SBA Lending

Your local SBA Preferred Lender.

As a Preferred Lender with the US Small Business Administration (SBA), Two River Community Bank offers experienced and expedited service in underwriting and approving SBA loans for local businesses. All processing is performed by our team of experienced lenders in-house.


Eligible Businesses

Nearly all for-profit businesses are considered eligible “small businesses”:


  • Manufacturers
  • Medical professionals or groups
  • Professional corporations
  • Wholesalers
  • Service providers
  • Pharmaceutical companies


Whether your business is a “traditional” business or one that is on the cutting edge of a new technology or business trend, qualified borrowers can depend on Two River Community Bank to provide them with the financing they need to meet their business goals. Please note the following types of properties and organizations are ineligible for SBA assistance.


Ineligible Borrowers


  • Investment properties
  • Non-profit organizations
  • Religious organizations



SBA Loans for Any Need

SBA 7(a) Program 

This is the most flexible business loan program, since financing under this program can be SBA-guaranteed for a variety of general business purposes:


  • Working capital
  • Machinery and equipment
  • Furniture and fixtures
  • Land and building, including purchase, renovation and new construction
  • Leasehold improvements
  • Debt refinancing (under special conditions)
  • Business purchases


Benefits include:


  • Down payments as low as 10%
  • Available for nearly any business expense
  • Loan amounts from $25,000 to $5,000,000
  • Competitive rates and terms
  • Low monthly payments with up to 25-year amortizations available
  • Quick approvals and fast closings
  • Loan maturity up to 10 years for business purposes
  • Up to 25-year terms for real estate financing


SBA 504 Loan Program

This program provides long-term, fixed rate financing for small businesses to acquire real estate or machinery or equipment for expansion and modernization. It can also be used for debt refinancing (under special conditions).


This loan program is ideal for larger real estate purchases or construction projects.


Benefits include:


  • Down payments as low as 10%
  • Competitive rates and terms
  • Low monthly payments with up to 20-year amortizations available


Term Business Loans

Term loans are an ideal source of funding for purchasing equipment, vehicles and other fixed assets. These loans are available for obtaining permanent working capital for your business. You’ll benefit by enjoying competitive fixed or variable interest rates, loan amounts starting from $25,000 and monthly payments automatically debited for your convenience.



Fast Decisions

You can always depend on your Two River Community Bank SBA Lender to get you a decision on your application as quickly as possible. You can also rest assured that you’ll receive constant updates on the progress of your application.



For more information about SBA Loans through Two River Community Bank, please call 732.982.2080 and ask to speak with an SBA Lender.



All loans are subject to credit approval.