Readycap Lending, LLC SBA 7(a) & 504 lending
Readycap Lending, LLC approved 4,304 SBA-guaranteed business loans worth $1,495,549,000 across FY2025 and FY2026 — the 7th-largest approval count among the 50 lenders the SBA lender cross-section tracks and headquartered in NJ. 4,304 of those loans (100.0%) were 7(a) loans and 0 (0.0%) were 504 loans.
Approvals by fiscal year
| Fiscal year | Approvals | Amount approved |
|---|---|---|
| FY2025 (Oct 2024 – Sep 2025) | 3,137 | $1,170,400,300 |
| FY2026 (Oct 2025 – Jun 2026) (partial) | 1,167 | $325,148,700 |
| FY2025–26 total | 4,304 | $1,495,549,000 |
Amounts are the gross approvals recorded by the SBA. FY2026 runs through 2026-06-30, so it covers nine months of the October 2025 – September 2026 fiscal year and is still filling in; against FY2025’s 3,137 approvals, Readycap Lending, LLC is pacing behind its prior-year volume on a year-to-date basis.
7(a) vs 504 program split
| Program | Approvals | Amount | Share of Readycap Lending, LLC |
|---|---|---|---|
| 7(a) — general small-business loans | 4,304 | $1,495,549,000 | 100.0% |
| 504 — commercial real estate & equipment | 0 | $0 | 0.0% |
7(a) is the SBA’s general-purpose guaranteed loan program; 504 loans finance commercial real estate and equipment through a Certified Development Company. In the 504 file the lender keyed here is the third-party lender on the deal.
Industries Readycap Lending, LLC finances most
| Borrower industry (NAICS) | Approvals |
|---|---|
| Full-Service Restaurants | 143 |
| Beauty Salons | 104 |
| All Other Personal Services | 104 |
The industry descriptions are the NAICS categories the SBA records for each borrower, aggregated over the same FY2025–FY2026 approvals; they are shown as the SBA publishes them.
Source
Every figure on this page was aggregated on 2026-09-17 from the SBA’s public FOIA loan detail files on data.sba.gov — the 7(a) FY2020–Present and 504 FY2010–Present files (7(a) CSV, 504 CSV), all covering approvals dated through 2026-06-30. The lender name is reproduced verbatim from the files, where this lender appears as “Readycap Lending, LLC”; only program-level aggregates are shown, no borrower names or personal details.