First Commerce Bank
Lakewood, NJ 8701
⭐ SBA Preferred LenderStates Served
Top Industries Financed
- Limited-Service Restaurants
- Full-Service Restaurants
- Baked Goods Stores
- Offices of Certified Public Accountants
- Beer, Wine, and Liquor Stores
Quick Summary
First Commerce Bank is an SBA-approved lender headquartered in Lakewood, New Jersey. They are an SBA Preferred Lender, meaning they can approve loans without prior SBA review. Since 2020, they have approved 50 SBA 7(a) loans totaling $42.2M, with an average loan size of $845K. They serve businesses across 3 states.
About First Commerce Bank
First Commerce Bank is an SBA-approved lender headquartered in Lakewood, New Jersey. Since 2020, they have approved 50 SBA 7(a) loans totaling $42.2M, with an average loan size of $845K. As an SBA Preferred Lender, they have delegated authority to approve SBA loans without prior SBA review, resulting in faster processing times. They serve businesses across 3 states.
Before you apply — know where you stand
Nav is the only place where you can track your FICO SBSS score — the score the SBA uses to determine loan eligibility.
Helpful SBA Borrower Guides
Frequently Asked Questions
Is First Commerce Bank an SBA Preferred Lender?
Yes, First Commerce Bank is an SBA Preferred Lender (PLP). This means they have delegated authority from the SBA to approve loans without prior SBA review, resulting in faster approvals — typically 7–10 business days instead of 4–6 weeks.
How many SBA loans has First Commerce Bank approved?
According to SBA FOIA public records, First Commerce Bank has approved 50 SBA 7(a) loans totaling $42.2M since 2020. Their average loan size is $845K.
What states does First Commerce Bank serve?
First Commerce Bank serves businesses in 3 states: New Jersey, New York, Pennsylvania.
How do I apply for an SBA loan with First Commerce Bank?
To apply for an SBA 7(a) loan with First Commerce Bank, contact them directly through the form on this page. Before applying, check your FICO SBSS score (the SBA's pre-screening score) and have your financial statements, business plan, and tax returns ready. Most SBA lenders require 2+ years in business, $100K+ annual revenue, and a personal credit score of 640+.
Get in Touch with This Lender
Contact First Commerce Bank
Ready to Apply for an SBA Loan?
Check if you qualify in minutes — no impact to your credit score.
SBA 7(a) loans up to $5M · Rates from 10.5% · As fast as 7 days