STRONG
How competitive are their spreads? Lower = better for you.
GOOD
Total SBA loans closed. More deals = more experience.
GOOD
How many industries do they lend in? More = flexible.
WEAK
States where they've done deals. Wider = easier if you're out of state.
Total SBA Loans
166
2010–2025
Total Volume
$76M
Gross loan amounts
States Active
4
With recorded loans
Programs
7(a) & 504
166 total segments
First Commerce Bank has a strong focus on existing businesses, with 78% of their deals serving this purpose. This is beneficial for borrowers looking to expand or refinance established operations.
With an average 7(a) spread of P+1.96%, First Commerce Bank offers competitive pricing compared to the national median of P+2.75%. This could result in significant savings over the life of the loan.
The lender's growth trend shows a decline of 10% year-over-year, which may indicate tightening lending standards. Borrowers should be prepared for potentially stricter approval processes.
Quarterly SBA lending activity, last 5 years.
Estimated spreads based on real historical SBA lending data. Directional, not exact quotes. Excludes 11 504 loans, which use fixed SBA debenture rates.
States where First Commerce Bank has recorded SBA lending activity.
Lending activity by industry cluster.
Top 8 of 15 industries by deal count
Restaurants & Food Service
Accommodation & Food Services
Wholesale Trade
Wholesale Trade
Manufacturing
Manufacturing
Retail Trade
Retail Trade
Specialty Trade Contractors
Construction
Food & Beverage Stores
Retail Trade
Other Health Practitioners
Health Care & Social Assistance
Miscellaneous Retail
Retail Trade
+ 7 more
All recorded SBA lending activity for First Commerce Bank, grouped by state, industry, and deal size.
| Segment | Program | Deals↓ | Median Spread | Avg Size | Last Deal |
|---|---|---|---|---|---|
| New Jersey · Wholesale Trade · Under $150K | 7(a) | 10 | P+2.38% | $74K | Q3 2020 |
| New Jersey · Wholesale Trade · $150K – $350K | 7(a) | 7 | P+2.25% | $240K | Q1 2022 |
| New Jersey · Specialty Trade Contractors · $150K – $350K | 7(a) | 7 | P+2.25% | $253K | Q1 2023 |
| New Jersey · Food & Beverage Stores · $150K – $350K | 7(a) | 6 | P+1.50% | $270K | Q1 2021 |
| New Jersey · Accounting & Tax · Under $150K | 7(a) | 5 | P+2.25% | $127K | Q2 2021 |
| New Jersey · Other Health Practitioners · Under $150K | 7(a) | 4 | P+2.63% | $144K | Q1 2017 |
| New Jersey · Other Health Practitioners · $150K – $350K | 7(a) | 4 | P+2.75% | $266K | Q1 2016 |
| New Jersey · Miscellaneous Retail · $150K – $350K | 7(a) | 4 | P+1.63% | $288K | Q3 2019 |
| New Jersey · Manufacturing · $150K – $350K | 7(a) | 4 | P+1.75% | $302K | Q2 2023 |
| New Jersey · Restaurants & Food Service · Under $150K | 7(a) | 4 | P+2.38% | $88K | Q2 2021 |
| New Jersey · Specialty Trade Contractors · Under $150K | 7(a) | 4 | P+2.50% | $111K | Q1 2017 |
| New Jersey · Retail Trade · Under $150K | 7(a) | 4 | P+2.00% | $88K | Q1 2020 |
| New Jersey · General Merchandise · Under $150K | 7(a) | 3 | P+2.25% | $117K | Q1 2019 |
| New Jersey · Restaurants & Food Service · $150K – $350K | 7(a) | 3 | P+2.75% | $275K | Q2 2017 |
| New Jersey · Education · Under $150K | 7(a) | 3 | P+1.50% | $100K | Q1 2019 |
| New Jersey · Restaurants & Food Service · $1M – $2M | 7(a) | 3 | P+0.38% | $1.3M | Q4 2023 |
| New Jersey · Other Repair & Services · Under $150K | 7(a) | 3 | P+2.25% | $53K | Q3 2019 |
| New Jersey · Manufacturing · Under $150K | 7(a) | 3 | P+2.25% | $92K | Q3 2018 |
| New Jersey · Retail Trade · $150K – $350K | 7(a) | 3 | P+2.75% | $283K | Q3 2016 |
| New Jersey · Other Repair & Services · $150K – $350K | 7(a) | 2 | P+2.38% | $265K | Q1 2016 |
| New Jersey · Miscellaneous Retail · Under $150K | 7(a) | 2 | P+1.75% | $125K | Q2 2022 |
| New Jersey · Management & IT Consulting · $150K – $350K | 7(a) | 2 | P+1.88% | $250K | Q3 2020 |
| New Jersey · Retail Trade · $500K – $1M | 7(a) | 2 | P+2.13% | $726K | Q1 2020 |
| New Jersey · Administrative & Waste Services · $150K – $350K | 7(a) | 2 | P+2.50% | $325K | Q4 2013 |
| New Jersey · Real Estate · $500K – $1M | 7(a) | 2 | P+2.13% | $675K | Q1 2020 |
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