First Commerce Bank

This is a financial institution offering SBA loan programs tailored for small and medium-sized businesses. You can find information about loan options, application processes, and eligibility criteria to help you secure funding for your business needs.

Ask First Commerce Bank directly — some branches take walk-ins, others book SBA conversations by appointment.

Hours vary by branch and change. Check First Commerce Bank's website or call before you visit.

Browsing this directory is free. Any loan fees are set by First Commerce Bank and the SBA program — ask the lender for its current schedule.

This bank primarily serves small business owners and entrepreneurs, with a focus on clients in New Jersey and surrounding regions. Eligibility is based on business criteria and creditworthiness, not residency alone.

Many SBA lenders look for a personal score around 640 or higher, but each bank sets its own bar and it changes. Ask First Commerce Bank what it looks for today.

The underwriting process generally takes between 30 to 45 days, depending on the completeness of your application and the complexity of your financial situation.

Most bank SBA teams work weekdays; confirm with First Commerce Bank before planning a weekend visit.

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

The core details for First Commerce 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 First Commerce Bank before applying. If you represent First Commerce Bank, claim this listing to keep its information up to date.

You can reach First Commerce Bank by phone at (732) 364-0032 or online at www.firstcommercebk.com — the same details are in the contact card on this page.

Based on its approved SBA loans, First Commerce Bank most often finances businesses in general retail, restaurants & food service, wholesale & distribution, construction & contractors, medical practices & clinics, and manufacturing. This reflects First Commerce 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 First Commerce 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 First Commerce Bank participates in SBA Express depends on its specific SBA lending authority. Contact First Commerce Bank and ask if it offers SBA Express and what the current limits and terms look like for your situation.

Whether First Commerce Bank has SBA Preferred Lender (PLP) status is set by the SBA. Ask the bank directly; PLP lenders can approve in-house and often move faster.

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. First Commerce Bank's appetite for start-ups is set by its own credit policy. If you are early-stage or pre-revenue, ask First Commerce 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 First Commerce 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 First Commerce 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 First Commerce 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. First Commerce Bank weighs this case by case under its own policy, so be upfront about your history and ask First Commerce Bank how it evaluates prior bankruptcies.