Valley National Bank
Headquartered in PASSAIC, NJ. Analysis based on 245 SBA 7(a) loans approved between FY2020 and 2025-12-31, totaling $279.2M.
Total 7(a) loans
245
Total approved
$279.2M
Average loan
$1.1M
States funded in
12
Charge-off rate
0.00%
FY2020–FY2023 cohort
Paid-in-full rate
33.81%
Average rate
8.45%
Average term
171 mo
Top 10 industries financed
| NAICS | Industry | Loans |
|---|---|---|
| 722511 | Full-Service Restaurants | 28 |
| 722513 | Limited-Service Restaurants | 16 |
| 812112 | Beauty Salons | 9 |
| 713940 | Fitness and Recreational Sports Centers | 9 |
| 238210 | Electrical Contractors | 8 |
| 722515 | Snack and Nonalcoholic Beverage Bars | 8 |
| 624410 | Child Day Care Services | 7 |
| 713990 | All Other Amusement and Recreation Industries | 7 |
| 541990 | All Other Professional, Scientific, and Technical Services | 5 |
| 621111 | Offices of Physicians (except Mental Health Specialists) | 5 |
Top 10 states
| State | Loans |
|---|---|
| FL | 169 |
| NJ | 31 |
| NY | 23 |
| AL | 8 |
| LA | 4 |
| GA | 3 |
| MA | 2 |
| SC | 1 |
| AZ | 1 |
| CO | 1 |
Top franchise brands financed
57 franchise loans across 44 distinct brands.
| Franchise | Loans |
|---|---|
| Foxtail Coffee Co | 5 |
| SoFresh | 3 |
| Tropical Smoothie Cafe | 3 |
| Sky Zone Indoor Trampoline Par | 2 |
| Woof Gang Bakery and Grooming | 2 |
| Row House | 2 |
| Launch Trampoline Park | 2 |
| European Wax Center | 2 |
| Blackjack Pizza & Salads | 1 |
| Hotworx | 1 |
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Data source & methodology
All figures computed from the SBA Office of Capital Access FOIA dataset (7(a) loans, FY2020–present, as of 2025-12-31). Charge-off and paid-in-full rates are calculated on the FY2020–FY2023 cohort only, so loans have had time to mature. Charge-off rank covers lenders with ≥500 mature loans.