8.8M | $195K | 2 | — | 20 | 211 |
| FY2017 | 23 | $5.1M | $40K | 0 | — | 23 | 182 |
| FY2016 | 17 | $3.7M | $100K | 2 | — | 19 | 218 |
In FY2016–FY2020, the five fiscal years before the current window, the county had 103 approvals.
Against New Jersey and the country
| FY2021–FY2025 | Warren County | New Jersey | United States |
|---|---|---|---|
| Approvals | 113 | 11,132 | 342,825 |
| Approvals per 1,000 establishments | 49.4 | 46.8 | 41.0 |
| Median 7(a) approval | $150K | $150K | $190K |
| Median 504 approval | $1.3M | $952K | $657K |
| Average approval | $565K | $508K | $573K |
| 504 share of approvals | 5.3% | 4.9% | 11.0% |
| Jobs supported per approval, as reported | 9.1 | 9.2 | 10.5 |
| Share of state approvals | 1.0% | 100.0% | — |
Approval sizes
- $50,000 or less31.9%36
- $50,001 to $150,00015.9%18
- $150,001 to $350,00015.0%17
- $350,001 to $1 million19.5%22
- $1 million to $2 million11.5%13
- Over $2 million6.2%7
Age of the businesses
- Existing, more than 2 years old66.4%75
- New business, 2 years or less16.8%19
- Startup, loan funds will open the business11.5%13
- Change of ownership5.3%6
Questions and answers
Which lenders make the most SBA loans in Warren County?
By approvals in FY2021 to FY2025: TD Bank, National Association (22), PNC Bank, National Association (11), Northeast Bank (8), JPMorgan Chase Bank, National Association (7), Provident Bank (6). Volume says how active a lender is, nothing about terms or service.
How large are typical SBA loans in Warren County?
The median 7(a) approval was $150K and the median 504 approval $1.3M; the New Jersey 7(a) median was $150K.
Which industries get the most SBA loans in Warren County?
Restaurants and Other Eating Places (13); Other Personal Services (7); Grocery and Related Product Merchant Wholesalers (6); Services to Buildings and Dwellings (6); Beverage Manufacturing (4).
Is SBA lending in Warren County rising?
Approvals in the three latest complete fiscal years total 76, against 59 in the three before: rising (+29%).
How does Warren County compare with the rest of New Jersey?
49.4 approvals per 1,000 establishments against 46.8 statewide, and 113 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