NEW JERSEY · NAICS NAICS 484, 4885, 4931 families
New Jersey trucking and logistics projects sit on the busiest container gateway on the East Coast and one of the densest freight corridors in the country. Studies translate rate per mile, fuel, lane mix, and contract concentration into projections that lenders can underwrite, and reconcile equipment and driver cost structures.
FEASIBILITY TRIGGER
Trucking and logistics deals are projection-sensitive; rate per mile, fuel, and contract concentration are stress-tested in the model lenders read.
New Jersey generated 1,000 SBA-disbursed trucking and logistics loans between FY2010 and FY2026, worth $269.8 million in approved 7(a) and 504 financing at an average of $270,000 per deal. Ranked #10 of 38 states for trucking and logistics SBA volume, the state captures 3.0% of national trucking and logistics dollars. 97.0% of the loans ran through 7(a) with 504 covering the remainder; 193 approvals have posted since FY2024.
| Disbursed loans (FY2010–FY2026) | 1,000 |
| Approved volume | $269.8 million |
| Average loan size | $270,000 |
| 7(a) share | 97.0% |
| Approvals since FY2024 | 193 |
| State rank by loan count | #10 of 38 |
Among the 586 seasoned loans in this segment (approvals FY2010–FY2021), 22.0% reached adverse resolution — purchased, liquidated, or charged off. The national benchmark for trucking and logistics is 9.2%, against 7.3% across all industries. That performance runs above the national benchmark for this asset class, which is a factor lenders weigh in their credit decision.
Source: SBA 7(a) and 504 FOIA loan-level data, as of March 31, 2026. Disbursed loans only. See data methodology.
A 22.0% adverse-resolution rate against the national trucking and logistics benchmark of 9.2% tells credit committees to scrutinize revenue projections and coverage assumptions closely on New Jersey deals in this class. A rigorous third-party feasibility study — built on documented demand, defensible pricing, and stressed coverage — carries meaningful weight in that underwriting conversation, particularly at an average loan size of $270,000 across 1,000 loans.
Every New Jersey trucking and logistics project we underwrite follows the same lender ready process: independent market analysis, site and technical review, and financial projections tested against SBA SOP 50 10 8 standards. Our SBA feasibility study consultants guide explains scope, timing, deliverables, and what lenders and CDCs expect in the report.
New Jersey projects most often pencil under SBA 504 because the 50/40/10 structure delivers up to 90 percent financing on owner-occupied real estate at a fixed debenture rate, which matters where North Jersey land and improvement costs run with the metro New York market. SBA 7(a) covers acquisitions, working capital, and equipment, and from July 4, 2026 eligible borrowers can combine 7(a) and 504 for up to $10 million in total program credit.
The Newark and Elizabeth port complex, the busiest container gateway on the East Coast, and the Turnpike corridor anchor one of the densest freight economies in the country.
For a national view of this asset class, see our trucking and logistics SBA feasibility overview, and read our related analysis in the trucking and logistics lending research on our blog.
Compare neighboring markets: New Hampshire, New Mexico, Texas.
Public SBA and CDC program records, cited as program evidence
SBA 504 through Regional Business Assistance Corporation
Logistics and distribution operator with 26 employees
New Jersey
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