SBA lending by metro area
SBA lenders in Atlantic City, NJ
Which lenders fund Atlantic City-area businesses, how much, and how the market compares with New Jersey: SBA 7(a) and 504 loans, FY2010–2026.
By Mario Bailey · SBA FOIA data as of 2026-03-31
Top SBA lenders in the Atlantic City area
Ranked by SBA volume funded to businesses located in the Atlantic City metropolitan area, wherever the lender is headquartered. National SBA lenders that fund here are included.
| # | Lender | Loans | Total funded | Average loan | 7(a) charge-off |
|---|---|---|---|---|---|
| 1 | Sturdy Savings Bank | 164 | $77.1M | $470K | 0.00% |
| 2 | TD Bank, National Association | 310 | $48.5M | $157K | 6.45% |
| 3 | Fulton Bank, National Association | 66 | $45.6M | $690K | 7.58% |
| 4 | Wilmington Savings Fund Society FSB | 47 | $36.3M | $772K | 2.13% |
| 5 | Trenton Business Assistance Corporation | 53 | $35.8M | $676K | not reported |
| 6 | Empire State Certified Development Corporation | 33 | $27.0M | $817K | not reported |
| 7 | Beacon Bank and Trust | 25 | $25.4M | $1.0M | 20.00% |
| 8 | Wells Fargo Bank National Association | 50 | $20.8M | $416K | 6.00% |
| 9 | First Bank | 10 | $20.4M | $2.0M | not reported |
| 10 | Mid Penn Bank | 18 | $18.9M | $1.1M | not reported |
SBA 7(a) and 504 loans, FY2010–2026, as of 2026-03-31, from the SBA's public record.
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How Atlantic City compares
Median funded SBA loan and 504 share of loans, FY2010–2026.
| Median loan | 504 share | |
|---|---|---|
| Atlantic City area | $237K ▲ 58.3% | 6.1% ▲ 0.6 pts |
| New Jersey | $150K | 5.5% |
| United States | $179K | 11.2% |
What gets funded in Atlantic City
| Industry | Loans | Total funded |
|---|---|---|
| Accommodation and Food Services | 355 | $325.0M |
| Retail Trade | 222 | $112.4M |
| Construction | 141 | $40.0M |
| Health Care and Social Assistance | 81 | $35.0M |
| Arts, Entertainment, Recreation | 48 | $33.8M |
| Other Services | 86 | $28.5M |
| Professional and Technical Services | 79 | $26.8M |
| Manufacturing | 58 | $20.9M |
SBA lending in Atlantic City by year
Geography, precisely
"Atlantic City area" here means the Atlantic City-Hammonton, NJ metropolitan statistical area as delineated by OMB (July 2023), which is exactly these counties: Atlantic County, NJ; Cape May County, NJ. Loans are placed by the SBA's recorded project county, which can differ from a borrower's mailing address. Counts are SBA 7(a) and 504 funded loans, FY2010–2026, as of 2026-03-31. See the methodology.