Kearny Bank

This is a financial institution offering SBA loan programs to support small business growth, including tailored financing options and expert guidance throughout the application process.

It is recommended to schedule an appointment to ensure dedicated service, but walk-ins may be accommodated depending on availability.

Kearny Bank operates Monday through Friday from 9:00 AM to 5:00 PM, and Saturdays from 9:00 AM to 12:00 PM. Please confirm with the bank as hours may vary.

There are no fees for simply visiting or consulting; however, loan applications and processing may involve standard fees associated with SBA financing.

This bank primarily serves small business owners in the community, but eligibility for loans depends on meeting specific financial criteria.

A minimum personal credit score of around 640 is generally preferred, though higher scores improve approval chances.

The process typically takes between 30 to 60 days, depending on the complexity of the loan and completeness of documentation.

Yes, Kearny Bank is open on Saturdays from 9:00 AM to 12:00 PM and closed on Sundays. Confirm with the bank for SBA lending staff availability on weekend hours.

Kearny Bank is located in New Jersey — see the contact card for the full address. Most bank locations offer free on-site or nearby street parking for visitors. For exact directions, the entrance, and accessible parking, use the listed address or call ahead and staff can point you to visitor spaces.

This page is an independent directory listing for Kearny Bank, an SBA-participating bank. It is maintained by SBA Lenders USA to help borrowers compare lenders — not by Kearny Bank itself, which runs its own lending under its own ownership. If you work at Kearny Bank, you can claim this listing from this page to manage it.

The core details for Kearny Bank — name, location, contact, and lender type — are compiled from public records and reviewed periodically. Rates, programs, credit policies, and hours change often and are not guaranteed here, so always confirm the latest terms directly with Kearny Bank before applying. If you represent Kearny Bank, claim this listing to keep its information up to date.

You can reach Kearny Bank by phone at (201) 991-4100 or online at kearnybank.com — the details are in the contact card on this page. For SBA loans specifically, ask for their business lending or SBA department. Treat this directory page as a starting point and confirm hours and contact details with Kearny Bank before relying on them.

Based on its approved SBA loans, Kearny Bank most often finances businesses in restaurants & food service, general retail, construction & contractors, automotive repair & services, childcare & early education, and food manufacturing & processing. This reflects Kearny Bank's real SBA 7(a) and 504 lending history rather than a stated policy — it can still consider other industries and sets its own current preferences, so confirm with Kearny Bank which sectors it actively lends to before you apply.

SBA Express offers lines of credit and term loans up to $500,000 with a faster turnaround than standard 7(a) loans. Whether Kearny Bank participates in SBA Express depends on its specific SBA lending authority. Contact Kearny Bank and ask if it offers SBA Express and what the current limits and terms look like for your situation.

SBA Preferred Lender Program (PLP) status lets a lender approve loans in-house without sending each one to the SBA first, which usually means faster decisions. Many established banks hold PLP status, but it varies by institution. Kearny Bank can confirm its current PLP standing — ask before you apply if speed matters to you.

The SBA does fund start-ups, but many traditional lenders prefer at least two years of operating history and may ask newer ventures for a larger equity injection or stronger collateral. Kearny Bank's appetite for start-ups is set by its own credit policy. If you are early-stage or pre-revenue, ask Kearny Bank directly whether it considers start-up loans.

For SBA 7(a) and 504 commercial real estate loans, borrowers typically contribute around 10% to 20% as a down payment or equity injection, depending on the property and the deal. Exact requirements vary with your credit, the business, and the lender's policy. Ask Kearny Bank what down payment it expects for your specific commercial real estate purchase.

SBA 7(a) loans with terms under 15 years generally carry no prepayment penalty, while longer real estate loans can have one in the early years. Short-term working capital lines often have no penalty, but terms vary by lender. Review your loan agreement and ask Kearny Bank to spell out any prepayment penalties before you sign.

SBA loans can be used for a partner or owner buyout, including buying out an existing equity partner, when the deal is structured to meet SBA rules — for example, the remaining owner generally must stay actively involved. Approval depends on the specifics, so discuss your buyout plan with Kearny Bank to confirm it qualifies and how to document it.

A past personal bankruptcy does not automatically disqualify you from an SBA loan. Lenders look at how long ago it was discharged, the circumstances, and how your credit has recovered since. Kearny Bank weighs this case by case under its own policy, so be upfront about your history and ask Kearny Bank how it evaluates prior bankruptcies.