Small business loans in Edison, NJ
Short answer
The most active SBA lenders in Edison, NJ since FY2024 are TD Bank (14 loans) and M&T Bank (6). The median loan was $180,000, and half fell between $52,500 and $416,250. For free help, see the New Jersey Small Business Development Centers. Source: SBA 7(a) loan data.
- SBA loans since FY2024
- 58
- approved since FY2024
- $28.26M
- median loan
- $180,000
- through SBA Express
- 55.2%
Lenders making SBA loans in Edison
No lender made more than 24% of the loans in Edison, and TD Bank made the most. The three largest lenders together made 43%.
| Lender | Loans | Share |
|---|---|---|
| TD Bank | 14 | 24.1% |
| M&T Bank | 6 | 10.3% |
| Newtek Bank | 5 | 8.6% |
Share is the percent of all Edison loans in that period. Each name links to that lender's page for New Jersey where one exists.
Edison has three lenders with five or more loans since FY2024. Others had fewer, and the New Jersey page counts 168 lenders with at least one approved loan statewide.
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Local help near Edison
Edison borrowers can start with SBA's district office for New Jersey, an SBDC or SCORE.
36% of Edison borrowers since FY2024 were startups or businesses two years old or younger. SBDCs provide counseling and training, and SCORE mentors give advice at no cost, according to SBA.
SBA has one district office for New Jersey. Its page points to state and federal resources and to lenders in the area. The New Jersey Small Business Development Centers gives free counseling across New Jersey.
- SBA New Jersey District Office (Newark)SBA district office
- New Jersey Small Business Development CentersSmall Business Development Center
- SCORE mentors in New JerseyBusiness mentoring
Alongside SBA loans, New Jersey runs three loan programs. The New Jersey page describes each, and the official pages are linked here.
Loan counts and sizes in Edison
Edison ranks 8th by loans since FY2024 among the 10 New Jersey cities with 100 or more SBA loans since FY2020. Nationally it is the 471st busiest of the 580 cities that reach 100 loans.
The 58 loans, 1.0% of the 5,682 in New Jersey, were approved for $28.3 million in all. The medianThe middle figure. Half the loans were larger and half were smaller. loan was $180,000, 20% above the national median of $150,300. Half of the loans fell between $52,500 and $416,250. The Edison median is 20% above the New Jersey median of $150,000.
| Measure | Edison | New Jersey | U.S. |
|---|---|---|---|
| Loans | 58 | 5,682 | 162,355 |
| Median loan | $180,000 | $150,000 | $150,300 |
| 25th percentile | $52,500 | $50,000 | $50,000 |
| 75th percentile | $416,250 | $436,600 | $500,000 |
| Via SBA Express | 55.2% | 47.4% | 35.8% |
| Lines of credit | 43.1% | 39.9% | 28.1% |
| Startups | 13.8% | 13.5% | 16.1% |
| Ownership changes | n/a | 7.3% | 10.4% |
| Median term | 10 years | 10 years | 10 years |
| Median spread | 3.0 | 3.0 | 2.75 |
| Charged off | Fewer than 5 | 5.6% | 3.6% |
A quarter of loans were smaller than the 25th percentile loan and a quarter were larger than the 75th. Median spread is in percentage points over Prime. Charged off is the share of FY2020 to FY2022 loans a lender wrote off as a loss. It is shown only for groups of 30 loans or more. Fewer than 5 marks a share that would stand for 1 to 4 loans, which we do not publish. U.S. covers every loan in the file.
81% of the loans were $500,000 or less, the size SBA Express covers. 55.2% of all loans went through SBA Express, above the national 35.8%. Lines of credit were 43.1% of loans, above the national 28.1%.
Labels show each size's share of all loans. The highlighted bar is the size band that contains the median.
Fiscal years run October to September. The last bar covers nine of its twelve months.
Volume held steady from FY2024 (20 loans) to FY2025 (20), the two latest full years. The busiest full year in the file was FY2022, with 21 loans. FY2026 already shows 18 loans through June 30.
Of the 41 loans Edison borrowers received in FY2020 to FY2022, fewer than 5 were charged offThe lender wrote the loan off as a loss because it was not being repaid. by June 30, 2026, against 3.6% nationally. Lenders reported 507 jobs supported across the 58 loans since FY2024, about 8.7 per loan. SBA does not audit these estimates.
What businesses in Edison borrow for
Custom Computer Programming Services was the largest borrower group in Edison, with 5 loans or 8.6% of the total.
| Industry | Loans | Share | U.S. share |
|---|---|---|---|
| Custom Computer Programming Services | 5 | 8.6% | 0.5% |
Share is the percent of all Edison loans in that period. Industry is the NAICS code on each loan. A name links to the New Jersey page for that industry where one exists.
