Provident Bank
Headquartered in JERSEY CITY, NJ. Analysis based on 297 SBA 7(a) loans approved between FY2020 and 2025-12-31, totaling $282.8M.
Total 7(a) loans
297
Total approved
$282.8M
Average loan
$952K
States funded in
8
Charge-off rate
0.00%
FY2020–FY2023 cohort
Paid-in-full rate
28.71%
Average rate
7.61%
Average term
176 mo
Top 10 industries financed
| NAICS | Industry | Loans |
|---|---|---|
| 445310 | Beer, Wine, and Liquor Stores | 47 |
| 624410 | Child Day Care Services | 25 |
| 722513 | Limited-Service Restaurants | 16 |
| 722511 | Full-Service Restaurants | 10 |
| 611699 | All Other Miscellaneous Schools and Instruction | 6 |
| 541110 | Offices of Lawyers | 6 |
| 811192 | Car Washes | 6 |
| 812112 | Beauty Salons | 5 |
| 323111 | Commercial Gravure Printing | 5 |
| 325411 | Medicinal and Botanical Manufacturing | 4 |
Top 10 states
| State | Loans |
|---|---|
| NJ | 204 |
| NY | 68 |
| PA | 17 |
| FL | 2 |
| WI | 2 |
| DE | 2 |
| CT | 1 |
| VA | 1 |
Top franchise brands financed
39 franchise loans across 18 distinct brands.
| Franchise | Loans |
|---|---|
| The Learning Experience | 12 |
| Dunkin' Donuts | 4 |
| Lightbridge Academy | 3 |
| Yoga Six | 3 |
| Code Ninjas | 2 |
| Bubbakoo's Burritos | 2 |
| Moxie Salon and Beauty Bar | 2 |
| PrimoHoagies | 1 |
| IHOP | 1 |
| Molly Maid | 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.