SBA district office
New Jersey District Office
For SBA 7(a) and 504 loan inquiries, this is the district office covering New Jersey businesses.
Visit SBA district pageEquipment Financing · New Jersey
Equipment Financing in New Jersey. Underwritten with local context.
Finance the trucks, machines, refrigeration, diagnostic gear, or production equipment your business runs on. The equipment itself serves as collateral, which unlocks longer terms and lower rates than unsecured working capital. Available to New Jersey businesses that meet ICG's underwriting criteria. Minimum FICO 500+, minimum revenue $15K/mo.
- Max funding
- $1M
- Term
- 2–7 years
- Time to fund
- 24 hours
- Min FICO
- 500+
The short answer
Does ICG offer equipment financing in New Jersey?
Yes. ICG funds equipment financing for New Jersey businesses that meet our standard underwriting criteria. Minimum FICO 500+, minimum revenue $15K/mo, and 6+ months in business.
Last updated 2026-06-24
New Jersey disclosure rules
New Jersey has no state-specific commercial financing disclosure law. ICG discloses APR on every offer regardless.
Federal Truth in Lending Act (TILA) does not apply to commercial loans, and New Jersey has not enacted a state-specific commercial financing disclosure regime as of 2026. ICG voluntarily discloses APR ranges and total repayment on every offer regardless of state mandate. See our transparency policy for the full disclosure framework.
New Jersey lending infrastructure
Where to file, who to contact. What to expect, in plain language.
UCC central filing
New Jersey UCC filings
UCC-1 financing statements for New Jerseybusinesses are filed with the state's central filing office. Most ICG products require a UCC filing. See our UCC filing glossary entry for what to expect.
Open New Jersey UCC officeNew Jersey context
Where New Jersey equipment financing typically lands. Local metros, local verticals.
Top New Jersey metros
- Newark
- Jersey City
- Paterson
- Elizabeth
Top New Jersey industries
- Healthcare
- Professional Services
- Trucking
- Retail
Eligibility
What we look for in New Jersey files. Underwriting, in plain language.
- Minimum 6 months in business
- $15,000+ monthly revenue
- 500+ personal credit score
- Dealer invoice, purchase order, or equipment appraisal
- Active business bank account
Common questions
Equipment Financing in New Jersey. Honest answers, no fine print games.
QDoes ICG offer equipment financing in New Jersey?
Yes. ICG funds equipment financing for New Jersey businesses that meet our standard underwriting criteria. Minimum FICO 500+, minimum revenue $15K/mo, and 6+ months in business.
QWhat disclosure laws apply to commercial financing in New Jersey?
New Jersey has not enacted a commercial financing disclosure law specific to non-bank lenders as of 2026. Federal Truth in Lending Act protections do not extend to commercial loans, but ICG voluntarily discloses APR ranges on every offer.
QHow fast does equipment financing fund for a New Jersey business?
24 hours from signed contract for most New Jersey files. Larger deals or those requiring additional documentation may take longer.
QWhere are UCC filings made for New Jersey businesses?
UCC-1 financing statements for New Jersey businesses are filed with the state's central filing office (see https://www.nj.gov/treasury/revenue/fileucc.shtml). ICG files a UCC where required by the product (most term loans, equipment financing, and revenue-based funding).
Other ICG products available in New Jersey
Browse the rest of the catalog. Same state. Different shapes of capital.
ICG Funding (legal entity Infinite Capital Group) complies with applicable state commercial financing disclosure laws.
Ready when you are
Apply for equipment financing in New Jersey. 24 hours to fund.
Quick application. Soft credit pull only. Real human review.