A typical loan payment in Edison
The median Edison loan was $180,000 with a median term of 10 years.
The median variable-rate loan in Edison was priced at Prime plus 3.0 percentage points at approval. At today's Prime that spread works out to 10.00%. On $180,000 over 10 years, principal and interest would come to about $2,379 a month. That is arithmetic on past loans, not a rate a lender is offering.
| Loan | Amount | Monthly payment |
|---|---|---|
| 25th percentile loan | $52,500 | $694 |
| Median loan | $180,000 | $2,379 |
| 75th percentile loan | $416,250 | $5,501 |
Principal and interest only. Fees, a different term or a fixed rate change the payment. This is an illustration from SBA's file, not an offer.
SBA's rate ceiling for this loan size
SBA's maximum for a loan of $180,000 is Prime plus 6.0 percentage points, or 13.00% today. The median variable-rate loan here was priced 3.0 points under that ceiling. Source: 13 CFR § 120.214(d)(2); SOP 50 10 8.1, App. 18, Para. A.2 (p. 395).
Edison loans approved since FY2024 had a median starting rate of 10.62% at approval, against 10.25% nationally. Prime changed during those years, so use the spread above, not that rate, as the guide to today's cost.
Run your own numbers: payments on a $175,000 loan and SBA Express payment calculator.
SBA 504 loans near Edison
The 504 file lists fewer than five loans in Edison since FY2020.
That is too few to publish a count, a dollar total or a median for Edison.
No Certified Development CompanyA nonprofit that SBA certifies and regulates to arrange 504 loans together with a bank. (CDC) is named on five or more 504 loans in Edison, so the list below is New Jersey's. Trenton Business Assistance Corporation is named on the most there, 152 loans since FY2024.
| Certified Development Company | 504 loans |
|---|---|
| Trenton Business Assistance Corporation | 152 |
| Empire State Certified Development Corporation | 71 |
How a 504 loan is split
A standard 504 project is 50% third party lender, 40% CDC debenture, 10% borrower. 504 money pays for major fixed assets such as land, buildings and long-term machinery and equipment, not working capitalMoney for day-to-day costs such as payroll, rent and inventory. Full definition or inventory. Source: SOP 50 10 8.1, Sec. C, Ch. 1, Para. B (p. 221). SBA keeps a list of Certified Development Companies.
New Jersey cities near Edison
Edison made up 1.0% of New Jersey's SBA loans since FY2024.
Edison is one of 10 New Jersey cities with 100 or more SBA loans since FY2020. The New Jersey page covers all 5,682 loans in New Jersey. The closest come first, ranked by county and ZIP code on their loans.
Common questions about SBA loans in Edison
Which lenders make the most SBA loans in Edison?
TD Bank leads with 14 loans in Edison since FY2024. M&T Bank (6) and Newtek Bank (5) follow. Only lenders with five or more Edison loans are counted.
Which industries get SBA loans in Edison?
Custom Computer Programming Services leads with 5 loans in Edison since FY2024.
How to read this
Counts come from SBA's 7(a) loan-level data release, as of June 30, 2026. The file lists loans SBA approved. It does not list declined applications, so it cannot show approval odds. We do not publish any figure built on fewer than 5 loans. Location is the borrower's address in the file, and city names are as SBA recorded them. Recent means FY2024 through June 30, 2026. Charge-off rates use FY2020 to FY2022 loans, the only years old enough to have had time to go bad. Jobs supported are lender-reported estimates. How we build these pages.
Sources
- SBA 7(a) and 504 FOIA loan-level data, as of June 30, 2026
- SBA, 504 loans
- SBA, resource partners: SBDCs and SCORE
- SBA New Jersey District Office (Newark)
- New Jersey Small Business Development Centers
- SCORE, New Jersey
- SOP 50 10 8.1, Sec. C, Ch. 1, Para. D.1 (p. 241); 13 CFR § 120.931
- SOP 50 10 8.1, Sec. C, Ch. 1, Para. B (p. 221)
- sba.gov/loans/504-loans; SOP 50 10 8.1, Sec. A, Ch. 3, Para. A (p. 51)
- SOP 50 10 8.1, Sec. B, Ch. 2, Para. B.1 (p. 126)
- 13 CFR § 120.214(d)(2); SOP 50 10 8.1, App. 18, Para. A.2 (p. 395)
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Cite this page: Small business loans in Edison, NJ. SBA Express Loans, Janover Capital LLC (data as of June 30, 2026). https://www.sbaexpress.loans/new-jersey-small-business-loans/edison/
Ask lending partners about a loan in Edison
Tell us what you need and we refer your request to lending partners.
Janover Capital LLC is not a lender and is not the SBA. The lender makes the credit decision. A lender or marketplace may pay us a referral fee if we connect you, at no cost to you. Advertiser disclosure.