# Readycap Lending, LLC SBA loans in New Jersey **Short answer:** SBA's loan file shows Readycap Lending, LLC made 296 SBA loans in New Jersey since October 2019. The median loan was $263,250, 75% above its national median of $150,000. Canonical page: https://www.sbaexpress.loans/sba-express-lenders/readycap-lending-llc/new-jersey/ Data as of: 2026-06-30 This site is not Readycap Lending, LLC sbaexpress.loans is not Readycap Lending, LLC, and Readycap Lending, LLC did not provide, review or pay for this page. Janover Capital LLC runs this site. Every figure on this page comes from SBA's public 7(a) loan file, not from Readycap Lending, LLC. These are the 296 SBA 7(a) loans [Readycap Lending, LLC](https://www.sbaexpress.loans/sba-express-lenders/readycap-lending-llc/) made in [New Jersey](https://www.sbaexpress.loans/new-jersey-small-business-loans/) approved October 2019 to June 2026. Each figure is set against all of its loans in the U.S. over the same period. State is where the business is, not where the lender is based. The file lists loans SBA approved, so it shows what the lender has done and not what it will do for you. Every state page for this lender uses this same period, so the pages can be compared with each other. ## How Readycap Lending, LLC differs in New Jersey **What this means for you.** Use the local range, not the national one, to judge your own request: half of these loans in New Jersey ran from $50,000 to $500,000. ### Loan size The median loan was $263,250 in New Jersey, 75% above its national median of $150,000. The middle half of loans in New Jersey ran from $50,000 to $500,000. For all its loans the middle half ran from $50,000 to $500,000. Median loan, Oct 2019 to Jun 2026 - New Jersey: $263,250 - All its U.S. loans: $150,000 We compared 8 measures with the national figure for the same period, and this is the one that differs clearly. The table compares every measure. ## New Jersey next to the U.S. **New Jersey compared with all of Readycap Lending, LLC's U.S. loans, October 2019 to June 2026** | Measure | New Jersey | All its U.S. loans | Reading | | --- | --- | --- | --- | | Lender's share of all SBA loans | 2.6% | 2.7% | No clear gap | | Median loan | $263,250 | $150,000 | Clearly higher | | Middle half of loans | $50,000 to $500,000 | $50,000 to $500,000 | – | | Startups (the loan opens the business) | 2.4% | 3.3% | No clear gap | | In business 2 years or less | 10.8% | 14.9% | No clear gap | | In business more than 2 years | 82.8% | 77.8% | No clear gap | | Change of ownership | 1.7% | 1.9% | No clear gap | | SBA Express | 0.0% | 0.3% | No clear gap | | Lines of credit | 0.0% | 0.0% | n/a | | Median term | 10 years | 10 years | – | | Median spread over Prime at approval | 2.75 points over Prime | 2.75 points over Prime | – | Clearly higher and clearly lower mark a gap large enough to matter and unlikely to be chance for this many loans. Spread over Prime is the rate at approval minus Prime that day, so it is not today's rate. Rows with a dash are shown for reference. ## What Readycap Lending, LLC lends to in New Jersey The 5 industries below account for 40 of the 296 loans approved October 2019 to June 2026, or 13.5%. An industry is listed when it has 5 or more of them, five at most. **Top industries in New Jersey** | Industry | Loans | Share here | U.S. share | | --- | --- | --- | --- | | [All Other Professional, Scientific, and Technical Services](https://www.sbaexpress.loans/industries/all-other-professional-scientific-technical-services/) | 9 | 3.0% | Not in top 5 | | [Full-Service Restaurants](https://www.sbaexpress.loans/industries/full-service-restaurants/) | 9 | 3.0% | 3.6% | | [Advertising Agencies](https://www.sbaexpress.loans/industries/advertising-agencies/) | 8 | 2.7% | Not in top 5 | | [Beauty Salons](https://www.sbaexpress.loans/industries/beauty-salons/) | 7 | 2.4% | 2.5% | | [Clothing and Clothing Accessories Retailers](https://www.sbaexpress.loans/industries/clothing-clothing-accessories-retailers/) | 7 | 2.4% | Not in top 5 | Share here is the industry's share of the lender's loans in this state. U.S. share is its share of all the lender's loans nationally. Not in top 5 means it is not one of the lender's five most common industries. ## Readycap Lending, LLC in other states Other states where these loans differ clearly from the national pattern, most loans first. **Readycap Lending, LLC by state** | State | Loans since October 2019 | | --- | --- | | [New York](https://www.sbaexpress.loans/sba-express-lenders/readycap-lending-llc/new-york/) | 738 | | [Washington](https://www.sbaexpress.loans/sba-express-lenders/readycap-lending-llc/washington/) | 303 | | [Oregon](https://www.sbaexpress.loans/sba-express-lenders/readycap-lending-llc/oregon/) | 163 | | [Louisiana](https://www.sbaexpress.loans/sba-express-lenders/readycap-lending-llc/louisiana/) | 101 | | [Missouri](https://www.sbaexpress.loans/sba-express-lenders/readycap-lending-llc/missouri/) | 95 | ## Other lenders in New Jersey Other lenders in New Jersey with a clear difference from the national pattern, most loans first. **Other lenders in New Jersey** | Lender | Loans since October 2019 | | --- | --- | | [The Huntington National Bank](https://www.sbaexpress.loans/sba-express-lenders/the-huntington-national-bank/new-jersey/) | 438 | | [Beacon Bank and Trust](https://www.sbaexpress.loans/sba-express-lenders/beacon-bank-and-trust/new-jersey/) | 131 | | [Bank of America](https://www.sbaexpress.loans/sba-express-lenders/bank-of-america/new-jersey/) | 114 | | [Mid Penn Bank](https://www.sbaexpress.loans/sba-express-lenders/mid-penn-bank/new-jersey/) | 85 | 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. A lender's past loans do not describe its current credit policy. Location is the borrower's address in the file. Loans are those approved October 1, 2019 to June 30, 2026. SBA's fiscal year runs October 1 to September 30. Each figure is set against the national figure for the same period. A gap is called clear when it is large enough to matter and unlikely to be chance for this many loans. A comparison with no clear gap in the loans is not published. Express counts SBA Express and Export Express loans. Lines of credit are loans SBA's file flags as revolving. [How we build these pages](https://www.sbaexpress.loans/method/). ## Sources - [SBA 7(a) and 504 FOIA loan-level data, as of June 30, 2026](https://data.sba.gov/dataset/7a-504-foia)